Venmo Credit Card

This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This site does not include all financial companies or all available financial offers. For additional details, see our Advertiser Disclosure.

Card Details and Application Link

Venmo Credit Card

ⓘ $0
1st Yr Value Estimate

Up to 6% back
Through 12/31/21, earn 6% cash back on your eligible top spend category, 4% on the next, and 2% on all other purchases
Click here to learn how to apply (this is NOT an affiliate link)

No Annual Fee

After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app.

Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.

Recent better offer: None

Card Type: Visa

Base

Earning rate: 3% on your eligible top spend category (6% through 12/31) ⚬ 2% on your second top category (4% through 12/31/21) ⚬ 1% everywhere else (2% through 12/31/21) ⚬ Eligible cateories include Dining & Nightlift, Travel, Bills & Utilities, Health & Beauty, Grocery, Gas, Transportation, Entertainment

Application Tips

Citi Application Tips

24 Month Rule (ThankYou Cards): To get bonus on any ThankYou card, you must wait 24 months after receiving a new cardmember bonus or closing any ThankYou card account. Applies to Preferred, Premier, Prestige, and Rewards+.
24 Month Rule (Expedia Cards): To get bonus on any Expedia card, you must wait 24 months after opening or closing any Expedia card account.
48 Month Rule (AA Cards): With Citi AA cards, you have to wait 48 months after receiving a bonus for the same exact card.
Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.
Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 or 48 month rules and velocity rules (above).
Hard inquiries DO NOT combine into 1 when approved same day

Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Keep or Cancel?

Keep! This card has no annual fee and best in class earning power.

Related Cards (Other cash back cards)

Card Offer
BBVA Compass Select ➥More ⓘ $420 1st Yr Value Estimate 50K points 50K after $4K spend in 90 days No Annual Fee First Year, Then $99 Note that the terms indicate that qualifying purchases for the introductory bonus must be processed by Visa USA, so it is possible that foreign transactions will not count torward the minimum spending requirement. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Ridgewood Savings Bank World Mastercard ➥More ⓘ $400 1st Yr Value Estimate 50K points 50K after $5K spend in 90 days No Annual Fee First Year, Then $95 Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
BB&T Spectrum Rewards ➥More ⓘ $375 1st Yr Value Estimate Up to $1,350 $1350 after $50K spend in 3 months (Get 3% cash back in first 3 months, plus 5% year end bonus + 30% big spend bonus = $2025. Consider $1350 of that to be signup bonus.) No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Vantage West Connect Rewards ➥More ⓘ $360 1st Yr Value Estimate $400 cash back $400 cash back after $2k spend in 90 days No Annual Fee Note that the application page notes it is a mail offer, so it is possible that the $400 bonus is targeted. YMMV. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
HSBC Premier World Mastercard® credit card ➥More ⓘ $343 1st Yr Value Estimate 35K points 35K points after $3K in 3 months No Annual Fee First Year, Then $95 Note that the ongoing annual fee is $0 if you maintain an HSBC Premier checking account (which requires $5K per month in direct deposits to remain fee-free)
HSBC Premier World Elite Mastercard® credit card ➥More ⓘ $295 1st Yr Value Estimate 50K points 50K after $4K spend in 3 months $395 Annual Fee
PNC Premier Traveler® Visa Signature Credit Card ➥More ⓘ $270 1st Yr Value Estimate 30K "miles" 30K after $3K spend in 3 months from account opening No Annual Fee First Year, Then $85 Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Miami Marlins Credit Card ➥More ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Manchester United Credit Card ➥More ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 50K points were briefly available at launch
Cleveland Cavaliers Credit Card ➥More ⓘ $200 1st Yr Value Estimate 25,000 points 25K after $2.5K in first 3 months No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 100K points were briefly available at launch
ABOC Platinum Rewards ➥More ⓘ $150 1st Yr Value Estimate $150 Statement Credit $150 statement credit after $1200 in purchases within 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Affinity Cash Rewards Visa® Signature Credit Card ➥More ⓘ $140 1st Yr Value Estimate $200 cash back $200 cash back after $3K spend in first 90 days No Annual Fee Join Affinity by donating at least $5 to the New Jersey Coalition for Financial Education (NJCFE) or Connecticut Jump$tart. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Verizon Visa Card ➥More ⓘ $98 1st Yr Value Estimate $100 in Verizon credit Up to $100 in credit applied over 24 monthly wireless bills No Annual Fee
BBVA Compass NBA American Express Card ➥More ⓘ $90 1st Yr Value Estimate 10K points 10K after $500 spend in 90 days No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: 20K after $1K spend. (last reported 1/2016).
Marvel MasterCard from Synchrony ➥More ⓘ $25 1st Yr Value Estimate $25 Cash Back $25 after first purchase No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
Rakuten (formerly Ebates) Cash Back Visa issued by Synchrony Bank ➥More ⓘ $10 1st Yr Value Estimate $10 Cash Back $10 after first purchase No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Santander® Ultimate Cash Back® credit card ➥More ⓘ $0 1st Yr Value Estimate 3% back for 12 months 3% cash back for 12 months on up to $20K in purchases No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Ducks Unlimited Visa from First Bankcard ➥More ⓘ $0 1st Yr Value Estimate This card no longer features a first-year bonus and while it previously earned 5% back at gas stations, it now only offers 1.5% back everywhere. No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
Alliant Cashback Visa Signature Card ➥More ⓘ $0 1st Yr Value Estimate None This card no longer features a first-year bonus. No Annual Fee First Year, Then $99 Join Alliant by donating at least $10 to Foster Care to Success Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Paypal Cashback Mastercard ➥More ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Citizens Bank Cash Back Plus® World Mastercard® ➥More ⓘ $0 1st Yr Value Estimate Offer Expired Previous Offer: 10% back on groceries, restaurants, and food delivery (on up to $500 in purchases each month) until 5/5/21 No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Fidelity Rewards Visa ➥More ⓘ $0 1st Yr Value Estimate None There is currently no welcome bonus offered. No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: $100 back after $1K in first 3 months
Huntington Voice ➥More ⓘ $0 1st Yr Value Estimate No Welcome Bonus No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
FNBO TravElite Credit Card ➥More ⓘ $0 1st Yr Value Estimate Not available for new applicants No Annual Fee Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
Venmo Credit Card ➥More ⓘ $0 1st Yr Value Estimate Up to 6% back Through 12/31/21, earn 6% cash back on your eligible top spend category, 4% on the next, and 2% on all other purchases No Annual Fee After $10K in purchases in the elevated categories each anniversary year, you only earn 1% back (or 2% through the end of 2021). Note that you can only apply in the Venmo app. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. Recent better offer: None
SEFCU Lightning Credit Card® ➥More ⓘ $0 1st Yr Value Estimate 5x online purchases through 1/31/21 5x online purchases through 1/31/21 No Annual Fee Note that it is possible that 5x online purchases is capped at $1250 spend. Info about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy.
UBS Cash Rewards Visa Business ➥More ⓘ $-50 1st Yr Value Estimate $150 (call to apply) $150 after $5,000 spend in 3 months $150 Annual Fee Bonus offer is not available to either current or previous UBS credit cardmembers. Note: UBS Business cards DO add to Chase's 5/24 Rule.

Airline Loyalty Programs

Hotel Loyalty Programs

Points & Miles

Booking Awards

CREDIT CARD SPEND

PODCAST & YOUTUBE

MORE

Venmo Credit Card

Follow & Share