Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 3x on dining (catalog median is 2x)
- 3x on fast food (catalog median is 2x)
- No annual fee
- Non-bonus spending earns only 1x
What It Earns
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$432/yr
$432 rewards
Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$536/yr
$536 rewards
Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$538/yr
$538 rewards
Rewards by Category
Dining
3x
Grocery
2x
Gas
2x
Flights
2x
Hotels
2x
Other Travel
2x
Online Shopping
2x
Rideshare
2x
Streaming
1x
Amazon
2x
Costco
2x
Other
1x
Apple
2x
Cell Phone
1x
Fast Food
3x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.0 cents per point
The Fine Print That Changes the Math
3% on your top spend category (auto-selected), 2% on next 2 categories, 1% elsewhere. Cash back automatically added to Venmo balance.
Venmo Credit Card FAQ
What is the Venmo Credit Card annual fee?
The Venmo Credit Card has no annual fee.
What are the best spending categories for the Venmo Credit Card?
3x on dining, 3x on fast food, 2x on flights. Everything else earns 1x.
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