Venmo Visa Credit Card

Synchrony

Earning Structure

3%Bills & Utilities3%

3%Dining & Nightlife3%

3%Entertainment3%

3%Gas Stations3%

3%Grocery (including warehouse clubs)3%

3%Health & Beauty3%

3%Transportation (rideshare, taxis, rental cars)3%

3%Travel3%

1%All other purchases1%

Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.

Protections (3)

Purchase Protection — up to $10,000 — 90-day coverage for theft or damage on new purchases, up to $10,000 per claim, $50,000 annually (Visa Signature variant only)
Extended Warranty — up to $10,000 — Extends manufacturer warranty by up to 1 year on warranties of 3 years or less, up to $10,000 per claim (Visa Signature variant only)
Auto Rental Collision Damage Waiver (secondary) — Coverage for rental car damage when entire rental paid with card (Visa Signature variant only)

Automatic category tracking: top spending category earns 3%, second-highest earns 2% each billing cycle
Cash back to crypto conversion (Bitcoin, Ethereum, Bitcoin Cash, Litecoin) with no transaction fee
Virtual card number available instantly upon approval for online shopping
Apple Pay, Google Pay, Samsung Pay compatible
Up to 6 authorized users at no cost
Visa Signature benefits including concierge, Luxury Hotel Collection access, and Avis/Budget rental discounts