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: Sep 16, 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.
- Card network
- Product type
- Crypto cashback credit card
- Card form
- Virtual + physical card
- Operating status
- Active
- KYC level
- Full KYC
- Commercial relationship
- No commercial relationship
- Risk score
- 80-89
- Supported assets
USDT
USDC
BTC
ETH
SOL
LINK
LTC
BCH- Last updated
- Sep 16, 2026
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.
Usage scale & trends
Usage data is not available for this card yet. It will appear here when 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® 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 language support
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
Availability in English-Speaking Markets
1. United States：Can apply，Can use，Applicants must reside in the U.S. or its territories, have an eligible Venmo account open for at least 30 days, and provide the required U.S. identity and residential information.
2. United Kingdom：Cannot apply，Can use，UK residents cannot apply because issuance is limited to U.S. residents and territories, but an eligible Venmo Credit Card can be used for purchases in the United Kingdom.
3. Canada：Cannot apply，Can use，Canadian residents are outside the U.S.-only issuance program, but a card issued to an eligible U.S. resident can be used for purchases in Canada.
4. Australia：Cannot apply，Can use，Australian residents cannot apply because the card requires U.S. residence, while an eligible Venmo Credit Card can still be used in Australia.
5. South Africa：Cannot apply，Can use，South African residents are outside the card’s U.S.-only issuance eligibility, but an eligible card issued in the United States can be used locally.
6. New Zealand：Cannot apply，Can use，New Zealand residents cannot obtain the card because issuance requires U.S. residence, while an eligible card issued to a U.S. resident can be used in New Zealand.
7. Ireland：Cannot apply，Can use，Irish residents are outside the U.S.-only issuance program, but a Venmo Credit Card issued to an eligible U.S. resident can be used in Ireland.
Updated: Sep 16, 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
Review
Read the editorial review, its verdict and latest update.
No review yet
No review has been published for this card. Published reviews appear here.
User reviews
Showing 10 approved reviews matched to this card
Venmo Google Play review - 5 star
wonderful app , I had a few issues in the beginning but only because I didn't know anything about these type of apps but it is simply the best one to use in my opinion 5 stars
View original Venmo Google Play review - 4 star
so far so good 👍
View original Venmo Google Play review - 5 star
👌
View original Venmo Google Play review - 5 star
fair enough
View original Venmo Google Play review - 2 star
be careful were you use your card. trying to report a scam or getting your money back is a big ai runaround.
View original Venmo Google Play review - 4 star
all good.
View original Venmo Google Play review - 5 star
Fast and easy to set up and use
View original Venmo Google Play review - 5 star
❤️💙🩷🩵
View original Venmo Google Play review - 1 star
this app doesn't work at all , six hundred down the toilet , I can't do anything at I can't even call and talk to someone, now I have to hire a lawyer and take legal action
View original Venmo Google Play review - 5 star
amazing service
View original Risk factors
Updated: Aug 2, 2026
No risk factors are available
Frequently asked questions
Answers drawn from the published record on this page.
Does Venmo Credit Card require KYC?
Our record lists the Venmo Credit Card verification requirement as: Full KYC. Document and review details are in the KYC section of this page.
Does Venmo Credit Card support Apple Pay and Google Pay?
Apple Pay: Supported. Google Pay: Supported.
Which assets can I top up Venmo Credit Card with?
Our record lists Venmo Credit Card support for: USDT, USDC, BTC, ETH, SOL, LINK, LTC, and BCH.
Is Venmo Credit Card a virtual or a physical card?
Venmo Credit Card is offered as: Virtual + physical card.
Where is Venmo Credit Card available?
Our record lists 6 countries or regions as available and 1 as restricted. Country-by-country status is in the regions section of this page.
Who issues Venmo Credit Card?
Venmo Credit Card is operated by Venmo Credit on the Visa network.