Synchrony · Visa Signature · Personal
Venmo
A no-annual-fee card earning cash back: 3× on 1st Highest Spend Category, 1× on everything else.
- Annual fee
- $0No annual fee
- Signup bonus
- NoneNo signup bonus listed
- Top rate
- 3×1st Highest Spend Category
- Point value
- 1¢Cash back, a cent a point
Year one and year two
Is it worth it for you?
Tick the credits you’d really use and enter what you spend. The ledger adds up the bonus, your points and the credits, less the fee.
| Line | Year one | Year two |
|---|---|---|
| Signup bonus None listed | $0 | – |
| Cash back on your spend Enter your spending | $0 | $0 |
| Credits you’d use No statement credits listed | $0 | $0 |
| Annual fee No annual fee | $0 | $0 |
| NetYear one includes the bonus · at your inputs · our estimates* | $0 | $0 |
Earning structure
3 categories, 3 rates
| Icon | Category | Points per $1 | Worth per $100 (our estimate)* |
|---|---|---|---|
1st Highest Spend Category NotesCategories included: - Dining: eateries, bars, and nightclubs - Travel: Airlines, hotels, motels, resorts, steamships and cruise lines. May include B&Bs, resorts, cabins, cottages, hostels, timeshares, short-term property rentals less than 30 days in length, and local inns. - Utilities: Telecommunications, internet service providers, cable, electric or gas power, water supply, and refuse disposal or other utility services. - Health & Beauty: Drug stores, health clubs, tennis, golf and swimming clubs. - Grocery: Stores that sell food for home consumption, convenience, bakery and delicatessen stores, and wholesale clubs. - Gas Stations - Transportation: rental cars, taxicabs, ridesharing, limos, buses and trains, tolls, parking fees. - Entertainment: Movie theaters, theatrical and concert promoters, video rental and game stores, books and newsstands, amusement parks, music stores, and toy and hobby stores. | 3× | $3.00 | |
2nd Highest Spend Category NotesCategories included: - Dining: eateries, bars, and nightclubs - Travel: Airlines, hotels, motels, resorts, steamships and cruise lines. May include B&Bs, resorts, cabins, cottages, hostels, timeshares, short-term property rentals less than 30 days in length, and local inns. - Utilities: Telecommunications, internet service providers, cable, electric or gas power, water supply, and refuse disposal or other utility services. - Health & Beauty: Drug stores, health clubs, tennis, golf and swimming clubs. - Grocery: Stores that sell food for home consumption, convenience, bakery and delicatessen stores, and wholesale clubs. - Gas Stations - Transportation: rental cars, taxicabs, ridesharing, limos, buses and trains, tolls, parking fees. - Entertainment: Movie theaters, theatrical and concert promoters, video rental and game stores, books and newsstands, amusement parks, music stores, and toy and hobby stores. | 2× | $2.00 | |
| All Other | 1× | $1.00 |
The rest of the card
Details, rules and benefits
Card details
- Annual fee
- None
- Card type
- Personal
- Network
- Visa Signature
- Bank
- Synchrony
- Point system
- Cash back
- Foreign transaction fee
- None
- Transfer partners
- No
- Travel portal redemption
- No
- Cash to travel
- No
Alternatives
Head to head with similar cards
 Venmo |  Amazon Prime Store Card |  Cathay Pacific World Elite |  AAA Daily Advantage | |
|---|---|---|---|---|
| Annual fee | $0 | $0Same | $99+$99 | $0Same |
| Signup bonus | None | $10 | 38,000 pts | $100 |
| Top rate | 3×1st Highest Spend Category | 5×Amazon, Specified Store(s) | 3×Airfare (Portal) | 5×Groceries |
| Travel value * | –Cash back | –Cash back | 1.23¢Asia Miles | 1¢AAA Points |
| Why it’s here | This card | Also no annual fee | An annual fee within $100 | Also no annual fee |
You’ll automatically earn 3% cash back on your top spend category, 2% on the next, and 1% on all other eligible purchases with no monthly rewards limits.
* Point valuations are RICH with POINTS™ editorial estimates, averaged from published valuations by The Points Guy, Upgraded Points, and Frequent Miler. They are not issuer figures and do not represent guaranteed redemption value.
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