What is the Venmo debit card?

The Venmo Debit Card is a free Mastercard issued by The Bancorp Bank that is linked to your Venmo balance. You can use it anywhere Mastercard is accepted — in stores, online, and at ATMs. It includes cashback rewards of up to 3% at select merchants and is available to verified Venmo users.

Is the Venmo debit card free?

Yes. The Venmo Debit Card has no monthly fee, no annual fee, and no activation fee. It is free to order. ATM withdrawals cost $2.50 at non-MoneyPass ATMs. MoneyPass network ATMs (40,000+ locations) are free.

What cashback does the Venmo debit card earn?

The Venmo Debit Card offers cashback of up to 3% at one merchant category of your choice (selected in the app), 2% at another category, and 1% at all other purchases. Categories rotate periodically. Cashback is deposited into your Venmo balance and can be used for payments or transferred to your bank.

What is the Venmo debit card ATM limit?

The Venmo Debit Card daily ATM withdrawal limit is $400. The daily spending limit for purchases is $3,000. MoneyPass ATMs (40,000+ locations) are fee-free. Non-MoneyPass ATMs carry a $2.50 fee from Venmo plus any ATM owner surcharge.

Venmo Debit Card 2026: Features, Cashback and ATM Limits

The Venmo Debit Card is a free Mastercard with cashback rewards up to 3% and free ATM access at 40,000+ MoneyPass locations. Here is everything you need to know for 2026.

Venmo Debit Card at a Glance

Feature	Details
Card type	Mastercard debit (The Bancorp Bank)
Monthly fee	$0
Annual fee	$0
Cashback	1–3% (category-based)
ATM fee (MoneyPass)	$0
ATM fee (non-MoneyPass)	$2.50
Daily ATM limit	$400
Daily purchase limit	$3,000
Contactless	Yes (NFC/tap-to-pay)

How to Get the Venmo Debit Card

Open Venmo → tap the menu (☰) → Venmo Debit Card
Tap Get Debit Card
Verify your identity (if not already done): full name, date of birth, SSN last 4
Enter your mailing address
Card arrives in 7–10 business days; a virtual card number is available immediately in the app

Requirements: US resident, 18+, verified Venmo account.

Cashback Rewards

The Venmo Debit Card uses a category-based cashback system:

3% cashback: One category you choose (food & drink, gas, travel, health & beauty, etc.)
2% cashback: One secondary category you choose
1% cashback: All other purchases

You select and change your categories in the Venmo app. Cashback is credited to your Venmo balance within days of each transaction and can be sent to friends, used for purchases, or transferred to your bank.

ATM Access

ATM Network	Fee	Locations
MoneyPass	$0	40,000+ US locations
Non-MoneyPass	$2.50 (Venmo fee)	Anywhere Mastercard ATMs

Find MoneyPass ATMs at moneypass.com or in the Venmo app.

Venmo Debit Card vs Cash Card

Feature	Venmo Debit Card	Cash App Cash Card
Network	Mastercard	Visa
Monthly fee	$0	$0
Rewards	1–3% cashback	Boosts (merchant discounts)
ATM fee (free network)	$0 (MoneyPass, 40K ATMs)	$0 with $300+/month DD
Daily ATM limit	$400	$250 (or $1,000 with DD)
Daily purchase limit	$3,000	$7,000

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Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

The content on Wealthvieu is for informational purposes only and should not be considered financial, tax, or investment advice. Consult a qualified professional before making financial decisions. Full disclaimer · Editorial policy