Compare Cards: Venmo Credit Card vs. Citi Strata℠ Card vs. U.S. Bank Altitude® Go Visa Signature® Card

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Earning Rates	Venmo Credit Card Synchrony no-annual-fee Details	Citi Strata℠ Card Citi no-annual-fee Details	U.S. Bank Altitude® Go Visa Signature® Card U.S. Bank no-annual-feepremium Details
First-year value Welcome offer + annual credits − annual fee	+$0	+$340	+$275
Annual Fee	Waived	Waived	Waived
Credit Required	Good	Good	Good to Excellent
Foreign Fee	Waived	Waived	Waived
Welcome Offer	— No welcome bonus	20,000 pts Earn 20,000 bonus ThankYou Points after spending $1,000 in first 3 months from account opening Spend $1,000 in 3 mo	20,000 pts 20,000 bonus points after spending $1,000 in first 90 days Spend $1,000 in 3 mo
Network	visa	mastercard	visa
Earning Rates
All Other Purchases	—	2× After $6,000 cap on combined bonus categories, all purchases earn 1x	1× 1x point per $1 on all other purchases
All other purchases	1×	—	—
Dining	—	4× On first $6,000 per year, then 1x	—
Dining & Entertainment	3× 3% cash back; +1% (up to 4%) when you split the purchase in Venmo	—	—
Dining, Takeout, and Restaurant Delivery	—	—	4× 4x points on dining, takeout and restaurant delivery (first $2,000 per quarter)
Gas Stations	—	4× On first $6,000 per year, then 1x	—
Gas Stations and EV Charging	—	—	2× 2x points at gas stations and EV charging stations
Groceries	—	—	2× 2x points on grocery stores
Paying with Venmo (checkout, businesses, goods & services)	3×	—	—
Streaming	—	—	2× 2x points on streaming services
Supermarkets	—	4× On first $6,000 per year, then 1x	—
Benefits & Credits	—	Other Benefits ThankYou Points Combinations: Points combine with Citi Strata Premier and Citi Strata Elite for full redemption flexibility FICO Score Access: Free access to your FICO score	Annual Credits streaming credit $15 streaming credit - $15 statement credit for streaming subscriptions (activated quarterly) Other Benefits Cell phone protection: Up to $600 coverage for stolen/damaged cell phones when paying monthly bill
Insurance		Secondary Extended Warranty	Secondary Purchase Protection Extended Warranty