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Venmo Credit Card Benefits

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More rewards on what you buy most

Earn cash back rewards1 based on your personal spending each month in these categories:

  • Transportation
  • Travel
  • Grocery
  • Entertainment
  • Dining & Nightlife
  • Bills & Utilities
  • Health & Beauty
  • Gas

Automatically earn up to 3% cash back on your top spend category, 2% on the next, and 1% on the rest — we’ll do the math.

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No annual fee

Get all of these features — and the benefits below — with no annual fee.2

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Track it all in the app

Keep tabs on your Venmo Credit Card activity in the app. View every purchase, split, reward and payment in one place.

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Accepted worldwide

Shop with your Venmo Credit Card everywhere Visa® credit cards are accepted, in more than 200 countries around the globe. Swipe, tap, or pay online for quick, contactless checkout.

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Your virtual card at your fingertips

Shopping is effortless with your virtual card. Pull up your card details in the app to shop online anytime — even before your physical card arrives. Was your card compromised? Simply reset your virtual card in the app and keep shopping.

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Use credit with friends

Split credit card purchases with Venmo friends, and pay or get paid back with Venmo. Apply payments from your Venmo friends to your Venmo account or directly to your credit card bill — it’s up to you!

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Made just for you

The unique QR code on your card gives you another way to settle up with Venmo friends. A quick scan of your QR code pulls up your Venmo profile to pay or get paid.

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Earn rewards on recurring payments

Consistently earn rewards when you use your credit card to set up recurring bill pay3 for your monthly expenses. Automatically earn up to 3% cash back1 on payments made with your credit card — right to your Venmo account.

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Visa Card benefits

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The Venmo Visa Credit Card issued by Synchrony Bank entitles you to a range of Visa benefits, including:

Cardholder Inquiry

24/7/365 cardholder support from anywhere in the world. For assistance at any time, contact:

Call toll-free from the US:
855-878-6462

From outside the US:
937-534-3654

Zero Liability Policy

We’ve got your back. With our Zero Liability Policy, you won’t be held responsible for unauthorized transactions made with your card or account information. You’re covered if your card is ever lost, stolen or fraudulently used. Notify Synchrony immediately of any unauthorized use:

Call toll-free from the US:
855-878-6462

From outside the US:
937-534-3654

Lost or Stolen Card Replacement

If your card has been lost or stolen, help is just a phone call away. With our 24/7 support, you can contact Synchrony at any time for assistance with blocking or having a replacement card shipped to you in the US or abroad.

Call toll-free from the US:
855-878-6462

From outside the US:
937-534-3654

Emergency Cash

In case of emergency, Visa can arrange for a wire cash transfer to be available at a location near you, usually within hours of approval by Synchrony.4 Some restrictions/limitations apply.

Call toll-free from the US:
800-847-2911

For a complete list of toll-free numbers from international countries, visit this link.

Roadside Dispatch®

Roadside Dispatch is a pay-for-use5 roadside assistance program. No membership or pre-enrollment is required. No annual dues. No limit on usage. You have the convenience of one toll-free number and may save money because rates are pre-negotiated. For roadside assistance, call 800-847-2869.

For a set price per service call, the program includes:

  • Standard towing, up to 5 miles included6
  • Tire change. Must have a good, inflated spare
  • Jumpstarting
  • Lockout service (no key replacement)
  • Fuel delivery up to 5 gallons (plus the cost of fuel)
  • Standard winching

Certain terms, conditions, and exclusions apply. Please refer to your guide to benefits for further details.

The benefits and services as further described in the Visa Guide to Benefits are provided solely by Visa. Venmo, PayPal and Synchrony Bank do not endorse, recommend, warrant or take responsibility for these offered benefits.

Click here to see the full list and learn more about your Visa benefits.

1Use of cash back is subject to the terms of your Venmo account. Review your Venmo Credit Card Rewards Program Terms for more information.

2See Terms and Rates for New Accounts.

3Visa may not be accepted by all service providers.

4Callers in certain countries dialing these numbers, including the collect number from mobile or hotel phones might be charged fees. Visa will not be responsible for any fees incurred. If you experience difficulties using any of the toll-free numbers, please call collect at 303-967-1096 (collect calls are places using the local operator). If you are hearing impaired and in the US, call 800-TDD-1213 (for Canada: 305-278-4285, and other countries: 512-865-2002).

5Current fee for a standard service call is $69.95. Customers must pay service provider mileage over five (5) miles. A secondary unit being towed behind is not included but can be accommodated for an additional fee. Standard winching applies within 100 feet of paved or county-maintained road only. Additional fees may apply for winching services under certain circumstances. Service call fees are subject to change at any time; however, callers will be notified of pricing prior to any service dispatch. This program may be discontinued at any time without prior notice. Program void where prohibited.

6Any vehicle with wheels is covered under program as long as it can be classified as “Light Duty.” “Light Duty” vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs. are considered “Medium Duty” or “Heavy Duty” and are NOT covered under this program.

Additional Terms: Service providers supplying emergency roadside assistance and towing are independent contractors and are not solely liable for their services. Neither Visa nor your financial institution shall have any responsibility or liability in connection with the rendering of the service. Emergency roadside assistance and towing may not be available in areas not regularly traveled, now in other “off road” areas not accessible by ordinary towing services. Weather conditions, time of day, and availability of service may affect assistance responses.

Expectations for dispatch are set with the customer on every call, and an expected estimated time of arrivals provided to the customer regardless of their location. However, neither Visa nor your financial institution provides any assurances as to the ability of the service provider to meet such estimates. You are responsible for any roadside assistance or towing charges incurred by facilities responding to your request, even if you are not with your vehicle or your vehicle is gone upon their arrival. 24-hour roadside assistance services provided by: Cross Country Motor Club, Inc. d/b/a Agero, a Massachusetts corporation, and Cross Country Motor Club of California, Inc., a California corporation.

The Venmo Visa Credit Card is issued by Synchrony Bank pursuant to a license from Visa USA Inc.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

VISA is a registered trademark of Visa International Service Association and used under license.

Venmo is a service of PayPal, Inc. (“PayPal”), a licensed provider of money transfer services. All money transmission is provided by PayPal pursuant to PayPal’s licenses. PayPal’s NMLS ID is # 910457.

GEORGIA: PayPal, Inc., is licensed by the Georgia Department of Banking and Finance, License # 34967.

MASSACHUSETTS: PayPal, Inc., holds Massachusetts Foreign Transmittal Agency License # FT3345.

NEW YORK: PayPal, Inc., is licensed as a Money Transmitter by the New York State Department of Financial Services.

PENNSYLVANIA: PayPal, Inc., is licensed to Transmit Money By Check, Draft or Money Order By The Department of Banking, Commonwealth of Pennsylvania.

RHODE ISLAND: PayPal, Inc., is a Rhode Island Licensed Seller of Checks and Money Transferor.

CONNECTICUT: PayPal, Inc. is Licensed by the State of Connecticut Department of Banking to perform Money Transmission, NMLS #910457, License Number MT-910457.