On June 4, 2025, Venmo added contactless tap-to-pay, automatic transfers, threshold-based reloads, and international purchases without foreign transaction fees to its Venmo Debit Card, and it widened where users could check out with Venmo. The headline’s comparison to Cash App rests on a single reported figure from Block’s first quarter of 2025, not on a current measure of either company. This article separates what launched in 2025 from the terms Venmo publishes today, and it flags which numbers are company claims.
What Venmo announced on June 4, 2025
TechCrunch’s report on the June 2025 announcement describes the card and checkout changes below. Venmo’s own announcement, a PDF released the same day, confirms the core features.
| # | Preview | Product | Price | |
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Visa Virtual eGift Card | $54.95 | Buy on Amazon |
| 2 |
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Visa Physical Gift Card $200 (plus $6.95 Purchase Fee) | $206.95 | Buy on Amazon |
| 3 |
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Visa Virtual eGift Card | $206.95 | Buy on Amazon |
| 4 |
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Visa Physical Gift Card $100 (plus $5.95 Purchase Fee) | $105.95 | Buy on Amazon |
| 5 |
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Visa Virtual eGift Card | $28.95 | Buy on Amazon |
- Tap-to-pay: the Venmo Debit Card gained contactless payment at terminals.
- Automatic transfers: users could schedule transfers or set balance thresholds that trigger reloads of the Venmo balance from a linked bank account.
- International purchases: cardholders could make purchases abroad without foreign transaction fees, according to the announcement.
- Checkout expansion: Venmo said it was extending checkout to more retailers, including Domino’s, Instacart, TikTok Shop, and Uber.
Venmo’s announcement also said monthly active debit cardholders grew 40%. That is the company’s own figure for its own product, and it has not been independently verified.
Rewards then and now
The rewards terms are the part of this story most likely to be out of date. In June 2025, TechCrunch reported 15% cashback at selected merchants, naming Lyft, McDonald’s, Sephora, Walgreens, and Walmart. That was a merchant-specific offer for cardholders in that period, not a standing rate on all purchases.
#1 Best Overall
- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Venmo’s current Debit Card page, accessed October 8, 2026, describes a different structure called Stash rewards:
| Feature | June 2025 reporting (TechCrunch) | Current Venmo Debit Card page (accessed October 8, 2026) |
|---|---|---|
| Headline cashback | 15% at selected merchants | 1% by default |
| Higher tier | Not described in the report | 2% after $250 in qualifying monthly spend |
| Top tier | Not described in the report | 5% after $1,500 in qualifying monthly spend |
| Monthly cap | Not described in the report | $100 per month |
| Conditions | Selected merchants | Subject to terms and exclusions, which Venmo says may change |
Do not describe the 15% merchant offer as the current standard. Check the Venmo Debit Card page for the rates, thresholds, and exclusions that apply to your account on the day you read it.
How the card works today
Venmo describes the Mastercard debit card as a way to spend the balance in your Venmo account. The sections below summarize what Venmo says on its current card page and in its Venmo Debit Card FAQ.
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- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
Spending and mobile wallets
Venmo says the card can be added to Apple Pay or Google Pay. Purchases draw on the Venmo balance, so the balance needs to be funded before you spend.
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Venmo says you can withdraw cash at MoneyPass ATMs under its stated terms. The card has no monthly fee, but some withdrawal methods may carry a fee. Check the withdrawal fee schedule before relying on cash access away from home.
Eligibility
The FAQ says the card is available to most users, which is not the same as all users. If the card does not appear in your account, eligibility rather than a bug is the likely explanation.
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- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
Deposit insurance
Venmo states that it is not a bank and is not itself FDIC-insured. Its page describes pass-through FDIC insurance only for eligible funds held at program banks, and only when the stated conditions are met. Balances outside those conditions should not be assumed to be insured.
Business figures reported in 2025
TechCrunch’s June 2025 article gave these Venmo results. They are historical figures from the period it covered, and they are attributed to that report:
- Revenue up 20% year over year.
- Total payment volume up more than 50%.
- Monthly active accounts up 30%.
- Zelle payment volume exceeded $1 trillion in 2024, for comparison.
Metric definitions and reporting periods vary, so these numbers should not be compared directly with later figures from other sources.
Rank #4
- Gift Cards are shipped active and ready for use.
