Synchrony Bank
Venmo Credit Card
Annual fee
$0
Rewards
Cash
Benefits
3 · $145/yr
Ranked in: #24 · Groceries
Earn Rates
| Category | Rate | True cash-back value |
|---|---|---|
| Dining | 3% | 3% |
| Groceries | 3% | 3% |
| Gas | 3% | 3% |
| Everything else | 1% | 1% |
True value converts point multipliers to dollars using MaxWorth point valuations. Issuer-portal-exclusive rates are excluded.
Protections (3)
Auto Rental Collision Damage Waiver
$75/yr
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.
Cell Phone Protection
$50/yr
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.
Lost Luggage Reimbursement
$20/yr
Reimbursement for lost or stolen luggage up to coverage limits when common carrier travel is purchased with the card. Visa Signature benefit.
Stop tracking this in a spreadsheet.
The MaxWorth app tracks all 3 Venmo Credit Card benefits automatically — redemption progress, reset dates and expiry alerts.