Venmo Credit Card benefits

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

No annual fee

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

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.

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.

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.

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!

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.

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 back on payments made with your credit card—right to your Venmo account.

Visa Signature Card benefits

The Venmo Visa Signature® 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.

Travel and Emergency Assistance Services

Travel and Emergency Assistance Services are made available to help you in case of an emergency while you are traveling away from home. The Benefit Administrator can connect you with appropriate local emergency resources available, 24 hours a day, 365 days a year.

Please note that due to occasional issues such as distance, location, or time, neither the Benefit Administrator nor its service providers can be responsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.

To use services, call the toll-free Benefit Administration line at 800-992-6029. If you are outside the United States, call collect at 804-673-1675.

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

Visa Luxury Hotel Collection

Take advantage of Visa Luxury Hotel Collection benefits,7 including:

  • Best available rate guarantee
  • Room upgrade: upon arrival, you will be upgraded to the net highest room class for the duration of your stay, when available
  • USD $25 food/beverage credit
  • Continental breakfast daily
  • VIP Guest status
  • Complimentary in-room Wi-Fi, when available
  • 3 p.m. checkout upon request, when available

Golf benefits (Troon)

Enjoy 10% off at over 95 golf courses worldwide.8 Plus, complimentary Visa Signature Concierge9 assistance reserving tee times. Call your Visa Signature Concierge at (800) 953-7392.

Get on the road with these special offers from Avis® and Budget®

Book your next road trip with your Venmo Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio rental. Terms and Conditions apply. To learn more and book visit Avis and Budget.

Visa Concierge

Enjoy Visa Signature service 24 hours a day, 7 days a week by calling 800-953-7392. The Concierge can help you make reservations or bookings, or gift purchases.

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 Signature benefits.