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Friday, October 23, 2026 Independent since 2026. We are not a lender.

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Venmo Credit Card from Synchrony: annual fee, APR and rewards

Fact sheet for the Venmo Credit Card, issued by Synchrony, with no annual fee. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Synchrony
Network	Visa
Annual fee	$0
Rewards	No rewards
Purchase APR	The APR for purchases is the prime rate plus (i) 11.99% for Account Type 1, (ii) 20.99% for Account Type 2, or (iii) 23.99% for Account Type 3. As of January 1, 2026: APR 18.74%, 27.74% or 30.74%. These rates will vary with the market based on the Prime Rate.
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 24.99%, with a range of 18.74% to 31.24%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.

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Checked on October 16, 2026 on the issuer's official site. Terms change: confirm before you apply. venmo.com/about/creditcard · synchronybankterms.com/syfterms/pdf/Venmo_Visa_Signature… · synchronybankterms.com/syfterms/pdf/Venmo_Visa_Card_Acco…

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