Verizon Visa Card

Earning Rates

Key Benefits

All Benefits

• Welcome offer (applicants approved on/after 1/7/2026): $50 statement credit after first purchase within 90 days of account opening, plus an additional $100 statement credit after $1,500 in qualifying purchases within the first 90 days — $150 total in statement credits per the Verizon Visa Card terms on verizon.com (offer terms can change; verify on the apply page at apply time).
• $0 annual fee — no cost to hold the card year over year (per verizon.com/financial-services/verizon-visa-card/).
• 4% rewards on gas station purchases — earned as Verizon Dollars on every qualifying gas purchase, with no rotating categories and no advertised cap (per Verizon Visa Card rewards terms on verizon.com).
• 4% rewards on grocery store purchases — applies to standalone grocery merchants; some superstores and warehouse clubs may not code as grocery (Synchrony follows the merchant category code assigned by the payment network; verify at the merchant for borderline cases like Walmart, Target, Costco).
• 4% rewards on dining purchases — restaurants, fast food, bars, and food delivery merchants that code under the dining MCC (per Verizon Visa Card rewards terms on verizon.com).
• 4% rewards on Verizon store purchases excluding bill payment — accessory, device, and other Verizon retail purchases qualify at 4%, but Verizon wireless bill payment itself is explicitly excluded from the 4% tier (per Verizon Visa Card rewards terms).
• 1% rewards on all other purchases — flat-rate baseline on everything outside the 4% categories (per Verizon Visa Card rewards terms on verizon.com).
• 2% rewards on Verizon products as a separate ongoing benefit (per prompt request) — verify the current 2% tier on the issuer apply page; the verizon.com rewards terms documented on 2026-05-23 list only 4% (gas / grocery / dining / Verizon store ex-bill-pay) and 1% (all other), so this 2% tier may be retired or restated. Treat as needs-verification.
• Rewards earn in Verizon Dollars — Verizon's proprietary rewards currency tied to the Verizon Visa Card; 1 Verizon Dollar generally equals $1 (1:1) when applied to your Verizon mobile or Verizon Home Internet bill (verify the current 1:1 ratio and any redemption minimums in the My Verizon app at redemption time).
• Primary redemption: apply Verizon Dollars to your Verizon wireless or Verizon Home Internet monthly bill via the My Verizon app — this is the headline use case and the highest-value redemption for most cardholders.
• Secondary redemptions may include Verizon device purchases, accessories, and select gift cards or merchandise via the My Verizon rewards portal — verify the current redemption menu and per-option redemption ratios in the My Verizon app, as non-bill redemptions often carry worse than 1:1 value.
• Verizon Dollars are not redeemable for cash or cash equivalent — the rewards currency is locked to Verizon-side redemption surfaces (per Verizon Visa Card terms on verizon.com).
• Visa Signature card network tier — issued as a Verizon Visa Signature Card, which entitles cardholders to the Visa Signature baseline benefits set by the issuer at the network's discretion (per verizon.com product page title 'Verizon Visa Signature® Card').
• Issued by Synchrony Bank — applications and underwriting are handled by Synchrony, which generally has a more lenient approval model than Chase, Amex, Capital One, or Citi.
• Synchrony does not enforce Chase 5/24, Amex's rolling-12 new-card rules, Capital One's 1-in-6, or Citi's 8/65 family velocity caps — this card is a useful slot for churn-aware applicants who are locked out of major-issuer products.
• Auto Pay eligibility — paying your Verizon bill from the Verizon Visa Card counts as an eligible Auto Pay funding source (alongside ACH bank draft) for Verizon's myPlan Auto Pay monthly discount, so cardholders can satisfy the Auto Pay requirement on Verizon mobile plans without giving Verizon direct ACH access (per verizon.com plan disclosures referencing 'Auto Pay (ACH or Verizon Visa Card)').
• Variable Purchase APRs of 22.24%, 27.24%, or 33.24% depending on creditworthiness — typical Synchrony co-brand pricing; cardholders should pay statements in full each cycle to avoid the high APR erasing the 4% rewards (per verizon.com Verizon Visa Card Pricing & Terms).
• $2 minimum interest charge and variable Penalty APRs of 32.24% / 37.24% / 39.99% — standard Synchrony penalty pricing for late or returned payments (per Verizon Visa Card Pricing & Terms on verizon.com).
• Account management via the My Verizon app or Synchrony's MySynchrony portal — statements, autopay setup, payment due dates, FICO score updates (where available), and Verizon Dollars balance tracking.
• Mobile wallet support — Apple Pay, Google Pay, and Samsung Pay are supported on the Verizon Visa Card per standard Synchrony Visa issuance; contactless EMV tap-to-pay at the point-of-sale terminal is also supported.
• $0 fraud liability for unauthorized transactions reported promptly (Visa Zero Liability + Synchrony fraud monitoring on the cardholder account).
• Foreign transaction fee — verify the current FX fee on the verizon.com Pricing & Terms disclosure; Synchrony co-brands frequently carry a 3% FX assessment, so this card is generally a domestic-spend card rather than a travel card (treat as needs-verification before international use).
• Transfer partners: Not offered — Verizon Dollars cannot be transferred to airline or hotel programs; the currency is closed-loop to Verizon's own bill credit and redemption surfaces.
• Travel insurance (trip cancellation, trip interruption, baggage delay, lost luggage, travel accident): Not advertised as cardholder benefits on the Verizon Visa Signature Card (Synchrony does not list these on the verizon.com product page; only issuer-elected Visa Signature network defaults would apply, and Synchrony has not surfaced any).
• Auto rental collision damage waiver: Not advertised on the verizon.com Verizon Visa Card product page — do not rely on this card to decline rental counter CDW; pay with a card that explicitly advertises CDW coverage instead.
• Cell phone protection: Not offered on the Verizon Visa Card per verizon.com product page disclosures — ironic for a Verizon-branded card, but Synchrony does not advertise cell phone insurance as a cardholder benefit on this product (compare to Wells Fargo Active Cash or the BoA Customized Cash Rewards World Mastercard variants, which do).
• Lounge access, Global Entry / TSA PreCheck application credit, and complimentary hotel or airline status: Not offered — this is a $0 AF closed-loop cobranded card focused on Verizon bill rewards, not a travel card.