Our illustration, not the card’s design
Synchrony credit card
Verizon Visa Signature Card
No annual fee. Purchase APR 22.49–33.74%, variable. No foreign transaction fees.
Checked Nov 1, 2026Updated
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
- Credit asked
- Receipt · Credit askedChecked Nov 1, 2026
CFPB credit card survey · Reported to the CFPB, Dec 31, 2025
The source states this figure; we have no exact sentence on file yet.
Select an underlined figure to see where it comes from.
In dollars
What it’s worth
We can’t put a dollar value on this card: our sources don’t say what rewards it earns, or whether it earns any. Its fees and rates are below.
Against the market
How it compares
- No annual fee, like about 85% of the 711 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Benefits
- Visa Luxury Hotel Collection food or beverage credit: $25 other
- Complimentary Troon Rewards Silver status (Available to U.S.-issued Visa Signature credit card holders. Existing Troon Rewards members at Silver or higher are upgraded to the next level. An eligible U.S.-issued Visa Signature card is required for tee time reservations. Silver, Gold and Platinum levels receive 10%, 15% and 20% off golf fees reserved on the Visa Signature Troon website, and off merchandise purchased at golf properties with the Visa Signature card. Troon and Visa may modify or cancel the offer at any time without notice.)
- Travel and Emergency Assistance Services at no additional cost: 24-hour emergency referral and assistance while traveling away from home (medical, legal, transportation, lost ticket and luggage, prescriptions, translation, pre-trip information); cardholder pays for all actual services; Benefit Administrator 1-800-397-9010, or collect at 1-303-967-1093 outside the U.S.
- Visa Signature Rental Car Privileges: up to 25% off base rates on qualifying Avis and Budget rentals; complimentary upgrades when available; waived Additional Driver Fee; 10% savings on XM Satellite Radio during rental; terms and conditions apply.
- Visa Luxury Hotel Collection Best Available Rate Guarantee: if a lower publicly available room rate meeting stated conditions is found on another website within 24 hours of booking, the hotel will match it; claim must be submitted within 24 hours of booking; certain rates (e.g., prepaid non-refundable, auction/flash sale, reward, corporate/group, government, packaged rates) do not qualify.
All 8 benefits
- Visa Luxury Hotel Collection: automatic room upgrade upon arrival (subject to availability); complimentary in-room Wi-Fi if available; complimentary daily continental breakfast for cardholder and one guest; VIP guest status; late check-out up to 3 PM upon request, subject to availability.
- Visa Signature Concierge: complimentary 24/7 personal assistance for travel, dining, event tickets, gifts and floral delivery, and other lifestyle requests; most tasks completed within 24 to 48 hours; cardholder pays for all purchases arranged, which are between cardholder and merchant.
- Sofar Sounds: one free ticket per show with purchase of one or more tickets, and unlimited access to the exclusive 7-day advance presale window for select shows; offer terms apply.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 CFPB credit card survey · Reported to the CFPB, Dec 31, 2025 The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- None · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. · Reported to the CFPB, Dec 31, 2025, since Oct 4, 2026
- What is the purchase APR?
- 22.49–33.74% APR · Reported to the CFPB, Dec 31, 2025, since Sep 29, 2026