The 6 Best Credit Cards for Venmo in 2024 [Why We Like Amex]

Venmo is one of the most popular peer-to-peer payment platforms on the market today. Originally, it was built as an app where you could split bills with friends and family members — nowadays, Venmo is used to send remittances to family members in the U.S., pay consultants or contractors, or purchase other goods and services.

Normally, you can just link up your bank account to Venmo to easily exchange funds. But if you’re savvy and use the right credit cards, you can earn some rewards to go along with your purchase. You’ve just got to be careful to use the right card at the right time in order to avoid losing big on fees.

In this guide, we’ll walk you through the best credit cards to use for Venmo.

What To Look for in a Card for Venmo

Although this wasn’t the case in the past, paying a friend with a credit card is now a costly endeavor. Most of the major banks and payment networks now code Venmo as a cash advance, which not only means that you’ll be hit with cash advance fees, but your Venmo transaction won’t even earn any rewards.

So, the single, most important factor to look for in a card to use on Venmo is cash advance fees — you’ll want to find a card that doesn’t charge cash advance fees for Venmo transactions. Unfortunately, there aren’t that many banks that code Venmo transactions as purchases.

Here’s a list of banks that code Venmo transactions as cash advances:

And here’s the list of banks that code Venmo transactions as purchases:

Unfortunately, Discover offers relatively lackluster rewards and benefits from its credit cards — American Express is the much better issuer of top-shelf cards that offer excellent travel rewards and benefits.

For this reason, we’ll be focusing on our favorite Amex cards in this Venmo-centric guide.

Best Personal Cards

All of our featured personal cards earn 1x Membership Rewards points on payments or transactions through the Venmo app and have no preset spending limit, meaning your spending limit is flexible. Unlike a traditional card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment, and credit history.

Card Overview

*The information regarding the American Express^® Green Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

The Platinum Card^® from American Express

BEST LOUNGE ACCESS

Terms Apply / Rates & Fees

The Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Platinum Card^® from American Express

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Welcome Offer

Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.

80,000 points

UP's Bonus Valuation*:

$1,760

Annual Fee

$695

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card^® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros & Cons

Pros

• The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
• 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
• 5x points per dollar spent on prepaid hotels booked with AmexTravel.com

Cons

• $695 annual fee (rates and fees)
• Airline credit does not cover airfare (only incidentals like checked bags)

Read Full Review

Card Highlights

• Earn 80,000 Membership Rewards^® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 5X Membership Rewards^® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards^® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts^® or The Hotel Collection bookings through American Express Travel using your Platinum Card^®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card^® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card^® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card^®.
• $200 Uber Cash: Platinum Card^® Members can get out and about and explore their local area with $15 in Uber Cash for US rides each month, plus a bonus $20 in December. That can be up to $200 in annual Uber savings. Simply download the Uber app and add your Platinum Card^® to your Uber account to get started. Available to Basic Card Member only. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $199 CLEAR^® Plus Credit: CLEAR^® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $199 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $120 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 years for a TSA PreCheck^® (through a TSA official enrollment provider) application fee, when charged to your Platinum Card^®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card^®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card^® to your Resy profile.
• $695 annual fee.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Our favorite personal card for Venmo is the Amex Platinum card, which is American Express’s flagship ultra-premium card product and boasts a terrific earning rate:

• 5x points on flights booked directly with airlines or through AmexTravel.com (up to $500,000 per calendar year)
• 5x points on prepaid hotels booked through AmexTravel.com
• 1x points on other purchases (including payments through the Venmo app)

In addition, this card offers the most robust collection of statement credit benefits of any card (some perks available upon enrollment):

• Up to $200 per year in prepaid hotel credits
• Up to $200 per year in airline fee credits (upon enrollment)
• Up to $199 per year in CLEAR Plus credits
• Up to $120 in Global Entry (as of October 1, 2024) or up to $85 in TSA PreCheck application fee credits
• Up to $200 per year in Uber Cash
• Up to $300 per year in Equinox credits
• Up to $300 in SoulCycle credits
• Up to $100 per year in Saks Fifth Avenue credits (upon enrollment)
• Up to $240 per year in digital entertainment credits
• Up to $155 per year in Walmart+ credits

You’ll also enjoy a series of unique luxury travel benefits when you hold this card:

