Available regions
Applications or normal card activation are supported
U.S. Virgin IslandsVIPuerto RicoPRNorthern Mariana IslandsMPAmerican SamoaASGuamGUUnited StatesUS
- Evidence
- Officially supported
Card database / Visa / Crypto cashback credit card
V
Venmo Credit Card
Updated: Aug 2, 2026
Venmo Credit Card is a US Visa credit card issued by Venmo in partnership with Synchrony Bank, with applications and account management integrated into the Venmo app. Cardholders can use a physical card, virtual card or mobile wallet for online and offline purchases, earning automatic cash back of 3%, 2% and 1% by spending category during each billing cycle. Once rewards are transferred to the Venmo balance, they can also be configured to purchase supported cryptocurrencies automatically.
Official and company information
Issuer identity and company credentials
Venmo is a US mobile payment service provided by PayPal, Inc., responsible for the Venmo account, app interface, rewards crediting, and credit card-related account functions. The actual credit card is issued by Synchrony Bank, which handles credit approval, credit limits, billing, interest, payments, disputes, and cash advances. Visa provides the card network and associated card-level benefits. Cryptocurrency services are provided by PayPal Digital, Inc. under the name Venmo Digital, with related crypto asset custody and trading infrastructure provided by Paxos Trust Company, LLC. Synchrony Bank is not responsible for the cryptocurrency program.
- Company / issuer
- Venmo Credit
- Legal name
- PayPal, Inc. / Venmo
- Registered region
- United States (US)
- Headquarters
- New York City, New York, United States
- Company type
- Fintech
- Verification status
- Verified
- Issuer website
- Official link
- Application page
- Application link
Card overview
Venmo Credit Card is a traditional credit-limit product and does not use the Venmo balance or crypto assets to fund purchases. Applicants must have a Venmo account that has been open and in good standing for at least 30 days and must undergo a credit assessment by Synchrony Bank. Once an application is approved, the virtual card appears immediately in the app and the physical card is delivered later. The front of the physical card carries the holder's personal Venmo QR code, which can open the cardholder's Venmo profile.
Purchase rewards are automatically categorised based on actual spending in each billing cycle: the highest-spend category earns 3% cashback, the second-highest earns 2%, and all other eligible purchases and Venmo person-to-person payments earn 1%, with no standard monthly reward cap. Cashback is generally credited to the Venmo balance one to three days after the statement closes and can be used for repayments, transfers, spending, or automatic crypto purchases. Standard Visa and Visa Signature share the core fee and reward rules, while Visa Signature adds travel, hotel, concierge, car-rental, and other benefits.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
Drag or swipe anywhere in the table to view every card; labels stay fixed
V Venmo Visa Standard Credit Card | V Venmo Visa Signature credit card | |
|---|---|---|
| Card form | Virtual + physical card | Virtual + physical card |
| Fees | ||
| Monthly fee | Free | Free |
| Card issuance fee | Free | Free |
| ATM fee | 10 USD + 5% 5% of withdrawal amount, whichever is higher; charged as cash advance | 10 USD + 5% 5% of withdrawal amount, whichever is higher; charged as cash advance |
| Foreign exchange fee | Free | Free |
| Top-up fee | — | — |
| Failed transaction fee | — | — |
| Rewards | ||
| Cashback | 1% By monthly spending category, cashback 3%, 2%, 1% | 1% By monthly spending category, cashback rate 3%, 2%, 1% |
| Crypto cashback | 1% Cashback 3%, 2%, 1% can auto-buy crypto, no auto-buy fee | 1% Cashback rate 3%, 2%, 1%, can auto-buy crypto, no auto-buy fee |
| Staking rewards | — | — |
| Staking APR | — | — |
| Welcome bonus | — | — |
| Referral bonus | — | — |
| Limits | ||
| Daily spending limit | — | — |
| Monthly spending limit | — | — |
| ATM withdrawal limit | 0 Up to personal advance limit | 0 Up to personal advance limit |
| Card network |
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
Unsupported or restricted regions
Applications or features are unavailable or restricted
Global ex-US
- Evidence
- Officially restricted
Unconfirmed regions
Evidence is insufficient
No records
- Evidence
- Public sources
China applicability
The source text is retained below.
Original
1、中国大陆：不能以大陆身份和地址申请；已在美国获批并持卡的用户，可在支持境外 Visa 的商户使用，也可按境外卡规则绑定微信支付和支付宝。
2、香港：本地居民不能直接申请；已持有美国发行卡的用户可在香港 Visa 商户使用，并可绑定支持美国 Visa 卡的移动钱包和线上支付服务。
3、澳门：本地居民不能直接申请；美国获批持卡人可在澳门接受 Visa 的线上及线下商户消费，交易以美元记账且不收境外交易费。
4、台湾：本地居民不能直接申请；已在美国获批的持卡人可在台湾 Visa 商户和线上平台使用，具体交易仍受商户及安全验证规则限制。
Updated: Aug 2, 2026
KYC requirements
Current identity-verification requirements and restrictions
KYC required
YesRequiredKYC level
Full KYCRequirement confirmedProof of address
YesRequiredAccepted documents
US passport / US driver's license / US government-issued ID / US Department of Homeland Security document / Tribal ID card / Social Security number card / Individual Taxpayer Identification Number (ITIN) assignment letter
Review time / regional limits
Automated credit approval can be completed quickly; identity documents entering manual review can take up to three business days.
KYC provider
Not disclosed
Updated
Aug 2, 2026
Payment compatibility
Support status and update date by payment scenario · Actual availability may vary by region, merchant, and issuer policy
Compatibility overview12 scenarios
Supported12
Not supported0
UpdatedAug 2, 2026
Wallet payments
Alipay
Supported
Aug 2, 2026
Wallet payments
Apple Pay
Supported
Aug 2, 2026
Cash services
ATM withdrawal
Supported
Aug 2, 2026
AI tools
ChatGPT
Supported
Aug 2, 2026
AI tools
Claude
Supported
Aug 2, 2026
Wallet payments
Google Pay
Supported
Aug 2, 2026
AI tools
Midjourney
Supported
Aug 2, 2026
In-person payments
Offline POS
Supported
Aug 2, 2026
Online shopping
Online shopping
Supported
Aug 2, 2026
Wallet payments
PayPal
Supported
Aug 2, 2026
Subscriptions
Subscription payment
Supported
Aug 2, 2026
Wallet payments
WeChat Pay
Supported
Aug 2, 2026
User reviews
Showing 8 approved reviews matched to this card
Venmo Google Play review - 1 star
horrible app, I have problems with it more often than not
View original Awesome
It’s really clean and efficient
View original Gay
Stupid
View original Denied bank account
Denied bank account when money available
View original Horrible app
Terrible app big headache to use it and I haven’t been able to use it yet because they say they can’t verify my identity
View original Spam messages
Just sent me marketing spam even though my settings should prevent.
View original great
just great overall
View original Venmo
Venmo blows big donkey dick
View original Risk factors
Updated: Aug 2, 2026
No risk factors are available