Cash Back card · Synchrony
Venmo Credit Card
Venmo Credit Card is the card that rewards the holder's top spending categories: 3% back in the top category each month, with no annual fee as of 2026. Annual fee: No annual fee (as of 2026).
Card facts
| Issuer | Synchrony |
|---|---|
| Network | Visa |
| Type | Cash Back |
| Annual fee | No annual fee (as of 2026) |
| Rewards | 3% cash back in the holder's top spending category each month, 2% cash back in the second-highest category, and 1% cash back on everything else. |
| Interest rate | Variable — the issuer's official page lists the current rate. |
Every fact above is taken from the sources listed below; anything no source states is left blank rather than guessed. Annual fees and rewards change — every figure on this page carries its year, and the issuer's official page is always the current one.
Rewards, in plain words
3% cash back in the holder's top spending category each month, 2% cash back in the second-highest category, and 1% cash back on everything else.
Who it is built for
Built for people whose spending changes month to month.
Current details — visit the official Venmo Credit Card page. Annual fees, rewards and interest rates change; the issuer's own page is always the current one.
More cards from Synchrony
Other cards from the same issuer in this library.
- Amazon Store Card · Retail · No annual fee (as of 2026)
- Dick's ScoreCard · Retail · No annual fee (as of 2026)
- Lowe's Advantage Card · Retail · No annual fee (as of 2026)
- PayPal Cashback Mastercard · Cash Back · No annual fee (as of 2026)
- PayPal Extras Mastercard · Cash Back · No annual fee (as of 2026)
- Sam's Club Mastercard · Retail · No annual fee (as of 2026)
More Cash Back cards
American Express Everyday Card
2 points per dollar at US supermarkets (up to $6,000 in purchases a year), and 1 point per dollar on everything else.
Apple Card
3% Daily Cash back at Apple and select merchants, 2% Daily Cash back on purchases made with Apple Pay, and 1% Daily Cash back on purchases made with the physical card.
Bank of America Customized Cash Rewards
3% cash back in a category the holder chooses (up to $2,500 in combined purchases a quarter), 2% cash back at grocery stores and wholesale clubs, and 1% cash back on everything else.
Bank of America Unlimited Cash Rewards
1.5% cash back on every purchase, with no spending limit on the flat rate.
Frequently asked questions
What is the Venmo Credit Card?
Venmo Credit Card is the card that rewards the holder's top spending categories: 3% back in the top category each month, with no annual fee as of 2026.
Does the Venmo Credit Card have an annual fee?
No — the card has no annual fee (No annual fee (as of 2026)).
What rewards does the Venmo Credit Card earn?
3% cash back in the holder's top spending category each month, 2% cash back in the second-highest category, and 1% cash back on everything else.
Who issues the Venmo Credit Card?
The Venmo Credit Card is issued by Synchrony and runs on the Visa network.
Sources
- https://venmo.com/credit-card — Venmo's card page
- https://www.synchrony.com/ — Issuer's site
Page last updated 14 November 2026.