THE CARDTUNED DATABASE
Venmo Visa Credit Card
Issuer: Synchrony · Network: Visa
3% on dining and entertainment; 3% eligible pay-with-Venmo purchases; 1% other purchases. Up to 4% on eligible dining/entertainment transactions split and repaid in Venmo within 30 days.
- Annual fee
- $0
- Foreign transaction fee
- $0
- Intro APR
- No public introductory APR listed; current rates are disclosed in the application terms.
- Regular APR
- 18.74%, 27.74% or 30.74% variable purchase APR, based on account type
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Earning rates
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| Category | Rate | Eligible purchases and conditions |
|---|---|---|
| Dining & Entertainment | 3% | on dining and entertainment |
| Eligible purchases | 3% | eligible pay-with-Venmo purchases |
| Other purchases | 1% | other purchases. Up to 4% on eligible dining/entertainment transactions split and repaid in Venmo within 30 days. |
Additional benefits
• Extra 1% on eligible splits repaid within 30 days
• Cash back deposited to the linked Venmo account
Restrictions to know
3% dining/entertainment and eligible pay-with-Venmo purchases; 1% other purchases. An extra 1% on qualifying split dining/entertainment transactions requires repayment in the app within 30 days. Eligibility, merchant coding and current reward terms apply.
Who can apply
Must be at least 18, reside in the U.S. or its territories, and have a Venmo account in good standing open for at least 30 days; subject to credit approval.
Credit profile: Issuer underwriting applies; no universal public score cutoff