Is the Venmo Credit Card worth a spot in your wallet?

The honest math on the Venmo Credit Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy.

Synchrony Bank · No annual fee · cash back

Earning rates

3x Highest-spend eligible category this billing cycle (auto-selected)
2x Second-highest spend eligible category this billing cycle
1x Everything else

Protections and perks (1)

No Foreign Transaction Fees — No surcharge on purchases made abroad.

Card data verified against Synchrony Bank on 2026-08-23.

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