Venmo
Estimated value: 1.0¢ per points
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.
Best next action
Understand how Venmo fits your rewards plan.
Use the program facts below to decide whether to earn, transfer, or simply keep this program on your shortlist.
Cards in This Program
1.0¢
per points (baseline)
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.
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%.