Venmo Credit Card

Synchrony Visa Pending

Back Apply Now

12

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From

Basic Information

PENDING

Program ID: venmo-credit-card

Issuer: Synchrony

Card Name: Venmo Credit Card

Card Type: Credit

Network: Visa

Card Tier:

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 11:34

Last Scraped: Feb 07, 2026 05:59

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories

PENDING

Category	Rate	Type	Description	Annual Cap
Top Spend Category	3x	Cash Back	Automatically determined by where you spend the most each month from eligible categories: Groceries, Bills & Utilities, Health & Beauty, Gas, Entertainment, Dining & Nightlife, Transportation, Travel.	No Cap
Second Top Spend Category	2x	Cash Back	Automatically determined by where you spend the second most each month from eligible categories: Groceries, Bills & Utilities, Health & Beauty, Gas, Entertainment, Dining & Nightlife, Transportation, Travel.	No Cap
All Other Purchases	1x	Cash Back	All other eligible purchases not falling into the top two spend categories.	No Cap

Rewards Summary

PENDING

Reward Type: Cash Back

Base Rate: 1x

Bonus Rate: 3x

Categories: 3% cash back on your top eligible spend category, 2% cash back on your second top eligible spend category, and 1% cash back on all other eligible purchases. Categories are determined by your spending each billing cycle.

Quarterly Rotating: No

Cap Amount: $10,000.00

Expiration Policy: Cash back rewards do not expire as long as your account is open and in good standing.

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Redemption Penalties: Minimum redemption amount of $0.01 to your Venmo account.

Benefits & Protections (Detailed) 12 Total

PENDING

Financial 1

No Annual Fee

There is no annual fee to carry the Venmo Credit Card.

Lifestyle 1

Personalized Card with QR Code

Unique personalization and payment feature

The physical card features a unique QR code that can be scanned by friends to send or request money on Venmo.

Rewards 4

3% Cash Back on Top Spend Category

3% cash back

Earn 3% cash back on eligible purchases in your top spending category each month. Categories include Dining & Nightlife, Travel, Health & Beauty, Groceries, Gas, Entertainment, Bills & Utilities, and Home & Auto.

2% Cash Back on Second Top Spend Category

2% cash back

Earn 2% cash back on eligible purchases in your second top spending category each month. Categories include Dining & Nightlife, Travel, Health & Beauty, Groceries, Gas, Entertainment, Bills & Utilities, and Home & Auto.

1% Cash Back on All Other Eligible Purchases

1% cash back

Earn 1% cash back on all other eligible purchases that do not fall into your top two spending categories.

Automatic Cash Back Redemption

Automatic redemption

Cash back earned is automatically added to your Venmo account balance.

Security 4

Virtual Card Number

Enhanced online security

Access a virtual card number in the Venmo app for secure online purchases, protecting your physical card number.

In-App Card Management

Convenient control

Manage your credit card directly within the Venmo app, including freezing/unfreezing your card, tracking purchases, and making payments.

Visa Zero Liability Protection

Protection against unauthorized charges

Protects cardholders from unauthorized purchases made with their Venmo Credit Card. You are not responsible for unauthorized charges.

Fraud Protection

Fraud monitoring and protection

The card includes fraud protection measures to safeguard your account from suspicious activity.

Shopping 2

Contactless Payment Capability

Convenient payment method

Make quick and secure payments by tapping your card at compatible terminals.

Worldwide Visa Acceptance

Broad acceptance

The Venmo Credit Card is accepted at millions of locations worldwide where Visa credit cards are accepted.

Benefits Summary (Flags)

PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Sign-Up Bonus

No Sign-Up Bonus Available

Click "Get Data" button below to fetch sign-up bonus information.

Fee Structure

PENDING

Annual Fee:	$0.00
Year 1 Waived:	No
Effective Annual Fee:	$0.00
Penalty APR:	29.99%
Min Interest Charge:	$2.00

Additional Fees

PENDING

Late Fee:	$41.00
Returned Payment:	$41.00
Balance Transfer:	Either $10 or 3% of the amount of each balance transfer, whichever is greater.
Cash Advance:	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction:	0.00%

Interest Rates & APR

PENDING

Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 21.24%

Cash Advance APR: 29.99%

Intro APR Offers

Approval Criteria & Requirements

PENDING

Credit Score Requirements

Recommended FICO Score

670 - 739

Approval Odds

Good

Soft Pull Support

Not specified

Application Process

Prequalification

Not specified

Preapproval

Not specified

Credit Bureau

Not specified

Issuer Rules & Policies

PENDING

Rules: The Venmo Credit Card offers dynamic cash back rewards: 3% on your top eligible spend category, 2% on your second top eligible spend category, and 1% on all other eligible purchases, with cash back automatically added to your Venmo account. There is no traditional sign-up bonus with a minimum spend requirement. Eligibility requirements for 2026 are projected to include: being an active Venmo user, 18 years or older (19 in AL/NE), a US resident, possessing a fair to good credit history, and meeting Synchrony's internal credit underwriting standards. Synchrony may also consider the number of recently opened accounts and total credit exposure with the issuer. Store-specific restrictions apply to how rewards categories are determined, meaning certain merchant categories or transaction types may be excluded from higher reward tiers.

Max Cards Per Issuer: 5

Min Spend Interval: Not applicable; no traditional sign-up bonus

Shutdown Risk Triggers: Manufactured spending, abuse of rewards categories (e.g., attempting to manipulate Merchant Category Codes for higher rewards), high cumulative credit limit across all Synchrony accounts, excessive credit seeking, late payments, defaulting on any Synchrony account, or suspicious activity detected on the linked Venmo account.

Cliff Effect Rules: Synchrony does not typically have 'card family' restrictions on sign-up bonuses like some other issuers. However, your overall credit exposure and number of accounts with Synchrony Bank can impact approval for new cards or lead to credit limit reductions on existing accounts if deemed excessive.

Special Events: Not applicable; this is a general-purpose Visa credit card, not a store-specific card.

Holiday Promos: Not applicable; rewards are dynamic and year-round, not tied to specific holiday promotions.

International Friendly: Yes

User Analytics & Insights

PENDING

User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Flexible cash back rewards that automatically adjust to your top spending categories, no annual fee, seamless integration with the Venmo app for tracking and splitting purchases, and a modern card design.

Top Negative:
Customer service from Synchrony Bank can be inconsistent, high APR if balances are carried, some users report difficulty with credit limit increases, and category definitions can occasionally be ambiguous.

Approval Experience: 75.0 / 100

Recommended Alternatives

Citi Custom Cash Card
Chase Freedom Flex
Capital One SavorOne Cash Rewards Credit Card

Card Value Score: 78.0 / 100

Est. Annual Rewards: $345.00

Approval Probability: 75.0%

Version Control

PENDING

Version ID: v2024.03