What is a Venmo Credit Card?
A Venmo Credit Card is a Visa branded credit card integrated into the Venmo experience. With a Venmo Credit Card, you can manage your credit card account, split payments, and earn rewards right from the Venmo app.
(Cardholders approved before 9/24/2026) Learn more about Venmo Credit Card terms and rates.
(Cardholders approved after 9/24/2026) Learn more about Venmo Credit Card terms and rates.
- Monthly rewards: See Venmo Credit Card Monthly Rewards Program Terms.
- Daily rewards: See Venmo Credit Card Daily Rewards Program Terms.
Use of cash back is subject to the terms of the Venmo User Agreement.
How do I apply for the Venmo Credit Card?
If you are eligible to apply for a Venmo Credit Card, you will see a Venmo Credit Card section in the Cards tab of the Venmo app or when you log in at venmo.com.
What's the difference between a Venmo Credit Card and a Venmo Debit Card?
The Venmo Mastercard® Debit Card is a debit card connected to your Venmo balance. There is no line of credit offered with the Venmo Debit Card.
A Venmo Credit Card is a Visa® credit card issued by Synchrony Bank.
Venmo Credit Cards and Venmo Debit Cards also have unique rewards programs specific to each card.
What are the benefits and rewards for the Venmo Credit Card?
Split Purchases
Easily split purchases with your friends on Venmo.
Pay Your Bill with Your Venmo Balance
Use the money in your Venmo account to pay your Venmo Credit Card bill.
Card Features
- Tap the card to pay wherever contactless payments are accepted.
- Virtual card number available instantly upon credit approval.
- No annual fee.
Rewards
Your Venmo Credit Card rewards experience depends on when you were approved for a Venmo Credit Card. See our article on rewards for more details.
How do I manage my Venmo Credit Card notifications?
To adjust your Venmo Credit Card notification settings:
- Go to the Cards tab
- Select your Venmo Credit Card
- Tap Venmo Credit Card notifications
There, you can customize your push notifications and some email notifications for your Venmo Credit Card.
Where can I use my Venmo Credit Card?
You can use your Venmo Credit Card everywhere Visa credit cards are accepted worldwide, including in the Venmo app.
What’s the difference between my physical card number and my virtual card number?
Your physical card is best for in-person purchases, but it can be used for online purchases and even Venmo payments too.
Your virtual card is convenient for online purchases, enabling you to copy and paste your card number from Venmo to wherever you’re shopping. Virtual card numbers can also be easily updated for your security.
Can I add my Venmo Credit Card to another virtual wallet?
Yes! You can add your Venmo Credit Card to virtual wallets like Samsung Pay, Apple Pay, and Google Pay™. If you have any questions about adding your card, please reach out to the specific virtual wallet provider.
I have more questions about the Venmo Credit Card. Who can I contact?
For additional inquiries about Venmo Credit Cards, please call Synchrony Bank at 855-878-6462. Agents are available 24 hours a day.
Venmo Credit Cards are 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.
The Venmo Mastercard® is issued by The Bancorp Bank, N.A., pursuant to a license by Mastercard International Incorporated. Card may be used everywhere Mastercard is accepted. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. The Bancorp Bank, N.A. is issuer of the Card only and not responsible for the associated accounts or other products, services, or offers from Venmo.
Apple Pay is a trademark of Apple Inc. Google Pay is a trademark of Google LLC. Samsung and Samsung Pay are trademarks or registered trademarks of Samsung Electronics Co. Ltd.