Is the AvantCard Credit Card worth the higher annual fee?

The AvantCard Credit Card costs $59/yr vs $0/yr for the Venmo Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the AvantCard Credit Card or Venmo Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AvantCard Credit Card or the Venmo Credit Card?

Choose the Venmo Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Is the AvantCard Credit Card worth the higher annual fee?

The AvantCard Credit Card costs $59/yr vs $0/yr for the Venmo Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the AvantCard Credit Card or Venmo Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AvantCard Credit Card or the Venmo Credit Card?

Choose the Venmo Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Is the AvantCard Credit Card worth the higher annual fee?

The AvantCard Credit Card costs $59/yr vs $0/yr for the Venmo Credit Card. The higher fee that can offset the cost for frequent travelers.

Which card earns more rewards, the AvantCard Credit Card or Venmo Credit Card?

Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.

Should I get the AvantCard Credit Card or the Venmo Credit Card?

Choose the Venmo Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

CardRewards

Editorial disclosure: CardRewards.ai is an independent comparison service. Our analysis is based on publicly available card data and is reviewed regularly by our editorial team. Card issuers do not influence our rankings or content. Last updated: May 2026.

AvantCard Credit Card vs Venmo Credit Card

The Venmo Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

AvantCard Credit Card

Webbank

No image

Venmo Credit Card

Synchrony

Fees & Welcome Offer

Annual Fee

$59

Welcome Bonus

—

Earn Rates

Category	AvantCard Credit Card	Venmo Credit Card
Dining	1X	3X
Entertainment	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Health Beauty	1X	3X
Top Spend Category	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation

+No annual fee
+Automatic 3% back on your top spending category each month
+Automatic 2% back on your second-highest category
+No category tracking or activation required
+Cash back deposits directly to Venmo balance

Cons

−$59 annual fee (may vary based on credit profile)
−High APR of 30.24%-35.99% makes carrying a balance expensive
No rewards or cash back on purchases

Category-by-Category Winner

The Venmo Credit Card wins in 10 of 10 categories. The AvantCard Credit Card leads in 0.

Top Spend Category

Venmo Credit Card earns 3X vs 1X

Dining

Venmo Credit Card earns 3X vs 1X

Entertainment

Venmo Credit Card earns 3X vs 1X

Gas Stations

Venmo Credit Card earns 3X vs 1X

Grocery Stores

Venmo Credit Card earns 3X vs 1X

Health Beauty

Venmo Credit Card earns 3X vs 1X

Transit

Venmo Credit Card earns 3X vs 1X

Travel

Venmo Credit Card earns 3X vs 1X

Utilities

Venmo Credit Card earns 3X vs 1X

The Bottom Line

The Venmo Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.

Choose the Venmo Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the AvantCard Credit Card worth the higher annual fee?: The AvantCard Credit Card costs $59/yr vs $0/yr for the Venmo Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the AvantCard Credit Card or Venmo Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AvantCard Credit Card or the Venmo Credit Card?: Choose the Venmo Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Explore More

AvantCard Credit Card — Full Review All Webbank Cards

Venmo Credit Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Webbank cards · Synchrony cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: May 2026.

AvantCard Credit Card vs Venmo Credit Card

The Venmo Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

AvantCard Credit Card

Webbank

No image

Venmo Credit Card

Synchrony

Fees & Welcome Offer

Annual Fee

$59

Welcome Bonus

—

Earn Rates

Category	AvantCard Credit Card	Venmo Credit Card
Dining	1X	3X
Entertainment	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Health Beauty	1X	3X
Top Spend Category	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation

+No annual fee
+Automatic 3% back on your top spending category each month
+Automatic 2% back on your second-highest category
+No category tracking or activation required
+Cash back deposits directly to Venmo balance

Cons

−$59 annual fee (may vary based on credit profile)
−High APR of 30.24%-35.99% makes carrying a balance expensive
No rewards or cash back on purchases

Category-by-Category Winner

The Venmo Credit Card wins in 10 of 10 categories. The AvantCard Credit Card leads in 0.

Top Spend Category

Venmo Credit Card earns 3X vs 1X

Dining

Venmo Credit Card earns 3X vs 1X

Entertainment

Venmo Credit Card earns 3X vs 1X

Gas Stations

Venmo Credit Card earns 3X vs 1X

Grocery Stores

Venmo Credit Card earns 3X vs 1X

Health Beauty

Venmo Credit Card earns 3X vs 1X

Transit

Venmo Credit Card earns 3X vs 1X

Travel

Venmo Credit Card earns 3X vs 1X

Utilities

Venmo Credit Card earns 3X vs 1X

The Bottom Line

The Venmo Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.