• Access to the American Express Global Lounge Collection, including Centurion Lounges, Delta Sky Clubs (when flying on a same-day Delta flight), and Priority Pass Lounges (upon enrollment)
• Access to Fine Hotels + Resorts and The Hotel Collection
• Complimentary Hilton Honors Gold and Marriott Bonvoy Gold Elite status (upon enrollment)
• Complimentary Hertz Gold Plus Rewards President’s Circle status, Avis Preferred privileges, and National Emerald Club Elite status (upon enrollment)
• Access to Platinum Concierge
• Comprehensive travel insurance, including trip interruption and cancellation insurance and trip delay insurance

This card also has cell phone insurance, return protection, purchase protection, extended warranty, no foreign transaction fees (rates & fees), and no preset spending limit.

American Express^® Gold Card

BEST FOR DINING

Terms Apply / Rates & Fees

American Express^® Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Apply Now(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Gold Card

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Welcome Offer

Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.

60,000 points

UP's Bonus Valuation*:

$1,200

Annual Fee

$325

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants, up to $50,000 per calendar year, and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros & Cons

Pros

• 4x points per dollar at restaurants worldwide, up to $50,000 per calendar year; then 1x thereafter
• 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year; then 1x thereafter
• 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com

Cons

• $325 annual fee (rates and fees)
• No lounge access

Read Full Review

Card Highlights

• Earn 60,000 Membership Rewards^® points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.
• Earn 4X Membership Rewards^® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 4X Membership Rewards^® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
• Earn 3X Membership Rewards^® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
• Earn 2X Membership Rewards^® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
• Earn 1X Membership Rewards^® point per dollar spent on all other eligible purchases.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year. Effective 11/8/2024, an Amex Card must be selected as the payment method for your Uber or Uber Eats transaction to redeem the Amex Uber Cash benefit.
• $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express^® Gold Card at U.S. Dunkin' locations.
• $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express^® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
• $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express^® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
• Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges with every booking of two nights or more through AmexTravel.com. Eligible charges vary by property.
• No Foreign Transaction Fees.
• Annual Fee is $325.
• Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Gold card is another great card option for heavy Venmo users, as well as for those looking to rack up rewards on everyday purchases. Currently, you can earn up to 4x points:

• 4x points at restaurants worldwide, plus takeout and delivery in the U.S. on up to $50,000 in purchases per year
• 4x points at U.S. supermarkets, up to $25,000 in purchases per year
• 3x points on flights booked directly with airlines or with AmexTravel.com
• 1x points on other purchases (including payments through the Venmo app)

Although this card isn’t as fully-loaded with benefits as the Amex Platinum card, it does offer access to The Hotel Collection where you can book eligible 2-night stays through AmexTravel.com and get a room upgrade (if available) as well as a $100 property credit once per stay.

The Amex Gold card also comes with fantastic benefits:

• Up to $120 in Uber Cash for rides or eats orders in the U.S. (distributed as $10 per month)
• Up to $120 in dining credits at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, & Five Guys (distributed as $10 per month)
• Up to $100 Resy credit redeemable at any U.S. Resy restaurant and other eligible Resy purchases (distributed as $50 semi-annually)
• Up to $84 Dunkin’ credit redeemable at U.S. Dunkin’ locations (distributed as $7 per month)

Note that enrollment is required for some benefits, so make sure you’re enrolled to get the most out of your card’s benefits.

This card also offers basic travel insurance including car rental loss and damage insurance (secondary coverage), baggage insurance plan, and access to Global Assist Hotline.

There’s no preset spending limit or foreign transaction fees (rates & fees) when you use the Amex Gold card.

American Express^® Green Card

American Express^® Green Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

All information about American Express^® Green Card has been collected independently by Upgraded Points.

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

American Express^® Green Card

This card can provide a great way to accumulate Membership Rewards points on eligible travel, transit, and at restaurants.

Welcome Offer

Earn 40,000 Membership Rewards^® points after you spend $3,000 in eligible purchases on your American Express^® Green Card within the first 6 months of Card Membership.

40,000 points

UP's Bonus Valuation*:

$880

Annual Fee

$150

APR

See Pay Over Time APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Green Card is an excellent all-around travel rewards card thanks to earning 3x Membership Rewards^® points on eligible travel and transit purchases and at restaurants, access to American Express transfer partners, and a reasonable annual fee.

