Venmo cc minimum score

IcyCool7227 · ‎03-11-2023

What is like the minimum credit score needed to get approved for the Venmo credit card by Synchrony? Is it better to wait to apply until my scores are in the 700s to get the lowest interest rate? I know Sync does not lower interest rates even when asked.

As of: 8/15/25:
EQ: 783 (prev. 798 on 1/10/25; 794 on 12/19/24; 781 on 9/20/24; 747 on 8/7/24; 781 on 7/1/24; 785 on 3/28/24. 778 on 2/6/24; 773 on 1/26/24; 750 on 1/7/24; 626 on 6/7/23 & 652 in April 2023) - FICO 8
EX: 766 (prev. 769 on 1/10/25; 767 on 10/26/24; 751 on 9/20/24; 729 on 8/7/24; 752 on 7/1/24; 761 on 755 on 2/6/24; 753 on 1/26/24; 732 on 1/7/24; 643 on 6/7/24; 619 in April 2023) - FICO 8
TU: 773 (prev. 768 on 1/10/25; 771 on 12/3/24; 756 on 9/6/24). - FICO 8.

Have:
- Amazon Prime Store Card: $10,000
- Amex Blue Cash Everyday (AU): $10,000
- Capital One Savor Cash Rewards: $3,600
- Chase Freedom Flex: $1,000
- Citi Custom Cash: $9,200
- Citi Double Cash: $8,000
- Citi Rewards +: $5,800
- Discover it Cashback: $2,500
- Kohl’s Charge: $3,000
- Mercury Rewards Visa: $4,390
- PayPal World Cashback MasterCard: $5,500

- Super Cash: Limit varies based on debit balance - doesn't show up in accounts anymore though on CRs.

GZG · ‎03-11-2023

@IcyCool7227 wrote:
What is like the minimum credit score needed to get approved for the Venmo credit card by Synchrony? Is it better to wait to apply until my scores are in the 700s to get the lowest interest rate? I know Sync does not lower interest rates even when asked.

it's across the spectrum, depends if Synch likes you or not

~$700 approvals from profiles like this: https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Venmo-Visa-approval-scores-are-low/m-p/661033...

lots of 2-15k approvals from prime customers as well

if your profile is substantially going to get better soon, I'd wait, otherwise, you won't get a HP unless approved pretty much

Starting FICO 8:

Current FICO 8:

JoeRockhead · ‎03-11-2023

If it's not something you just have to have I would wait until your scores pop up above at least 680, better if you can wait until above 700. As your scores go up, and profile ages more, your chances of a higher SL should go up as well. Just my 2¢

sznthescore · ‎03-11-2023

New applications arent being accepted. Did you receive an invite?

REBUILDER CARDS

Goal: FICO 700+

md_rebuild · ‎03-11-2023

I didn't get an invite, but use venmo and just applied. $11k CL. I haven't gotten back in with Synchorny since my BK7 (which had 1 of their cards in it). So I guess I'm back in with them.

Scores in my signature.

BK7: Discharged Sept 2019
7/7/24:

Zoostation1 · ‎03-11-2023

@sznthescore wrote:
New applications arent being accepted. Did you receive an invite?

Maybe not cold apps? Synchrony is trying to get me to apply still via email offers and the app.

Rebuild Started Nov 2021
June 2022 FICO 8:

June 2022 FICO 9:

June 2022 FICO 10:

June 2022 FICO 10T:

Dec 2025 FICO 8:

Dec 2025 FICO 9:

Dec 2025 FICO 10:

Oct 2025 FICO 10T: