Bank of America Unlimited Cash Rewards credit card vs. Venmo Visa Signature Credit Card
On the criteria below, Venmo Visa Signature Credit Card wins 2 of 4. The verdict depends on which criteria matter to you.
Bank of America Unlimited Cash Rewards credit card
Bank of America
Venmo Visa Signature Credit Card
Synchrony
Venmo Visa Signature Credit Card wins 2 of 4 criteria here, making it the stronger all-rounder.
Bank of America Unlimited Cash Rewards credit card wins on first-year math; Venmo Visa Signature Credit Card wins on earning ceiling and foreign transactions.
Pick the Bank of America Unlimited Cash Rewards credit card if year-one math is your priority.
Who wins what
1 vs 2 (1 tie)- First-year math Bank of America Unlimited Cash Rewards credit card
Bank of America Unlimited Cash Rewards credit card wins on bonus value minus annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Venmo Visa Signature Credit Card
Venmo Visa Signature Credit Card earns more on its best category (3× vs 0×).
- Foreign transactions Venmo Visa Signature Credit Card
Venmo Visa Signature Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- $250
- —
- First-year net
- +$250
- +$0
- Peak earning rate
- —
- 3×
- Top categories
- —
- Second Top Spend Category, Top Spend Category
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- Yes
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Cashback
- Venmo Cash Rewards
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.