Pros & Cons

Pros

• 3x points per $1 spent at restaurants worldwide, on all eligible travel purchases, and transit purchases
• Up to $199 per calendar year in statement credits after you pay for a CLEAR^® Plus membership with the Card.
• Up to $100 in statement credits annually when you purchase airport lounge access through LoungeBuddy with the Card.

Cons

• $150 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 40,000 Membership Rewards^® Points after you spend $3,000 in eligible purchases on your American Express^® Green Card within the first 6 months of Card Membership.
• Earn 3X Membership Rewards^® points on travel, including airfare, hotels, cruises, tours, car rentals, campgrounds, and vacation rentals.
• Earn 3X Membership Rewards^® Points on transit purchases, including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways.
• Earn 3X Membership Rewards^® points on eligible purchases at restaurants worldwide, including takeout and delivery in the US.
• $199 CLEAR Plus Credit: Receive up to $199 per calendar year in statement credits when you pay for your CLEAR Plus membership (subject to auto-renewal) with the American Express^® Green Card.
• $100 LoungeBuddy: No airport lounge membership? No problem! Purchase lounge access through the LoungeBuddy app using the American Express^® Green Card and receive up to $100 in statement credits annually.
• Payment Flexibility: When it comes to paying your bill, you have options. You can always pay in full. You also have the flexibility to carry a balance with interest or use Plan It^® to split up large purchases into monthly payments with a fixed fee, up to your Pay Over Time Limit. You may be able to keep spending beyond your limit – you’ll just need to pay for any new purchases in full when your bill is due.
• Trip Delay Insurance: If a round-trip is paid for entirely with your Eligible Card and a covered reason delays your trip more than 12 hours, Trip Delay Insurance can help reimburse certain additional expenses purchased on the same Eligible Card, up to $300 per trip, maximum 2 claims per eligible account per 12 consecutive month period. Terms, conditions and limitations apply. Coverage is provided by New Hampshire Insurance Company, an AIG Company.
• No Foreign Transaction Fees: No matter where you’re traveling, when you use your American Express^® Green Card there are no foreign transaction fees.
• $150 annual fee.
• Terms Apply.

Financial Snapshot

• APR: See Pay Over Time APR
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

The Amex Green card is the last recommended personal card for Venmo in this guide. Definitely don’t write off this card just because it’s not as prestigious as the Amex Platinum card or Amex Gold card.

It earns up to 3x points on purchases:

• 3x points on travel, transit, and at restaurants worldwide, including takeout and delivery in the U.S.
• 1x points on other purchases (including payments through the Venmo app)

You’ll get 2 major statement credit benefits with the Amex Green card:

• Up to $100 per year in LoungeBuddy credits
• Up to $199 per year in CLEAR Plus credits

To round out the travel insurance benefits, you can enjoy trip delay insurance, car rental loss and damage insurance (secondary coverage), baggage insurance plan, and access to Global Assist Hotline.

Also, you’ll get purchase protection, extended warranty, no foreign transaction fees, and no preset spending limit.

Best Business Cards

Similar to the recommended personal cards, our featured Amex business cards also earn 1x Membership Rewards points on payments or transactions through the Venmo app and have no preset spending limit.

Card Overview

The Business Platinum Card^® from American Express

ELEVATED OFFER

Terms Apply / Rates & Fees

The Business Platinum Card^® from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Apply Now(at Amex's secure site)

The Business Platinum Card^® from American Express

This card is ideal for business travelers who enjoy luxury travel and are looking for a card loaded with benefits!

Welcome Offer

Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.

150,000 points

UP's Bonus Valuation*:

$3,300

Annual Fee

$695

APR

18.49% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The Business Platinum Card^® from American Express is a premium travel rewards card tailored toward business owners who are frequent travelers with a high number of annual expenses.

When you factor in the large number of perks that the card offers like the best airport lounge access at over 1,400 lounges, along with tons of annual credits, it’s easy to see why this card can is a top option for frequent traveling business owners.

Pros & Cons

Pros

• 5x Membership Rewards points per $1 on flights and prepaid hotels at Amex Travel
• Access to over 1,400 worldwide airport lounges as part of the American Express Global Lounge Collection
• Get 50% more Membership Rewards points (1.5 points per $1) on eligible purchases in key business categories, as well as on purchases of $5,000 or more (cap applies)

Cons

• High annual fee of $695 (rates & fees)
• Airline fee credit does not cover airfare, only incidentals like checked bags

Read Full Review

Card Highlights

• Welcome Offer: Earn 150,000 Membership Rewards^® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
• 5X Membership Rewards^® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
• Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
• Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card^®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card^®, here.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
• $199 CLEAR^® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR^® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card^®.
• The American Express Global Lounge Collection^® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
• $695 Annual Fee.
• Terms Apply.

