VENMO CARD
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 5% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
- The cashback program is bundle-based, you pick a set of brands, not all merchants.
Base | 1% | Spend at bundle brands
Auto-Reload | 2% | Turn on auto-reload from bank
Direct Deposit | 5% | Receive $500+/mo Direct Deposit
Cap | $100/mo | Maximum cashback per month
- You cannot spend crypto directly with the card. You must sell crypto first, then spend the USD balance.
- PYUSD (PayPal USD stablecoin) can be bought/sold with 0% transaction fee, the only free crypto on the platform.
THE REAL STORY ON THIS CARD.
- No monthly fee, no card issuance fee, no credit check
- Up to 5% cash back with Venmo Stash (requires Direct Deposit for max tier)
- 40,000+ free MoneyPass ATMs
- Instant virtual card before physical card arrives
- Integrated crypto buying/selling platform (BTC, ETH, LTC, BCH, PYUSD)
- FDIC pass-through insurance on USD balance
- Teen account option (ages 13-17)
- Direct Deposit with early paycheck access
- United States only
- No IBAN/SWIFT
- Crypto is custodial
- Cash back to crypto feature is Credit Card only, not available for debit
- Crypto fees can be high for small purchases (2.20% for <$75)
- No staking yield or earn on crypto holdings
- $2.50 international ATM fee
- Not a true crypto-native card, card uses fiat rails, crypto is separate app feature
GENERAL QUESTIONS.
The Venmo Debit Card is a Mastercard® debit card linked to your Venmo account that lets you spend your Venmo balance everywhere Mastercard is accepted, in stores and online. You can also add it to mobile wallets like Apple Pay and Google Pay.
You can request a card directly from the Venmo app:
Open the app → go to the Cards tab
Select Venmo Debit Card
If eligible, you’ll be able to apply — once approved, the card typically arrives in about 10 business days.
No application fee and no monthly or annual fee to keep the card. However, other usage fees may apply (like ATM withdrawal fees or out-of-network ATM fees).
Yes — the card works anywhere Mastercard is accepted around the world. Venmo doesn’t charge purchase fees for international use, but the currency conversion rate is set by Mastercard.
