Venmo Credit Card Review 2026
Venmo Credit Card is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
See offerYou'll leave SwitchWize. Verify terms with the issuer.
SwitchWize is not paid if you apply through this link. We have no paid agreement with Venmo for this card, and payment would not change how we rank cards. How we make money
Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
Cash-back optimizer
Bonus value
See terms
Rewards
1% cash back
Annual fee
$0
APR
See terms
Quick summary
What this card is, in plain words
Venmo Credit Card has no annual fee. It charges no foreign transaction fee.
Pros & cons
- No annual fee
We could not verify: regular APR.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- None
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
See issuer terms
Verify spend requirement
Venmo terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
Other cards to compare first
citi
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
wells-fargo
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
chase
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
affinity-fcu
Compare the annual fee, rewards rules, welcome-offer requirements, and APR—not just the card name.
Questions
Common questions
What is the annual fee for the Venmo Credit Card?
The Venmo Credit Card has no annual fee, according to Venmo's page checked Nov 14, 2026.
Does the Venmo Credit Card charge foreign transaction fees?
No. Venmo lists no foreign transaction fee for the Venmo Credit Card.
Sources
Where these figures come from
Fees and APR
https://venmo.com/about/creditcard · checked Nov 14, 2026
We could not verify the balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Venmo Credit Card worth it?
Venmo Credit Card is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term