Financial Snapshot

• APR: 18.49% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

With the Amex Business Platinum card, you can enjoy some high-end rewards and luxury travel benefits, starting with a great earning rate:

• 5x points on flights and prepaid hotels booked through AmexTravel.com
• 1.5x points on eligible purchases in key business categories and eligible purchases of $5,000 or more everywhere else (cap applies)
• 1x points on other purchases (including payments through the Venmo app)

There’s a slightly different series of statement credits for the Amex Business Platinum card (some perks available upon enrollment) than with the Amex Platinum card:

• Up to $400 per year in Dell credits
• Up to $360 per year in Indeed credits
• Up to $150 per year in Adobe credits
• Up to $120 per year in wireless statement credits
• Up to $200 per year in airline fee credits (upon enrollment)
• Up to $199 per year in CLEAR Plus credits
• Up to $120 in Global Entry (as of October 1, 2024) or up to $85 in TSA PreCheck application fee credits

Plus, a unique benefit with the Amex Business Platinum card is the 35% airline bonus, which gets you 35% points back on flights booked through AmexTravel.com using Pay With Points (up to 1 million points back per calendar year).

You’ll still enjoy the same access to Fine Hotels + Resorts and The Hotel Collection, as well as complimentary Marriott Bonvoy Gold Elite and Hilton Honors Gold status (upon enrollment), car rental perks and elite status with National, Avis, and Hertz (upon enrollment), and top-notch travel insurance.

Additionally, this card has cell phone protection, purchase protection, extended warranty, return protection, no preset spending limit, and no foreign transaction fees (rates & fees).

American Express^® Business Gold Card

ELEVATED OFFER

Terms Apply / Rates & Fees

American Express^® Business Gold Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Apply Now(at Amex's secure site)

American Express^® Business Gold Card

Get 4x points in 2 select categories where your business spends the most each month (on your first $150,000 spent each year).

Welcome Offer

Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*

100,000 points

UP's Bonus Valuation*:

$2,200

Annual Fee

$375

APR

18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent (670-850)

Why We Like This Card

The American Express^® Business Gold Card is excellent at racking up rewards for your business spend.

The card earns a whopping 4x points per $1 in the 2 categories (from a list of 6) that your business spends the most money on each month. With no need to opt-in or preselect your categories, so you can focus on what matters most — running your business.

Pros & Cons

Pros

• 4x points per dollar spent on your 2 highest purchase categories each month up to $150,000 each calendar year in purchases; categories include:
  • Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
  • U.S. purchases made from electronic goods retailers and software & cloud system providers
  • Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
  • U.S. purchases at gas stations
  • U.S. purchases at restaurants, including takeout and delivery
  • Purchases at U.S. media providers for advertising in select media (online such as Google Ads, Facebook Ads, plus TV and radio)
• 3x points per dollar on flights and prepaid hotels booked on amextravel.com using your Business Gold Card
• Access to Amex’s The Hotel Collection

Cons

• $375 annual fee (rates and fees)
• No elite travel benefits like airport lounge access or elite status

Read Full Review

Card Highlights

• Welcome Offer: Earn 100,000 Membership Rewards^® points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*
• 0% Intro APR ¤ for 6 months from the date of account opening on purchases eligible for Pay Over Time, then a 18.49% to 27.49% variable APR.*
• Earn 4X Membership Rewards^® points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.*
• Earn 3X Membership Rewards^® points on flights and prepaid hotels booked on amextravel.com using your Business Gold Card.*
• Earn up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.
• Get up to a $12.95** statement credit back each month after you pay for a monthly Walmart+ membership (subject to auto-renewal) with your Business Gold Card. **Up to $12.95 plus applicable taxes on one membership fee.*
• The Business Gold Card now comes in three metal designs: Gold, Rose Gold and Limited Edition White Gold. White Gold design is only available while supplies last. Make your selection when you apply on Americanexpress.com.
• *Terms Apply

Financial Snapshot

• APR: 18.49% - 27.49% Variable,0% on purchases for 6 months from date of account opening
• Foreign Transaction Fees: None

Rewards Center

American Express Membership Rewards

Our runner-up business card for Venmo is the Amex Business Gold card.

