How do I apply for the Venmo Credit Card?
The Venmo Credit Card is now available for users to apply using the latest version of the Venmo app. If you are eligible to apply, you will see a Venmo Credit Card section in the Settings menu of your Venmo app. To learn more, visit https://venmo.com/about/creditcard/.
What information do I need to apply for the Venmo Credit Card?
When you apply for the Venmo Credit Card, we’ll ask you for your name, email address, phone number, and residential address. We’ll also need to gather some identity information, like your date of birth and the last four digits of your Social Security Number. In addition, we ask for your annual net income as a part of this process.
Do you run a credit check as a part of this application?
Yes. Your credit will be checked as a part of determining whether to approve or decline your Venmo Credit Card application. If you have additional questions about this credit check, please contact Synchrony Bank at 855-878-6462.
Should I check to see if there’s a freeze on my credit report before I apply for the Venmo Credit Card?
If you currently have a freeze on your credit report, you will need to remove the freeze before applying for the card. If you have additional questions about this credit check, please contact Synchrony Bank at 855-878-6462.
What is the APR? What will my credit line be?
Your APR(s) and credit limit(s) will be determined when you open your account, based on your creditworthiness and other factors. You can learn more about the terms and rates here.
Do I need a Venmo account to apply for a Venmo Credit Card?
To apply for, use, and manage your Venmo Credit Card, you need a Venmo account that has been open for at least 30 days and is in good standing. Please note that you cannot close a Venmo account unless you have first closed your Venmo Credit Card and have paid off its balance in full.
Does it cost money to apply for the Venmo Credit Card?
To review rates, fees, and terms for the Venmo Credit Card, please visit https://venmo.com/creditcard/termsandrates.
Can I apply jointly with my spouse/partner?
At this time, you are unable to apply for the Venmo Credit Card with joint or authorized users. The Venmo Credit Card is not meant for multiple users.
Can I have more than one Venmo Credit Card at a time?
At this time, Venmo users can only have one Venmo Credit Card.
I applied for the Venmo Credit Card. What happens next?
If your application is approved, your Venmo app will provide you some information about your credit limit(s) and APR(s). Please note: You may be given a temporary limit until your Venmo Credit Card is activated. Once your Venmo Credit Card account is opened, you can expect your card in 7-10 business days. You can find more about activating and using your Venmo Credit Card here. If you have additional questions, please reach out to Synchrony Bank at 855-878-6462.
If your application is not approved right away, we may need to gather more information from you in order to process your application. If this happens, you’ll be notified to submit additional information in the Venmo Credit Card section of the Venmo app. If you need help with this process, you can call our Venmo Credit Card Customer Security team at 800-204-5027. They are available only by phone, 7 days a week, from 10:00am until 8:30pm EST.
If you are not approved for a Venmo Credit Card, you’ll receive a letter in the mail explaining why in 7-10 business days after your application date. If you have further questions, please reach out to Synchrony Bank at 855-878-6462.
I was approved for the Venmo Credit Card. When will it get here?
You can expect your Venmo Credit Card in 7-10 business days. In the meantime, you can use your virtual card number to shop online. Learn more about using your virtual card number here. If your Venmo Credit Card doesn’t arrive in the expected window, please reach out to Synchrony Bank at 855-878-6462.
** See Terms & Rates
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.