| Category | Rate | Type | Cap |
|---|---|---|---|
|
Groceries
This category is eligible for 3% cash back if it is your top spend category, or 2% if it is your second top spend category. All other purchases, including this category if not in the top two, earn 1% cash back.
|
3x | Cash Back | No cap |
|
Dining
This category (Dining & Nightlife) is eligible for 3% cash back if it is your top spend category, or 2% if it is your second top spend category. All other purchases, including this category if not in the top two, earn 1% cash back.
|
3x | Cash Back | No cap |
|
Travel
This category is eligible for 3% cash back if it is your top spend category, or 2% if it is your second top spend category. All other purchases, including this category if not in the top two, earn 1% cash back.
|
3x | Cash Back | No cap |
|
Gas
This category is eligible for 3% cash back if it is your top spend category, or 2% if it is your second top spend category. All other purchases, including this category if not in the top two, earn 1% cash back.
|
3x | Cash Back | No cap |
|
All Other Purchases
1% cash back on all eligible purchases not in your top two spend categories.
|
1x | Cash Back | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
No Annual Fee
The Venmo Visa Signature Credit Card carries no annual fee.
|
Financial |
$0
Up to $0
|
|
No Foreign Transaction Fees
No foreign transaction fees are charged on purchases made outside the United States; the card is accepted in more than 200 countries globally.
|
Financial |
$0
Up to $0
|
|
Troon Golf Discount and Silver Status
Cardmembers receive complimentary Silver status in the Troon Rewards program and 10% off at over 95 golf courses worldwide when booked on the Visa Signature Troon website using the card. Existing Troon members at Silver or higher are upgraded to the next membership level.
|
Lifestyle | 10% off golf + Troon Silver Status |
|
Visa Signature Concierge Service
24/7 Visa Signature Concierge service is available to help cardmembers make reservations, bookings, or gift purchases. Cardmembers are responsible for the cost of any goods, services, or arrangements made by the Concierge.
|
Lifestyle | Complimentary access |
|
24/7 Cardholder Support
Synchrony provides 24/7/365 cardholder support accessible from anywhere in the world by calling the toll-free number or an international number.
|
Other | Complimentary |
|
Contactless Tap-to-Pay
The card supports contactless chip-enabled tap-to-pay for fast and secure in-store transactions at contactless-enabled payment terminals.
|
Other | Complimentary |
|
Digital Wallet Compatibility
The card is compatible with Apple Pay, Google Pay, and Samsung Pay for contactless payments in stores, online, and in apps.
|
Other | Complimentary |
|
In-App Account Management
Cardmembers can view all purchases, splits, rewards, and payments in one place within the Venmo app, and manage all credit card activity alongside their Venmo account.
|
Other | Complimentary |
|
Personalized QR Code on Card
The physical card features the cardmember's unique Venmo QR code on the front, allowing friends to scan it to find the cardmember's Venmo profile for easy payment splitting.
|
Other | Complimentary |
|
Referral Reward Program
Cardmembers in good standing can earn a $50 referral reward added to their Venmo account for each approved referral, up to a maximum of 10 referrals ($500 total) per the referral program terms.
|
Other |
$50 per approved referral (up to $500 total)
Up to $50
|
|
Venmo Social Splitting
Cardmembers can split credit card purchases with Venmo friends directly from the Venmo app; payments received from friends can be applied to the Venmo balance or directly to the credit card bill.
|
Other | Complimentary |
|
1% Cash Back on All Other Eligible Purchases
Earn 1% cash back on all other eligible purchases not covered by the 3% or 2% auto-rotating categories, with no cap.
|
Rewards | 1% cash back |
|
2% Cash Back on Second-Highest Spend Category (Auto-Rotating)
Automatically earn 2% cash back on your second-highest eligible spend category each statement period, across the same eight eligible categories.
|
Rewards | 2% cash back |
|
3% Cash Back on Top Spend Category (Auto-Rotating)
Automatically earn 3% cash back on your highest eligible spend category each statement period — no opt-in required. Eligible categories include Transportation, Travel, Grocery, Entertainment, Dining & Nightlife, Bills & Utilities, Health & Beauty, and Gas.
|
Rewards | 3% cash back |
|
Cash Back Auto-Deposited to Venmo Account
Cash back rewards are automatically added to your Venmo account at the end of each statement period, with no redemption action required.
|
Rewards | Automatic deposit |
|
Cash Back to Crypto Conversion
Cardmembers can use their cash back rewards to automatically purchase cryptocurrency through Venmo with a 0% transaction fee when using the automatic purchase feature. Exchange rates and standard crypto risks apply.
|
Rewards | 0% fee on auto crypto purchases |
|
Rewards on Recurring Bill Payments
Earn up to 3% cash back when the card is used for recurring bill payments, based on spending category — rewards are earned automatically.
|
Rewards | Up to 3% cash back |
|
24/7 Lost or Stolen Card Replacement
If the card is lost or stolen, cardmembers can contact Synchrony at any time to block the card and have a replacement shipped to them in the U.S. or abroad.
|
Security | Complimentary |
|
Virtual Card Number with Instant Reset
Cardmembers can pull up virtual card details in the Venmo app for online shopping; if the virtual card is compromised, it can be instantly reset in the app without needing to replace the physical card.
|
Security | Complimentary |
|
Zero Liability Policy
Cardmembers are not held responsible for unauthorized transactions made with their card or account information if the card is lost, stolen, or fraudulently used. Synchrony must be notified promptly of any unauthorized use.
|
Security |
$0 liability
Up to $0
|
|
Avis and Budget Car Rental Discounts
Receive up to 25% off base rates on qualifying rentals from Avis and Budget when booked with the Venmo Visa Signature card. Also includes complimentary upgrades when available, waived Additional Driver Fee, and 10% savings on XM Satellite radio rental.
|
Travel | Up to 25% off rentals |
|
Emergency Cash Advance
In a travel emergency, Visa can arrange for a wire cash transfer to be available at a location near the cardmember, usually within hours of approval by Synchrony. Some restrictions and limitations apply.
|
Travel | Complimentary arrangement |
|
Roadside Dispatch
Visa Roadside Dispatch is a pay-per-use roadside assistance program with no membership or pre-enrollment required. A standard fee per service call ($79.95) covers towing up to 5 miles, tire change, jumpstart, lockout service, fuel delivery up to 5 gallons, and standard winching.
|
Travel | Pay-per-use ($79.95 per call) |
|
Travel and Emergency Assistance Services
Visa provides 24/7/365 travel and emergency assistance services to connect cardmembers with appropriate local emergency resources — including medical, legal, and transportation services — when traveling away from home. Cardmembers are responsible for any costs incurred.
|
Travel | Complimentary access |
|
Visa Luxury Hotel Collection
Access exclusive benefits at Visa Luxury Hotel Collection properties when booking through the Visa Signature Luxury Hotel Collection website or Visa Concierge, including best available rate guarantee, room upgrade upon arrival when available, $25 food/beverage credit, continental breakfast daily, VIP Guest status, complimentary in-room Wi-Fi, and 3 PM checkout upon request.
|
Travel |
$25 food/beverage credit + hotel perks
Up to $25
|