This card earns 4x Membership Rewards points on the top 2 categories in which your business spends the most every month (up to $150,000 in combined purchases every calendar year):

• Transit purchases including trains, taxicabs, rideshare services, ferries, tolls, parking, buses, and subways
•  U.S. purchases made from electronic goods retailers and software & cloud system providers
• Monthly wireless telephone service charges made directly from a wireless telephone service provider in the U.S.
• U.S. purchases at gas stations
• U.S. purchases at restaurants, including takeout and delivery
• Purchases at U.S. media providers for advertising in select media (online, TV, radio)

Other than that, this card has access to benefits such as access to The Hotel Collection, purchase protection, extended warranty, no preset spending limit, and no foreign transaction fees (rates & fees).

Business Green Rewards Card from American Express

Business Green Rewards Card from American Express

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This entry-level business card earns points for your business spending, which you can redeem in a simple-to-use rewards program. Business owners will appreciate the suite of tools designed to simplify finances.

Apply Now(at Amex's secure site)All information about Business Green Rewards Card from American Express has been collected independently by Upgraded Points.

Business Green Rewards Card from American Express

This entry-level business card earns points for your business spending, which you can redeem in a simple-to-use rewards program. Business owners will appreciate the suite of tools designed to simplify finances.

Welcome Offer

Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.

15,000 points

Annual Fee

$0 introductory annual fee for the first year, then $95

Why We Like This Card

The information regarding the Business Green Rewards Card from American Express was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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Most people recognize the Business Green Rewards Card from American Express by sight due to its classic green design. Many of you have probably carried that card yourself at one time.

But did you know the familiar Green Card is available for your small business too?

The Amex Business Green card gives you the same great benefits of the personal card with added benefits for business owners!

Card Highlights

• Earn 15,000 Membership Rewards^® points after you spend $3,000 in eligible purchases with the Business Green Rewards Card within the first 3 months of Card Membership.
• Earn 2x for each dollar you spend on eligible purchases at amextravel.com
• Earn 1x for each dollar you spend on eligible purchases
• $0 introductory annual fee for the first year, then $95
• Terms Apply

Financial Snapshot

• Foreign Transaction Fees: 2.7% of each transaction after conversion to U.S. dollars

Rewards Center

American Express Membership Rewards

The last card we’ll discuss is the Amex Business Green card, which earns up to 2x points:

• 2x points on eligible purchases booked through AmexTravel.com
• 1x points on other purchases (including payments through the Venmo app)

It comes with baggage insurance plan, access to Global Assist Hotline, and a series of spending perks including purchase protection, extended warranty, no foreign transaction fees (rates & fees), and no preset spending limit.

Final Thoughts

Overall, there aren’t as many options for cards to use with Venmo as there were in the past. This is because an increasing number of banks and card issuers treat Venmo as peer-to-peer payments, which triggers cash advance fees.

To date, American Express and Discover are 2 of the only major card issuers that still treat Venmo as a purchase, allowing you to earn rewards and avoid triggering cash advance fees.

Discover generally lags behind in terms of rewards, so we’ve focused most of our energy on American Express cards. In particular, we’ve walked you through 6 of the best card options for Venmo purchases. We hope that this guide has been helpful!

For the baggage insurance plan benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the baggage insurance plan benefit of the Amex Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the car rental loss and damage insurance benefit of the Amex Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the car rental loss and damage insurance benefit of the Amex Green card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

For the cell phone protection benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

Eligibility and benefit level for the cell phone protection benefit of the Amex Business Platinum card vary by card. Terms, conditions, and limitations apply. Please visit americanexpress.com/benefitsguide for more details. The card is underwritten by New Hampshire Insurance Company, an AIG Company.

For the extended warranty benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the Amex Business Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the extended warranty benefit of the Amex Business Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the global assist hotline benefit of the Amex Gold card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Card members are responsible for the costs charged by third-party service providers.

For the purchase protection benefit of the Amex Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Amex Business Platinum card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the purchase protection benefit of the Amex Business Gold card, eligibility and benefit level varies by Card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

For the return protection benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the return protection benefit of the Amex Business Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details.

For the trip cancellation and interruption insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip cancellation and interruption insurance benefit of the Amex Business Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Amex Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

For the trip delay insurance benefit of the Amex Business Platinum card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.