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Synchrony · Visa

Verizon Visa Signature® Credit Card

Credit Signature $100 Bonus No Foreign Fees
$0 Annual Fee
21.24%–29.24% Variable Purchase APR
100 Welcome Bonus
670+ Recommended FICO
Cash Back Reward Type
Browse Cards Synchrony Verizon Visa Signature® Credit Card

Welcome Bonus

$100
Welcome Bonus
Bonus Posted applied to your Verizon bill over 12 months

Rewards

Reward TypeCash Back
Base Rate1x / 1%
Bonus RateUp to 4x
Point Value~0.01¢ each
Travel Portal1x
ExpirationVerizon Dollars do not expire as long as your account is open and in good standing.
CategoryRateTypeCap
Gas
Purchases at eligible gas stations.
4x Cash Back No cap
Groceries
Purchases at eligible grocery stores.
4x Cash Back No cap
Dining
Purchases at eligible restaurants.
3x Cash Back No cap
All Other Purchases
All eligible purchases outside of bonus categories.
1x Cash Back No cap

Benefits & Protections

No Foreign Fees
Concierge Service
BenefitCategoryValue / Coverage
$100 Spend Bonus Statement Credit
Receive an additional $100 statement credit when you spend $1,500 using your card in the first 90 days of account opening. Limited-time offer.
Credits $100
Up to $100
$50 Welcome Statement Credit
Receive a $50 statement credit when you open an account and make a purchase within the first 90 days of account opening. Limited-time offer.
Credits $50
Up to $50
0% APR Financing on Verizon Device Purchases
Verizon wireless customers can get 0% APR financing with 36 equal monthly payments on select device purchases made with the Verizon Visa Card at Verizon.
Financial 0% APR over 36 months on select devices
Auto Pay Discount on Verizon Fios Service
New enrollees to Verizon's Auto Pay using the Verizon Visa Card can save $10 per month off each eligible Fios service.
Financial $10/mo per eligible Fios service
Auto Pay Discount on Verizon Wireless Bill
New enrollees to Verizon's Auto Pay using the Verizon Visa Card can save up to $10 per month off each eligible wireless phone line, up to 12 lines (savings amount depends on plan).
Financial Up to $10/mo per eligible line
No Annual Fee
The Verizon Visa Card carries no annual fee.
Financial $0
Up to $0
No Foreign Transaction Fees
No additional or surprise fees are charged on foreign transactions when the card is used outside the United States.
Financial $0
Up to $0
Account Management via My Verizon App
Cardmembers can manage their Verizon Visa Card account through the My Verizon app or Verizon's online portal.
Other Complimentary
Digital Wallet Compatibility
The card can be added to major digital wallets including Apple Pay, Google Pay, and Samsung Pay for contactless payments in stores, online, and in apps.
Other Complimentary
Pre-Qualification Tool
Eligible Verizon customers can check if they pre-qualify for the Verizon Visa Card online with no impact to their credit score before formally applying.
Other Complimentary
1% Rewards on All Other Purchases
Earn 1% in Verizon Dollars on all other purchases wherever Visa credit cards are accepted, with no cap.
Rewards 1% in Verizon Dollars
1% Rewards on Verizon Bill Payment
Earn 1% in Verizon Dollars when you pay your Verizon wireless or Fios account bill with the card.
Rewards 1% in Verizon Dollars
4% Rewards at Restaurants and Takeout
Earn 4% in Verizon Dollars on restaurant purchases including takeout and delivery with no cap on rewards earned.
Rewards 4% in Verizon Dollars
4% Rewards on Gas and EV Charging Stations
Earn 4% in Verizon Dollars on gas and electric vehicle charging station purchases with no cap on rewards earned.
Rewards 4% in Verizon Dollars
4% Rewards on Grocery Store Purchases
Earn 4% in Verizon Dollars on grocery store purchases with no cap on the amount of rewards that can be earned.
Rewards 4% in Verizon Dollars
4% Rewards on Verizon Purchases
Earn 4% in Verizon Dollars on Verizon purchases (excluding bill payment) with no cap on rewards earned.
Rewards 4% in Verizon Dollars
No Rewards Cap
There is no limit on the amount of Verizon Dollars that can be earned through card purchases.
Rewards Unlimited
Verizon Dollars Redemption — Lower Monthly Bill
Redeem Verizon Dollars as credits toward your monthly Verizon wireless or Fios bill.
Rewards Complimentary
Verizon Dollars Redemption — Verizon Devices and Accessories
Redeem Verizon Dollars toward new devices, smartwatches, headphones, phones, gaming gear, and accessories purchased at Verizon.
Rewards Complimentary

Interest Rates

Purchase APR21.24%–29.24% Variable
Balance Transfer APR21.24%
Cash Advance APR29.99%
Penalty APR29.99%
Min. Interest Charge$2

Fees

Annual Fee $0 — No Annual Fee
Foreign Transaction FeeNone
Balance Transfer FeeEither $10 or 4% of the amount of each balance transfer, whichever is greater
Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater
Late Payment FeeUp to $41
Returned Payment FeeUp to $41

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739
300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional
Approval DifficultyModerate
Credit ProfileGood
Approval OddsGood
Decision TimeInstant
Pre-QualificationNot available
Student EligibleNo
Co-ApplicantNot allowed
Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer
You can hold up to 3 cards from this issuer simultaneously.
Shutdown Risk Triggers
Manufactured spending (MS) or unusual spending patterns inconsistent with typical consumer behavior; high cumulative credit limit across Synchrony products, especially if not actively utilized; rapid application velocity or opening too many new accounts in a short period; defaulting on other Synchrony accounts or showing signs of financial distress; abuse of rewards programs or promotional offers.
Cliff Effect Rules
Not directly applicable. Synchrony does not typically have 'card families' with shared bonus eligibility rules like some major issuers (e.g., Chase 5/24, Amex family rules) for their co-branded cards. Eligibility for this card is independent of other Synchrony co-branded cards, though overall credit limits and application history with Synchrony will influence approval.
International Friendly
This card works well for international travel and transactions.
Additional Issuer Rules
Eligibility: Applicants must be an active Verizon Wireless customer. Requires good to excellent credit (typically FICO Score 670+). Synchrony is known for being sensitive to recent credit applications and inquiries, which can impact approval odds. Bonus Rule: Typically offers a statement credit (e.g., $100) after spending a specified amount (e.g., $500) within the first 90 days of account opening. This bonus is generally a one-time offer per lifetime for new cardmembers.
Military & Hardship
MLA Compliant
Complies with the Military Lending Act (36% APR cap for active duty servicemembers).
Hardship Program
Hardship program available.
Synchrony
$0
Annual Fee
Apply Now
You will be redirected to the issuer's secure website.

Welcome Bonus $100
APR 21.24%–29.24% Variable
Quick Summary
Annual Fee Free
RewardsCash Back
Welcome Bonus$100
Foreign FeesNone
Min. FICO670+
NetworkVisa
Card TypeCredit
Online
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