Venmo Credit Card
Issued by Synchrony Bank
Earning Categories
Maximize Your Venmo Points
Program Overview
Venmo Credit Card (issued by Synchrony) earns cashback automatically assigned to your top spending category each statement period. The card earns 3% on your top spend category, 2% on the second, and 1% on everything else — with no manual category selection required. Cashback deposits directly into your Venmo account (not a bank account) and can be spent anywhere Venmo is accepted or transferred out. Best for: Venmo users who want automated category optimization without tracking or selecting categories.
Earning Tips
Venmo Credit Card (Synchrony): - 3% on your #1 spending category that month (auto-assigned) - 2% on your #2 spending category - 1% on all other purchases - Categories include: bills & utilities, food & drink, gas, groceries, health & beauty, transportation, travel No annual fee. Cashback goes to Venmo balance and can be used for P2P payments or transferred to a bank account. Drawback: you're limited to whatever your top category naturally is — no control over which category earns 3%.
Redemption Tips
Cashback deposits into your Venmo account automatically after each billing period. Spend it anywhere Venmo is accepted, send to friends, or transfer to a linked bank account. No minimum redemption. 1¢/point equivalent.
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Related guide: Venmo Credit Card: Get Up to 9% Cash Back for Your First 6 Months
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