The Venmo is a personal credit card from Venmo. The annual fee is $0 — no annual fee. The ongoing APR is Varies by creditworthiness (purchase APR disclosed in agreement). Approval typically requires a credit score of Fair (580+) or higher. Signup bonus: This card occasionally offers bonuses for new applicants that may change over time.. Rewards: 3% back on your highest spend category, 2% on next, 1% on other purchases. Cash back: 3% cash back in your top spending category for the month, 2% back in your second-place spending category, 1% back on all other purchases. This product reports activity to your personal credit report. Pre-qualification available (soft pull). Post-intro APR: Varies by creditworthiness (purchase APR disclosed in agreement)