PayPal / Synchrony · Visa
Venmo Credit Card
28 / 100
Annual Fee
$0
Sign-Up Bonus
N/A
Base Rate
1x
on everything
Best For
Venmo Users / Simplicity
Reward Categories
top category
3x#1 spend category (auto-selected monthly)
second category
2x#2 spend category (auto-selected monthly)
Everything else1x
Point value: 0.01¢ each
Key Benefits
Venmo QR code on card(~$25/yr)
Crypto cash back option(~$25/yr)
Virtual card number(~$25/yr)
Pros & Cons
Pros
- + Auto-detects your top 2 spend categories
- + No annual fee
- + Manage entirely in Venmo app
- + Cash back into Venmo balance instantly
Cons
- - No sign-up bonus
- - Only useful if you use Venmo
- - Synchrony Bank — not a premium card experience
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Recommended credit score: 670+
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