Available Now - Get the Most out of Venmo with the Venmo Credit Card

Today, we’re excited to announce that the Venmo Credit Card is available for all eligible Venmo customers to apply, straight from the Venmo app!

Venmo’s first-ever credit card, issued by Synchrony and powered by the Visa network, officially launched last October to select customers, and now we’re excited to expand availability to allow more of Venmo’s community of customers to apply for the no annual fee card.* With the Venmo Credit Card, you’ll be able to unlock a new and exciting way to access the simplicity, convenience and fun of Venmo in your everyday life. The Venmo Credit Card can be used everywhere Visa® credit cards are accepted, giving you almost endless ways to use your card to make purchases at millions of retailers worldwide in-store and online.

Why the Venmo Credit Card is a Must-Have

A Card Made Just for You 

The Venmo Credit Card comes equipped with your personal Venmo QR code printed on the front, making your card uniquely yours. The QR code can be scanned with your mobile device to seamlessly activate your card once it arrives, or scanned by friends in the Venmo app so they can send you a payment or split a purchase with ease. Plus, the card comes in five colorful, vibrant designs, allowing you to choose the card that fits your style.

Manage it All, from the App You Know and Love 

You already use Venmo to conveniently spend, share and manage your money – whether you’re splitting a payment with your friends for a shared experience, having your paychecks sent to your account with Direct Deposit on Venmo, or using Venmo to checkout online or in-store.

Now, you can add the Venmo Credit Card to the list of ways you can help manage your finances in the Venmo app. Track your card activity in real-time organized by category, split and share payments, view cash back** earned, schedule payments and more, all from the app. You can even view your 30-, 60- and 90-day spending trends with visuals that help you to see where you’re spending the most, so you can adjust your spending habits when needed and budget for the future.

Rewards as Easy as 1-2-3

We know that cash back is a major priority when selecting a credit card, so we’ve created an intelligent, personalized rewards system that automatically adjusts to your spending. You’ll earn up to 3% cash back** on your eligible top spend category, 2% back on the second highest, and 1% back on all other purchases.** Your top two spend categories adjust each statement period based on where you spend the most, so you’re always getting the most out of your cash back rewards – no opt-ins or activations needed.

Plus, cash back is automatically added to your balance with Venmo, giving you the freedom to choose how to use the funds earned - make statement payments, send money to your friends with the Venmo app, make purchases at online, mobile and in-store retailers that accept Venmo at checkout, or transfer those funds to your linked bank account or debit card. 

How to Apply

Eligible customers can apply for the Venmo Credit Card in just a few simple steps! From the Venmo app, tap the ‘☰’ icon, select ‘Venmo Credit Card’ from the drop-down menu or through Settings, and enter your information to complete your application. If approved, you’ll also have access to a virtual card, so you can start shopping right away, without having to wait for your physical card to arrive.

Download the latest version of the Venmo app on iOS or Android to apply today and get the most out of Venmo!

For more information, visit

*See Terms and Rates for New Accounts.

**Use of cash back is subject to the terms of the Venmo account. See the Venmo Credit Card Rewards Program Terms for details. 

The Venmo Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc. Visa is a registered trademark of Visa International Service Association and used under license.

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