Choose the Venmo Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the AvantCard Credit Card worth the higher annual fee?: The AvantCard Credit Card costs $59/yr vs $0/yr for the Venmo Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the AvantCard Credit Card or Venmo Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AvantCard Credit Card or the Venmo Credit Card?: Choose the Venmo Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Explore More

AvantCard Credit Card — Full Review All Webbank Cards

Venmo Credit Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Webbank cards · Synchrony cards

AvantCard Credit Card vs Venmo Credit Card

The Venmo Credit Card ($0/yr) is better for everyday value, while the AvantCard Credit Card ($59/yr) is worth it for frequent travelers who can use its premium perks. Here's the full comparison.

No image

AvantCard Credit Card

Webbank

No image

Venmo Credit Card

Synchrony

Fees & Welcome Offer

Annual Fee

$59

Welcome Bonus

—

Earn Rates

Category	AvantCard Credit Card	Venmo Credit Card
Dining	1X	3X
Entertainment	1X	3X
Gas Stations	1X	3X
Grocery Stores	1X	3X
Health Beauty	1X	3X
Top Spend Category	1X

Benefits & Features

Network

MASTERCARD

VISA

Key Benefits

None

Pros & Cons

Pros

+Unsecured card with no security deposit required
+Reports to all three major credit bureaus (Experian, Equifax, TransUnion)
+Available to consumers with fair or limited credit
+Credit limits up to $1,000
+No cash advance feature helps prevent debt accumulation

+No annual fee
+Automatic 3% back on your top spending category each month
+Automatic 2% back on your second-highest category
+No category tracking or activation required
+Cash back deposits directly to Venmo balance

Cons

−$59 annual fee (may vary based on credit profile)
−High APR of 30.24%-35.99% makes carrying a balance expensive
No rewards or cash back on purchases

Category-by-Category Winner

The Venmo Credit Card wins in 10 of 10 categories. The AvantCard Credit Card leads in 0.

Top Spend Category

Venmo Credit Card earns 3X vs 1X

Dining

Venmo Credit Card earns 3X vs 1X

Entertainment

Venmo Credit Card earns 3X vs 1X

Gas Stations

Venmo Credit Card earns 3X vs 1X

Grocery Stores

Venmo Credit Card earns 3X vs 1X

Health Beauty

Venmo Credit Card earns 3X vs 1X

Transit

Venmo Credit Card earns 3X vs 1X

Travel

Venmo Credit Card earns 3X vs 1X

Utilities

Venmo Credit Card earns 3X vs 1X

The Bottom Line

The Venmo Credit Card has a lower annual fee ($0 vs $59), making it the more accessible option.

Choose the Venmo Credit Card if you want solid rewards with a lower cost of entry. Choose the AvantCard Credit Card if you travel frequently and can maximize its premium benefits.

Frequently Asked Questions

Is the AvantCard Credit Card worth the higher annual fee?: The AvantCard Credit Card costs $59/yr vs $0/yr for the Venmo Credit Card. The higher fee that can offset the cost for frequent travelers.
Which card earns more rewards, the AvantCard Credit Card or Venmo Credit Card?: Both cards earn 0X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
Should I get the AvantCard Credit Card or the Venmo Credit Card?: Choose the Venmo Credit Card if you want lower fees and solid rewards. Pick the AvantCard Credit Card if you spend enough to justify the $59/yr fee through its premium benefits and higher earn rates.

Explore More

AvantCard Credit Card — Full Review All Webbank Cards

Venmo Credit Card — Full Review All Synchrony Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Webbank cards · Synchrony cards

−3% foreign transaction fee

−$41 late payment fee

−3% foreign transaction fee
−Only 1% on all other spending outside top 2 categories
−No control over which categories earn bonus rates
−Cash back tied to Venmo ecosystem
−Limited eligible categories for 3%/2% bonuses

Second Spend Category

Venmo Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

The AvantCard Credit Card costs $59/yr — that's $59 more than the Venmo Credit Card (no annual fee). To justify that gap, you need to extract at least $59 in annual value from the card's higher earn rates and benefits.

Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Venmo Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

−3% foreign transaction fee

−$41 late payment fee

−3% foreign transaction fee
−Only 1% on all other spending outside top 2 categories
−No control over which categories earn bonus rates
−Cash back tied to Venmo ecosystem
−Limited eligible categories for 3%/2% bonuses

Second Spend Category

Venmo Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Venmo Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment

−3% foreign transaction fee

−$41 late payment fee

−3% foreign transaction fee
−Only 1% on all other spending outside top 2 categories
−No control over which categories earn bonus rates
−Cash back tied to Venmo ecosystem
−Limited eligible categories for 3%/2% bonuses

Second Spend Category

Venmo Credit Card earns 2X vs 1X

Is the Fee Difference Worth It?

Bottom line: The $59 difference is small enough that the AvantCard Credit Card's extra perks make it worth considering for most cardholders.

Which Card Is Right for You?

Get the Venmo Credit Card if you:

+Spend $300+/month on restaurants and dining out
+Do most of your spending at grocery stores
+Want strong rewards without a large annual fee commitment