Venmo Credit Card Review
Synchrony · Venmo users who want automatic category optimization
3.9 / 5 (3456 reviews)
Annual Fee
No annual fee
Rewards
3% on top category, 2% on second, 1% on everything else
Regular APR
20.74% – 29.74%
Credit Needed
Good (670-749)
Our Expert Verdict
7/10
Editor's Score
Venmo's credit card automatically tracks your spending and gives 3% back on your top category each month (dining, gas, groceries, etc.) without any enrollment. Cash back goes to your Venmo balance where you can convert it to crypto if you want. The auto-category feature is unique in the market.
Pros
- Auto-detects best category
- No annual fee
- Cashback to Venmo or crypto
- No action needed for bonus rates
Cons
- 3% FTF
- No sign-up bonus
- Synchrony bank limitations
- Top category can shift month to month
Key Benefits & Perks
Auto-rotating top categories
Cashback to Venmo balance or crypto
No annual fee
Real-time purchase notifications
QR code for in-store Venmo payments
Rewards Breakdown
| Category | Rate |
|---|---|
| Top Category (auto-tracked) | 3% |
| Second Category | 2% |
| Everything else | 1% |
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Venmo users who want automatic category optimization
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Customer Reviews
3.9
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