- This card is non-reloadable. No cash or ATM access. Funds do not expire. If available funds remain on your card after the valid thru date has passed, please call customer service for a replacement card. A one-time purchase fee applies at the time of checkout. No fees after purchase.
- To access your card information safely, type the complete website address shown on your Gift Card (MyGift.GiftCardMall.com) directly into your browser's address bar. Don't use search engines or shortened versions of the website address, as these may lead you to fake or fraudulent sites. Do not provide any Gift Card details (example: Card Number) to someone you do not know or trust. If you believe you've reached an illegitimate website, contact cardholder service at 1-888-524-1283. Be cautious of phishing sites, there are a variety of scams in which fraudsters try to trick others into paying with gift cards.
- To report your Lost or Stolen Physical Visa Card, call Customer Service 24/7 at 1 (888) 524-1283 to cancel your Gift Card as soon as you can. You will be asked to provide the Gift Card number and other identifying information.
- Use your Visa Gift Card in the U.S. everywhere Visa debit cards are accepted, including online.
Where Cash App fits in the comparison
The Cash App side of the headline comes from TechCrunch’s report that Block disclosed Q1 2025 Cash App gross profit of $1.38 billion, below its expectations, because consumers used the app less than anticipated. That is one reported quarter. It does not establish how Cash App performs today, and it does not show that Cash App’s results drove Venmo’s card changes.
No Cash App executive statement or independent analyst assessment was established for this comparison, so this article does not present one. A full current comparison of the two products would require same-period sourcing on fees, rewards, and availability, which is not covered here.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.What changed after 2025
April 2026: expanded Stash rewards
In an April 15, 2026 announcement, Venmo said it had expanded Stash rewards and was moving from a peer-to-peer app toward a broader money-movement app. Alexis Sowa, Venmo General Manager, said: “Venmo has always been where money moves between people, and now it is where millions choose to spend, in-app, in-store, and on-the-go.” This is company messaging rather than an independent assessment.
Best Value
- Visa Virtual eGift Cards are designed for online use only. Gift Cards are subject to Terms and Conditions: a.co/5bw3qXJ
- When you access your Visa Virtual eGift Card for the first time, you’ll need to register your name, address, phone number, and email address via activationspot.com. These details should also be used as your billing address for online purchases, as many merchants require address verification for purchase authorization.
- This Visa Virtual eGift Card is non-reloadable. No cash or ATM access. Visa Virtual eGift Cards are emailed active.
- Funds do not expire but your Visa Virtual eGift Card has a ‘valid thru’ date (9 years from date of purchase). If funds remain after this date has passed, please call the Toll Free number found on your Visa Virtual eGift Card for a replacement card. A one-time purchase fee applies at the time of checkout.
- This item is not eligible for refund, resale, or return. Available for sale within the United States only. Not available to residents of Puerto Rico, Hawaii, New Mexico, South Dakota, West Virginia and the US Virgin Islands.
May 2026: reimagined app experience
PayPal’s May 11, 2026 newsroom announcement described a reimagined Venmo app with tailored cashback offers, product suggestions, and spending-informed prompts. Those features were announced, but rollout details and availability by user were not specified in the sources reviewed. Treat them as announced, not guaranteed for your account.
Practical checks before you rely on these features
- Open the Venmo Debit Card page and confirm the current Stash rates, thresholds, and monthly cap.
- Read the exclusions before assuming a purchase earns a reward.
- Confirm the card is active in your account if you are outside the group the FAQ describes as eligible.
- Compare withdrawal fees for each cash-out method you plan to use.
- Treat company growth figures as Venmo’s or TechCrunch’s reporting, not as independent verification.
For primary sources, use the June 2025 Venmo announcement, the April 2026 Venmo announcement, and the May 2026 PayPal newsroom post.
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The Bottom Line
Venmo’s June 2025 changes made its debit card more usable for everyday spending, with tap-to-pay, automated reloads, and fee-free international purchases. The rewards that drew attention in 2025 were time-limited merchant offers, while the current structure is a tiered Stash program with a monthly cap. The Cash App comparison is a single reported quarter from 2025 and should be read that way.
Quick Recap
Product prices and availability are accurate as of the date/time indicated and are subject to change. Any price and availability information displayed on Amazon at the time of purchase will apply.
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