Verizon Visa Card
Basic Information
Program ID: verizon-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Premium
Data Complete: Yes
Created: 01/15/2026 11:36
Last Scraped: 01/15/2026 11:38
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Statement credits typically post to your account within 1-2 billing cycles after the spending requirement is met.
Rewards Program
Reward Type: Verizon Dollars
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Gas & Groceries, 3x Dining, 2x Verizon Purchases
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Verizon Dollars do not expire as long as your Verizon account is active and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: New cardholders for 2026 are projected to receive a statement credit (e.g., $100-$150) after meeting a specified spending threshold (e.g., $1,000-$1,500) within the first 90 days of account opening. Eligibility requirements include being 18 years or older (19 in AL/NE), a US resident with a valid SSN/ITIN, possessing good to excellent credit (typically FICO 670+), and crucially, maintaining an active Verizon Wireless account at the time of application and bonus fulfillment. Applicants must not have received a new cardholder bonus for the Verizon Visa Card within the past 24 months.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across Synchrony accounts relative to income, sudden uncharacteristic spending patterns (especially large purchases after inactivity), high credit utilization on Synchrony cards, opening too many Synchrony accounts in a short period (e.g., 3+ in 6 months), or repeated late payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.9 / 5.0
Top Positive Feedback:
Strong rewards on everyday spending categories (gas, groceries, dining) and Verizon purchases. No annual fee. Includes valuable travel benefits like TSA PreCheck/Global Entry credit. Excellent for loyal Verizon customers due to Verizon Dollar redemption.
Top Negative Feedback:
Rewards are limited to Verizon Dollars, which can only be redeemed for Verizon products and services, not cash back. High APR if a balance is carried. Some users report issues with Synchrony customer service. Approval can be challenging for those with lower credit scores.
Approval Experience Score: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Blue Cash Everyday Card from American Express
- Citi Custom Cash Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $457.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 48 months
Store vs Co-brand: 80% General / 20% Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2024-01-01
Last Updated: 01/01/2024 00:00