What does the Venmo Credit Card earn?

The Venmo Credit Card earns 3x on your top eligible category, plus 1x on everything else.

Is the Venmo Credit Card worth the annual fee?

The Venmo Credit Card has no annual fee, so there's no cost to keep it.

What credit score do I need for the Venmo Credit Card?

You typically need a 670+ credit score to qualify for the Venmo Credit Card.

Offer verified September 14, 2026Source: PayPal / Synchrony official terms

PayPal / Synchrony · Visa

Venmo Credit Card

Name: Venmo Credit Card
Brand: PayPal / Synchrony

Annual Fee

Sign-Up Bonus

N/A

Base Rate

on everything

Best For

Venmo Users / Simplicity

Reward Categories

Dining

Auto-selected from your top eligible spending category

Grocery

Auto-selected from your second eligible spending category

Everything else1x

Key Benefits

Perks (not counted in our math)

Venmo QR code on card

Crypto cash back option

Virtual card number

Pros & Cons

Pros

+ Auto-detects your top 2 spend categories
+ No annual fee
+ Manage entirely in Venmo app
+ Cash back into Venmo balance instantly

Cons

- No sign-up bonus
- Only useful if you use Venmo
- Synchrony Bank — not a premium card experience

Rates and fees may vary.See current rates, fees, and terms on PayPal / Synchrony's site

Apply on issuer site — Venmo Credit Card

Recommended credit score: 670+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

Is the Venmo Credit Card right for you?

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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.