Offer verified 2026-04-09Source: PayPal / Synchrony official terms
PayPal / Synchrony · Visa
Venmo Credit Card
28 / 100
Annual Fee
$0
Sign-Up Bonus
N/A
0Base Rate
1x
on everything
Best For
Venmo Users / Simplicity
Reward Categories
dining
3xAuto-selected from your top spending category
grocery
2xAuto-selected from your second spending category
Everything else1x
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
Rates and fees may vary.See current rates, fees, and terms on PayPal / Synchrony's site
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Recommended credit score: 670+
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