The Verizon Credit Card is a co-branded rewards credit card issued by Synchrony Bank for eligible Verizon wireless and Fios customers.
It allows users to earn Verizon Dollars on daily purchases and redeem them toward Verizon bills, devices, and accessories.
This article explains how the online application works, the card’s key fees and interest rates, and how to contact the bank.
Overview of the Verizon Visa® Card
The Verizon Visa Card is available only to account owners with at least one active service. Business and prepaid customers are not eligible.
The card has no annual fee and no foreign transaction fees, making it a cost-effective for customers who travel or spend internationally.
Rewards are earned as Verizon Dollars, which can be used for Verizon bills, upgrades, and accessory purchases.
Key rewards include:
- 4% on grocery store, gas/EV charging, and restaurant purchases
- 4% on Verizon purchases (excluding bill payments)
- 1% on Verizon Wireless or Fios bill payments
- 1% on all other purchases
Verizon also periodically offers a sign-up bonus (often up to $200 in credits when meeting spending requirements).
Eligibility Requirements
To apply, you must be an eligible Verizon wireless Account Owner or Account Manager, or a Verizon Fios Account Owner.
Having a valid U.S. residential address and meeting Synchrony Bank’s credit approval requirements is vital.
There is no publicly stated minimum credit score, but Synchrony typically approves applicants with good credit.
How the Online Application Works
Because the card is integrated with your Verizon account, most applicants apply through My Verizon rather than a traditional bank portal.
If you are not yet a Verizon customer, you must first create an eligible Verizon account before applying.
Process
Sign in to My Verizon using the app or official website. Navigate to Products & perks → Banking and Cards → Verizon Visa Card.
Select “See if you prequalify” (a soft credit check) or go directly to “Apply now.”
Complete the application form with personal details, including Social Security number, income, and housing status.
After You Apply
Most applicants receive an instant decision. If approved, the card is automatically added to your Verizon profile for eligible purchases.
You can use the virtual card for Verizon transactions even before the physical card arrives.
If Synchrony needs more time to review your application, you will receive a decision letter by mail. You can also restart the application.
Interest Rates, Fees, and Costs
The Verizon Visa® Card currently lists the following rates and fees (these may change, so always review the current cardmember agreement):
- Purchase APR: 27.74% variable
- Balance Transfer APR: 27.74% variable
- Cash Advance APR: 31.99% variable
- Penalty APR: 37.74% variable (can remain indefinitely)
- Minimum Interest Charge: $2
- Balance Transfer Fee: $5 or 5% of the amount (whichever is greater)
- Cash Advance Fee: $10 or 5% of the amount (whichever is greater)
- Foreign Transaction Fee: $0
- Late Payment Fee: Up to $41
- Returned Payment Fee: Up to $41
- Paper Statement Fee: $1.99 per month
These rates show why it is important to pay your balance in full whenever possible. High APRs can quickly outweigh any rewards earned.
Managing Your Verizon Credit Card Online
After approval, your account is serviced through Synchrony Bank’s online platform and the Verizon Visa Card app.
You can view statement balances and transactions, set up Autopay, track and redeem Verizon Dollars, and apply rewards to your Verizon bill or purchases.
Verizon handles rewards redemption, while Synchrony manages transactions, billing, and regulatory disclosures.
Customer Service and Mailing Addresses
Verizon Visa Card Customer Service:
1-866-313-9396
For questions about applications, payments, billing, or account issues.
Payment Mailing Address
For check or money-order payments only:
Verizon Visa
PO Box 530916
Atlanta, GA 30353-0916
General Correspondence Address (Synchrony Bank)
Synchrony Bank
PO Box 71724
Philadelphia, PA 19176-1724
Comparison: Verizon Credit Card Versions
Here’s a comparison of the personal-use Verizon Visa Card and the small business card Verizon Business Mastercard.
| Feature / Attribute | Verizon Visa Card (Personal) | Verizon Business Mastercard (Small Business) |
|---|---|---|
| Issuer / Card Network | Issued by Synchrony Bank — Visa network | Issued by First National Bank of Omaha (FNBO) — Mastercard network |
| Intended Cardholder / Account Type | Personal users: must be a Verizon wireless account owner/manager (with up to ~12 lines) or a Verizon Fios account owner with at least one active service. Business or prepaid accounts are not eligible. | Small business customers of Verizon Wireless: must have a My Business account or be an account manager / admin for a business wireless account (with fewer than 100 lines, per Verizon’s rules for small business) |
| Rewards Program / “Cash Back” (Verizon Dollars / Business Dollars) | – 4% on grocery, gas/EV charging, and restaurants (take-out/delivery) – 4% on Verizon purchases (excluding bill payments) – 1% on Verizon wireless or Fios bill payments – 1% on all other purchases. |
– 5% back in “Verizon Business Dollars” on Verizon purchases in first billing cycle after activation (devices, wireless bills, etc.) – 3% back on Verizon purchases after the first cycle – 2% back on eligible gas, EV charging, and office supplies – 1% back on all other purchases made where Mastercard is accepted. No cap on dollars earned. |
| Redemption of Rewards | Verizon Dollars can be redeemed toward Verizon bills, devices, accessories. Also automatically applied as preferred payment for Verizon purchases. | Business Dollars can be redeemed toward business Verizon wireless bills, devices for business, or accessories — via Verizon’s business portal, over the phone or in store. |
| Eligibility Restrictions | – Not available to Verizon Business accounts or prepaid accounts. – Requires a U.S. address and credit approval by Synchrony. |
– Must be a Verizon Wireless Small Business customer (business account), with My Business portal set up. |
| Use Case / Typical Users | Individuals or families who use Verizon wireless or Fios, want to earn rewards on everyday personal spending (gas, groceries, dining) and apply those savings to their Verizon bills. | Small business owners / self-employed / companies using Verizon for business wireless who want a business-grade credit card — track business expenses, gain rewards on business purchases, pay for devices/bills via Business Dollars. |
| