Last updated: by the Sweepbase Editorial Team
Venmo Credit Card bridges traditional credit rewards with cryptocurrency investment through innovative Cash Back to Crypto feature enabling automatic conversion of monthly cashback earnings into Bitcoin, Ethereum, Litecoin, or Bitcoin Cash—with no transaction fees, just a small conversion spread. Earn 3% cashback on your top spending category, 2% on second, and 1% on everything else (categories adjust monthly based on spending), then seamlessly convert rewards to crypto or keep as cash in your Venmo balance. Issued by Synchrony Bank with standard Mastercard acceptance, Venmo Credit Card combines familiar credit card convenience with crypto exploration for 76+ million Venmo users. Perfect for Americans seeking passive crypto accumulation through everyday spending without direct crypto purchases, though note this is a traditional credit card with optional crypto conversion rather than a true crypto spending card requiring existing digital asset holdings.
This is a Visa crypto card. It offers cashback rewards. Available to US residents.
| Issuance Fee | Free |
|---|---|
| Annual Fee | Free |
| FX Fee | Standard Mastercard rates |
| ATM Limit | Available at Mastercard ATMs |
| Spending Limit | Based on creditworthiness |
The Venmo Credit Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: USD credit line; optional crypto purchase via cashback
The Venmo Credit Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With 3% top category; 2% second category; 1% all else (adjusted monthly); optional auto-convert cashback to crypto cashback on eligible purchases, the Venmo Credit Card rewards active spenders who use the card as their daily driver.
The card is currently available in USA only — ideal for residents and frequent travellers in those areas.
Compare the Venmo Credit Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Venmo Credit Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Venmo website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Venmo processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using USD credit line; optional crypto purchase via cashback via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your physical Venmo Credit Card will be shipped to your registered address and typically arrives within 5–10 business days. Activate it directly through the Venmo app.
Available in the United States
The Venmo Credit Card is primarily available to US residents. Availability may vary by state due to state-level money transmission licensing requirements. Check the issuer's website for details specific to your state.
Commonly supported states:
