Synchrony Bank · Visa
Venmo Credit Card
No annual fee · 1% on everything else · no foreign transaction fees
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Category of your choice (you pick) | 3% | uncapped |
| Category of your choice (you pick) | 2% | uncapped |
| Everything else | 1% | uncapped |
Non-cash perks
- No foreign transaction fees
- Cash back deposited to your Venmo balance 1-3 days after each statement closes; no minimum, never expires
- Optional Cash Back to Crypto: auto-buys crypto with each month's cash back with no crypto transaction fee (spread still applies)
- Personal Venmo QR code printed on the card for splitting purchases with friends
- Virtual card number available in the Venmo app immediately on approval
- Visa Signature benefits (zero liability, roadside dispatch, travel and emergency assistance, concierge)
- Must have a Venmo account open at least 30 days and in good standing to apply; apply only through the Venmo app
Does the fee earn out? · how we got this
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Synchrony Bank
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-09-03 against issuer terms · sources: venmo.com · venmo.com · help.venmo.com. Spot an error? Tell us.