Venmo Credit Card
Venmo Credit Card is a cash-back credit card (visa) issued on Visa, rated 6.5/10 in our latest review. Below: what it costs and what it demands, the tiers the issuer publishes, and how the card cleared our live checkouts.
Venmo Credit Card is the strongest fit for app store / play and free issuance, and asks for ID + proof at signup — we carry it at low risk. Treat the fee rows as the deciding factor: a card that clears reliably but charges on every top-up costs more than its rating suggests.
Profile
| Issuer / category | Venmo Credit Card · Cash-back credit card (Visa) |
| Official site | https://venmo.com/about/creditcard |
| Best for | App Store / Play · Free issuance |
| Network | Visa |
| Rating | 6.5/10 (3.0★, 563 data points) |
| Data quality | partial |
Costs and fees
| Card creation fee | Free |
| Monthly / annual fee | $0 |
| FX / conversion fee | 0% |
Verification and risk
| KYC required | Yes (US; credit approval) |
| Risk level | Low |
| AVS check | Yes (US AVS) |
| 3-D Secure | Yes |
Funding and limits
| Crypto top-up | Yes (cashback convertible to crypto) |
| Bank transfer | Yes |
| Alipay / WeChat Pay | No |
| Cards per account | Multiple |
Billing
| Billing address | US General |
| Billing country | US |
Platform compatibility
| ChatGPT | No |
| Claude | No |
| Midjourney | No |
| Netflix / Spotify | No |
| App Store / Google Play | Yes |
| Meta / Google Ads | No |
What the issuer states on its own site
- You’ll still earn up to 4% cash back on eligible purchases, even when paying with your phone or smartwatch.
- Earn up to 4% daily cash back 1 on dining, entertainment, and streaming.
- Earn 3% cash back on dining and entertainment.
- Grab an extra 1% cash back when you split the transaction and your friends pay you back in the app.
- Earn 3% cash back when you check out with Venmo online, pay a business on Venmo, or pay someone for goods or services on Venmo.
- You’ll earn 1% cash back on all other purchases with your card.
Source: https://venmo.com/about/creditcard.
How it performed in our tests
| BIN range | Network | Issuing country | Type | Charges | Cleared | Clear rate |
|---|---|---|---|---|---|---|
| 412962 | Visa | United States | Credit | 280 | 199 | 71.1% |
We logged 199 cleared charges out of 280 attempts on 1 documented range for this brand. Counts include renewals, not just first charges.
Where to go next
Checkout guides built around this card
Category guides
Issuing country
Other Visa virtual cards
Frequently asked
What does Venmo Credit Card cost to run?
The cost lines stack like this: issuing the card is free; the recurring charge is $0; conversion is priced at 0%. Cash-out costs are what compound here, so weigh the recurring lines above the one-off fee.
Do I need to verify my identity for Venmo Credit Card?
Venmo Credit Card asks for ID + proof at signup. The check runs once when the account opens, not on each charge, and the issuer's own wording is: Yes (US; credit approval)
How can I fund Venmo Credit Card?
You can fund it with crypto (cashback convertible to crypto), bank transfer. Pick the one you can top up cheaply and repeatedly, because the load fee is charged every time.
Which billing address does Venmo Credit Card need?
Setting it up: the billing address type is US General; cards are issued against US; an AVS check is applied. Copy the address the issuer generates rather than retyping it. A transposed digit is the most common reason a working range starts failing.
Does Venmo Credit Card work for subscriptions and AI tools?
We recorded successful charges for the App Store and Google Play. Where a card passes on one merchant and fails on another, the difference is usually the processor and the 3-D Secure setting rather than the card itself.
Will Venmo Credit Card trigger 3-D Secure?
Yes. Venmo Credit Card supports 3-D Secure, so expect a step-up prompt on larger or first-time charges. An OTP you can complete is fine; a challenge that never arrives is what kills the order, so keep the issuer app open at checkout.
How many cards can I open with Venmo Credit Card?
Venmo Credit Card allows more than one number per account rather than a fixed count, and the issuer's own wording is: Multiple. Multiple numbers under one account is the practical pattern here, so a single merchant block does not take the rest of your billing down with it.
How VCCFinder tests
VCCFinder buys cards at retail and charges them on live checkouts, then publishes the clear rate and decline reasons next to each range. Where a card declined, the reason sits on its BIN page rather than in a footnote here.