Venmo Credit Card vs Ethena Pay
Venmo Credit Card scores 10/16, Ethena Pay scores 10/16 on the CBL Card Score. Here is every criterion side by side.
 Venmo Credit Card |  Ethena Pay | |
|---|---|---|
| Custody | 1 of 2 | 2 of 2 |
| Issuer and licence | 2 of 2 | 1 of 2 |
| Availability | 0 of 2 | 0 of 2 |
| FX fee on a foreign-currency purchase | 2 of 2 | 1 of 2 |
| Funding cost | 0 of 2 | 1 of 2 |
| Apple Pay and Google Pay | 2 of 2 | 1 of 2 |
| Freeze and dispute policy | 2 of 2 | 2 of 2 |
| Yield on idle balance | 1 of 2 | 2 of 2 |
| Total | 10 | 10 |
The short verdict: Venmo Credit Card leads overall (10 to 10). Custodial; crypto held apart from PayPal Digital assets, no foreign transaction fee FX. Health: Watch. Check each profile for what still needs confirming before deciding.
Cashback, as of 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). |
| Ethena Pay | Paid in AVAX once daily after settlement, by monthly spend band. Standard 4% on the first $2,500, 1% to $4,000, nothing above. Pro 4.5% on the first $8,000, 2% to $10,000, 1% to $12,000, 0.5% above. VIP 5% on the first $20,000, 2% to $30,000, 1% to $40,000, 0.5% above. Minimum qualifying transaction $1; reversed on refunds or chargebacks (official, pricing page, updated 30 Sep 2026; FAQ). |
Cashback is shown as a dated fact and never scored.