PayPal / Synchrony · Visa
Venmo Credit Card
Venmo Users / Simplicity
No annual fee
Why people consider it
- 3x on Dining.
- 3x on Entertainment.
- 3x on Streaming.
Welcome offer
No welcome offer right now.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$677/year
for the sample household ($4,800/month) · points at typical value
- Full annual fee:
- none
- Major trade-offs:
- No sign-up bonus New structure applies to accounts opened on or after Oct 15, 2026; earlier accounts keep the 3%/2%/1% auto-categories for now
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Restaurants & food delivery (4% when you split the purchase on Venmo) — structure for accounts opened on or after 2026-10-15
Event tickets & entertainment
Streaming services
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on PayPal / Synchrony's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 3% on dining, food delivery, streaming and event tickets (4% when you split the bill on Venmo); 3% when you pay with Venmo
- + No annual fee
- + Manage entirely in Venmo app
- + Cash back into Venmo balance instantly
Cons
- - No sign-up bonus
- - New structure applies to accounts opened on or after Oct 15, 2026; earlier accounts keep the 3%/2%/1% auto-categories for now
- - Only useful if you use Venmo
- - Synchrony Bank — not a premium card experience
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.