Venmo Credit Card
No annual fee, earning Cash, on the Visa network.
Card terms last verified against issuer pages on 2026-09-20.
The Venmo Credit Card is a no annual fee card from Synchrony Bank earning Cash. It earns 3x on dining, 3x on grocery, 3x on gas and 1x on everything else. We have no recurring statement credits on file for this card.
What it earns
Rates are the multipliers Synchrony Bank advertises. We do not convert them into a percentage return, because that requires putting a price on Cash and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Dining | 3x | |
| Grocery | 3x | |
| Gas | 3x | |
| Other | 1x | Everything else |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Cell Phone Protection — Up to $800 per claim for damage or theft of your cell phone when you pay your monthly cell phone bill with the card. $25 deductible per claim. Up to 2 claims per 12-month period.
- Auto Rental Collision Damage Waiver — Secondary auto rental collision damage waiver coverage when you decline the rental company's CDW and charge the full rental cost to the card. Visa Signature benefit.
- Lost Luggage Reimbursement — Reimbursement for lost or stolen luggage up to coverage limits when common carrier travel is purchased with the card. Visa Signature benefit.
Questions people ask about the Venmo Credit Card
What is the annual fee on the Venmo Credit Card?
The Venmo Credit Card has no annual fee.
What does the Venmo Credit Card earn?
3x on dining, 3x on grocery, 3x on gas, 1x on other, and 1x on everything else, in Cash.
Does the Venmo Credit Card charge foreign transaction fees?
Yes — the Venmo Credit Card charges a foreign transaction fee on purchases made outside the United States.
