Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
15.24% - 24.24%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
N/A
Credit Score Range
600 - 850
Annual Fee
$0
Venmo Credit Card Review
This is a cashback credit card issued by Venmo. If you're wondering whether Venmo Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Venmo Credit Card has a variable regular purchase APR that ranges from 15.24% up to 24.24%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Multiple credit card benefits. Includes generous credit card perks, such as access to a concierge, emergency support, identity theft protection, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Venmo Credit Card
| The Good | The Bad |
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Venmo Credit Card FAQ
Does Venmo Credit Card have a cash back or rewards program?
No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description |
- Emergency Support
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Venmo Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Venmo Credit Card has a variable purchase APR that ranges from 15.24% up to 24.24%. Venmo Credit Card does not offer balance transfers. It also has a variable cash advance APR of 24.24% .
Does Venmo Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Venmo Credit Card does not offer balance transfers.Does Venmo Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Venmo Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Venmo Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Venmo Credit Card?
The support contact email for Venmo Credit Card is support@venmo.com.
How do people rate the customer service and user experience of Venmo Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Venmo Credit Card report your account activity to credit bureaus?
Yes, Venmo Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Venmo perform a hard credit pull?
Yes, Venmo Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Venmo Credit Card
- Visit the website of Venmo Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-33
-1000+100
No one recommends
Everyone recommends
Venmo Credit Card Community Reviews
Would you recommend Venmo Credit Card to your friends?
ZC
Z C.
Sep 1, 2024
May or may not recommend
I was a good customer, on time for three years. This year ADHD slipped me up and I was late twice. They don't report it, but they have a clause that says they can raise your APR for this. Mine went up to 35.99%!!!!! I paid off the card and will keep it open for the history, but never use it again. They also started me at 29.99% and never ...Show More
DL
Dakota L.
Feb 20, 2022
May or may not recommend
The card really is in the power of the beholder! Earn cash back OR crypto rewards. Also, have access to classic Venmo features for efficient peer—to-peer transactions. I think my use of the Venmo credit cards has been eye opening for my personal finances. Credit card usage is easily tracked on the social feed — private or un-private. Have access to fair rated credit and allocate some percentage use the ...Show More
JT
James T.
Aug 27, 2021
May or may not recommend
The card is issued by Synchrony Bank. The card has great features and works well with the Venmo app, but again, it’s issued by Synchrony Bank. Synchrony is known for extraordinarily poor customer service, surprise account closings without reason or notice and mishandling of payments. If the card were issued and managed by a reputable bank, this would be a winner. With Synchrony attached to it, borrower beware.
Showing 3 of 3 reviews
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