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Venmo Visa® Signature Credit Card
Synchrony

Venmo Visa® Signature Credit Card

A no-annual-fee cash back card from Synchrony.

Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
Good to Excellent (670+)
Network
Visa
Foreign transaction fee
None
Apply on Synchrony site6.5/10Our rating · review ›

Rates, fees, and full terms are set by Synchrony and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.

Before you apply: credit card application and welcome-bonus rules →
Offer last verified July 24, 2026. How we verify.

Is this card right for you?

✓ Best for

people who spend heavily on groceries and dining.

⚠ Think twice if

your spending is spread evenly, where a flat-rate card would likely earn you more.

Earning rates

3% cash back on your top eligible spend category each month
2% cash back on your next-highest category
1% cash back on all other purchases
Cash back is deposited to your Venmo balance

Best ways to earn & redeem

Put your groceries and dining spending on this card to earn at its highest rates, and let a different card handle the categories it does not bonus.

When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.

Features & benefits

Categories update automatically based on your spending, with no activation
No annual fee and no foreign transaction fees

Alternatives to the Venmo Visa® Signature Credit Card

Pairs well with

The Venmo Visa® Signature Credit Card earns the most in its bonus categories, so pair it with a no-fee flat-rate card to cover everything it only earns a base rate on.

How does it rank for your spending?

Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Venmo Visa® Signature Credit Card lands.

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