19
Benefits5
Reward Categories4x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Gas | 4x | Cash Back | Purchases at gas stations. This rate applies to the first $10,000 in combined annual spending on gas and grocery store purchases, then 1%. | $10,000 | |
| Groceries | 4x | Cash Back | Purchases at grocery stores. This rate applies to the first $10,000 in combined annual spending on gas and grocery store purchases, then 1%. | $10,000 | |
| Dining | 3x | Cash Back | Purchases at restaurants, cafes, and other dining establishments, including takeout. | No Cap | |
| Verizon Purchases | 2x | Cash Back | Purchases made directly from Verizon, including monthly bill payments, devices, and accessories. | No Cap | |
| All Other Purchases | 1x | Cash Back | All eligible purchases not falling into other bonus categories. | No Cap |
Rewards Summary
PENDINGReward Type: Cash Back
Base Rate: 1x
Bonus Rate: 4x
Categories: 4% on gas and grocery store purchases, 3% on dining purchases (including takeout), 2% on Verizon purchases
Quarterly Rotating: No
Expiration Policy: Verizon Dollars do not expire as long as your account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Redemption Penalties: Redemption limited to Verizon bill credits, device purchases, accessories, and other Verizon products/services.
Benefits & Protections (Detailed) 19 Total
PENDINGBill Management 1
Auto Pay Discount
Up to $10/month per lineReceive up to a $10/month discount per eligible account or line when enrolled in Auto Pay with the Verizon Visa Card.
Dining 1
Accelerated Rewards on Dining
3% backEarn 3% in Verizon Dollars on eligible dining purchases, including takeout.
Lifestyle 1
Visa Concierge
24/7 personal assistance24/7 personal assistant service for travel planning, dinner reservations, event tickets, and more.
Purchase Protection 2
Purchase Security
Up to $500 per claim, up to $50,000 per cardholder account per yearProtects eligible new purchases against theft or damage for the first 90 days from the date of purchase.
Extended Warranty Protection
Up to $10,000 per claim, up to $50,000 per cardholder account per yearExtends the manufacturer's original U.S. warranty by one additional year on eligible purchases with warranties of three years or less.
Rewards 1
Verizon Dollars Redemption
Redeemable for Verizon purchasesVerizon Dollars can be redeemed for Verizon purchases, including phones, accessories, and bill payments. Verizon Dollars expire 24 months after they are posted to your account.
Security 4
ID Navigator Powered by NortonLifeLock
Identity theft protection toolsProvides tools to help protect against identity theft, including dark web monitoring, data breach notifications, and restoration assistance.
Zero Liability Protection
No liability for unauthorized chargesProtects cardholders from unauthorized purchases made with their card or account information.
Emergency Card Replacement
Expedited replacementAssistance with expedited replacement of a lost or stolen card.
Emergency Cash Disbursement
Emergency cash accessProvides emergency cash if your card is lost or stolen.
Shopping 3
Accelerated Rewards on Gas & Groceries
4% backEarn 4% in Verizon Dollars on eligible gas and grocery store purchases.
Accelerated Rewards on Verizon Purchases
2% backEarn 2% in Verizon Dollars on eligible Verizon purchases.
Standard Rewards on All Other Purchases
1% backEarn 1% in Verizon Dollars on all other eligible purchases.
Travel 2
Annual TravelPass Days Credit
Two TravelPass days (up to $40 total value)Receive two TravelPass days per year, valued at up to $20 each, for use when traveling internationally.
Visa Luxury Hotel Collection
Exclusive hotel benefitsAccess to a curated collection of hotels with premium benefits like best available rate guarantee, automatic room upgrade (when available), complimentary in-room Wi-Fi, complimentary continental breakfast, $25 food or beverage credit, and late checkout (when available).
Travel Assistance 2
Travel and Emergency Assistance Services
Referral serviceProvides a referral service for medical and legal referrals, emergency transportation assistance, and pre-trip assistance while traveling. Cardholders are responsible for the cost of any services obtained.
Roadside Dispatch
Pay-per-use serviceA pay-per-use referral service for roadside assistance, including towing, tire changing, jump starting, lockout service, fuel delivery, and winching.
Travel Insurance 1
Auto Rental Collision Damage Waiver
Secondary coverage up to actual cash value of vehicleProvides secondary reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles when you pay for the entire rental transaction with your eligible Visa card and decline the rental company's collision damage waiver.
Welcome Offer 1
New Cardmember Bill Credit
$100 bill creditReceive a $100 credit applied to your Verizon bill after making two purchases within the first 90 days of account opening.
Benefits Summary (Flags)
PENDINGExtended 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
PENDING$100
Cash BackTiming: applied to your Verizon Wireless bill over 24 months ($4.17/mo)
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User 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 4% of the amount of each balance transfer, whichever is greater. |
| Cash Advance: | Either $10 or 4% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 29.24%
Cash Advance APR: 29.99%
Intro APR Offers
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: The Verizon Visa Card typically offers a welcome bonus (e.g., $100-$150 statement credit) after spending $500-$1000 within the first 90 days of account opening. Eligibility requires applicants to be existing Verizon Wireless customers with an account in good standing, enroll in Verizon Auto Pay and paperless billing to qualify for the $10/month auto-pay discount, be 18 years or older, a U.S. resident, and possess good to excellent credit (typically 670+ FICO score). Approval is subject to Synchrony's credit underwriting standards, which consider credit history, income, and existing credit obligations. The card's primary benefits are heavily tied to Verizon services and specific spending categories.
Max Cards Per Issuer: 5
Min Spend Interval: 3 months
Cliff Effect Rules: Synchrony does not typically enforce 'card family' bonus restrictions similar to Amex's once-per-lifetime rule or Chase's Sapphire family rules. However, the primary 'cliff effect' for the Verizon Visa Card relates to maintaining eligibility for its key benefits. Specifically, the $10/month auto-pay discount is contingent upon remaining a Verizon Wireless customer and enrolling in Auto Pay with the card and paperless billing. Failure to meet these conditions will result in the loss of that specific discount. There are no known restrictions preventing re-application for the card after a certain period, though welcome bonuses are generally one-time per account.
Special Events: While not a traditional 'store card,' the Verizon Visa Card's benefits are deeply integrated with Verizon's ecosystem. Special events often align with new Verizon device launches (e.g., new iPhone/Android models), promotional periods for Verizon services, or specific holiday sales offered by Verizon. Cardholders might see targeted offers during these times related to device upgrades or service add-ons.
Holiday Promos: Black Friday, Cyber Monday, End-of-Year Holiday Shopping Season (November-December), Back-to-School (July-August), and potentially Mother's Day/Father's Day periods for specific electronics or gift-related promotions.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Strong rewards on gas and groceries (4%), good for Verizon customers with auto-pay discount and Verizon Dollars, no annual fee, and a decent sign-up bonus.
Top Negative:
Rewards are limited to Verizon Dollars, which can only be redeemed for Verizon products/services. High APR if a balance is carried, and some users report customer service issues with Synchrony Bank.
Approval Experience: 70.0 / 100
Recommended Alternatives
- Chase Freedom Unlimited
- Citi Custom Cash
- Blue Cash Preferred Card from American Express
Card Value Score: 80.0 / 100
Est. Annual Rewards: $480.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0