Bitpanda Card vs Venmo Credit Card
Bitpanda Card scores 11/16, Venmo Credit Card scores 10/16 on the CBL Card Score. Here is every criterion side by side.
 Bitpanda Card |  Venmo Credit Card | |
|---|---|---|
| Custody | 1 of 2 | 1 of 2 |
| Issuer and licence | 2 of 2 | 2 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 2 of 2 |
| Funding cost | 1 of 2 | 0 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 2 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 1 of 2 |
| Total | 11 | 10 |
The short verdict: Bitpanda Card leads overall (11 to 10). Custodial; crypto segregated under MiCA, 0% from Bitpanda; Visa rate applies FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 20 Oct 2026
| Bitpanda Card | "All users receive a flat 1% cashback on eligible purchases paid with cryptocurrencies", paid in the same crypto (official, help centre FAQ, checked 20 Oct 2026). Purchases funded by EUR, precious metals, stocks or stablecoins (USDT, USDC, EUROCV) earn nothing (official). The card page metadata still reads "up to 2%", a leftover from the earlier BEST VIP scheme (official, checked 20 Oct 2026). |
| Venmo Credit Card | 3% on dining and entertainment, including streaming; an extra 1% when the purchase is split with a friend on Venmo within 30 days; 3% when checking out with Venmo online or paying a business or a person for goods and services on Venmo; 1% on everything else (official, venmo.com/about/creditcard/rewards, checked 20 Oct 2026). No caps stated. Cards approved after 24 Sep 2026 pay cash back daily; earlier cards pay 1 to 3 days after the statement end (official, help centre FAQ). Cash Back to Crypto buys the chosen asset automatically, with Bitcoin, Ethereum, Litecoin and Bitcoin Cash named on the card page and Solana and Chainlink listed in the crypto FAQ (official). |
Cashback is shown as a dated fact and never scored.