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Synchrony Visa

Venmo Visa Signature Credit Card

The Venmo Visa Signature Credit Card sets its bonus categories from your own spending: each statement period the category where you spent the most earns 3% cash back, the second earns 2%, and everything else earns 1%, uncapped, with no annual fee and no foreign transaction fee. The catch is that everything routes through Venmo, since rewards transfer automatically to a linked Venmo balance and the Venmo account must stay open, linked, and in good standing or unredeemed rewards are forfeited. There is no welcome offer and no purchase or travel insurance on any issuer surface, so the case for the card is the self-adjusting 3% plus Visa Signature extras like the Luxury Hotel Collection and concierge access.

Apply at Synchrony Issuer terms

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Venmo Visa Signature Credit Card card art
  • Annual fee
    Free
  • Welcome offer
    No welcome offer currently advertised
    The public marketing page advertises no welcome offer for new cardholders as of July 2026. Community approval reports describe occasional targeted pre-approval offers sent inside the Venmo app, so a bonus can exist for individual users, but none is published on the open marketing surface.
  • Recommended credit
    660-840
    Median 700. See why →

Earning rates

on Venmo Cash Rewards
  • 3x
    Top Spend Category
    Auto-set from your top monthly spend
  • 2x
    Second Top Spend Category
    Second-highest category each month
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • Avis and Budget Rental Discounts
  • Roadside Dispatch
  • Silvercar Rental Discount
  • Travel and Emergency Assistance Services
  • Visa Luxury Hotel Collection

Lifestyle credits

  • Visa Signature Concierge

account-protection

  • Zero Liability Policy

rewards

  • Cash Back to Crypto Auto-Purchase
  • Unlimited Earning, Automatic Redemption

service

  • Instant Virtual Card on Approval
  • Personalized QR Code for Splitting

Elite status conferred

  • troon rewards
    Silver

Pricing and fees

Full Pricing and Terms
Purchase APR
18.74% to 30.74%
Foreign tx
None
Penalty APR (cap)
34.24%
Balance transfer
Not disclosed
Fee Not disclosed
Cash advance
30.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
$41 · $41

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Not disclosed
  • Reports AU to bureaus
    Conditional
    Authorized-user activity is reported to Experian and TransUnion only (not Equifax). Synchrony runs a large store / co-brand portfolio, so confirm per product when a Synchrony card is added.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of July 10, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.