Venmo Credit Card

How the points work

3% on your top spend category

2% on your second top spend category

1% on all other eligible purchases and on Venmo person-to-person transactions

The following are eligible categories:

Dining & Nightlife: Restaurant and quick serve restaurants that sell prepared food and drinks for consumption on the merchant’s premises, carry out, drive through or delivery; plus, establishments that sell alcoholic beverages such as wine, beer, mixed drinks, and other liquors and beverages for consumption on the premises.

Travel: Airlines, hotels, motels and resorts. This category may include bed and breakfast establishments, resorts, cabins, cottages, hostels, timeshares, short-term property rentals less than 30 days in length, and local inns.

Bills & Utilities: Telecommunications, internet service providers, ongoing delivery of television/radio/streaming content on a subscription or fee basis, subscription products or services (such as magazine/newspaper subscriptions), electric or gas power, water supply, and refuse disposal or other utility services.

Health & Beauty: Drug stores and pharmacies that sell prescription drugs, over-the-counter medicines, vitamins, and may also sell related items such as cosmetics and toiletries, and cosmetic stores that sell beauty products. This category also includes sports and recreation facilities that require membership such as health clubs, tennis, golf and swimming clubs.

Grocery: Stores that sell food merchandise for home consumption, convenience, bakery and delicatessen stores, and wholesale clubs that sell a full range of goods (often in bulk) and services in warehouse-style stores.

Gas: Service stations that sell engine fuel.

Transportation: Ground transportation such as rental cars, taxicabs, ride share merchants, limousines, bus lines and passenger railways. This category also includes tolls, parking meters and parking garage fees. The specific MCCs defined as Ground Transportation will be referenced as Transportation in your Venmo app.

Entertainment: Movie theaters, theatrical and concert promoters, video rental and game stores, books and newsstands, amusement parks, music stores, and toy and hobby stores.