Varo Visa® Debit Card

4.6 9.2/10 DebitCue Score Verified Jun 20, 2026

A fee-free Visa debit card with automatic cash back at thousands of merchants.

Fee: No fee
Foreign fee: None
Rewards: Cash back

Rewards

Up to 6% automatic cash back at 10,000+ partner merchants via Varo Perks program (opt-in per offer). Cashback is automatically deposited to your Varo Bank Account once you reach $5. Maximum cashback earnings capped at $750 per calendar month.

Our verdict

What stands out, and where it falls short.

What we like

Up to 6% automatic cash back at 10,000+ partner…
No card fee
No foreign transaction fees

Who It Is For

Whether the Varo Visa® Debit Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Foreign transaction fee: None
Monthly fee: $0
Foreign transaction fee: $0
Out-of-network / international ATM withdrawal: $3.50 per transaction
Cash back: Up to 6% at select Varo Perks partner merchants

Rewards and features

Rewards: Up to 6% automatic cash back at 10,000+ partner merchants via Varo Perks program (opt-in per offer). Cashback is automatically deposited to your Varo Bank Account once you reach $5. Maximum cashback earnings capped at $750 per calendar month.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
ATM network: 40,000+ fee-free Allpoint ATMs (Walgreens, CVS, Target)
FDIC insured: Up to $250,000 via Varo Bank, N.A.
Early direct deposit: Access payroll up to 2 days early

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees

No foreign transaction fees on card purchases internationally. Out-of-network and international ATM withdrawals cost $3.50.
Visa Zero Liability Protection

Varo Visa Debit Card is covered by Visa Zero Liability, protecting against unauthorized charges.
Save Your Change round-up

Automatically rounds up each debit purchase to the nearest dollar and transfers the difference to your Varo Savings Account.

Varo Visa® Debit Card: your questions answered

Does the Varo Visa® Debit Card have a card fee?

No - the Varo Visa® Debit Card has no card fee.

What rewards does the Varo Visa® Debit Card earn?

The Varo Visa® Debit Card earns Up to 6% automatic cash back at 10,000+ partner merchants via Varo Perks program (opt-in per offer). Cashback is automatically deposited to your Varo Bank Account once you reach $5. Maximum cashback earnings capped at $750 per calendar month..

Does the Varo Visa® Debit Card charge foreign transaction fees?

No - the Varo Visa® Debit Card has no foreign transaction fees, so it suits spending abroad.

Is the Varo Visa® Debit Card a credit, debit or prepaid card?

The Varo Visa® Debit Card is a debit card issued by Varo Bank on the Visa network.

Does the Varo Visa® Debit Card support Apple Pay and Google Pay?

Yes - the Varo Visa® Debit Card works with both Apple Pay and Google Pay.

Where can I get the Varo Visa® Debit Card?

The Varo Visa® Debit Card is currently offered in United States.

How does DebitCue rate the Varo Visa® Debit Card?

DebitCue rates the Varo Visa® Debit Card 4.6 out of 5 (9.2/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Varo Visa® Debit Card?

Use the Apply now button to continue on Varo Bank's secure site. Comparing and applying through DebitCue is free.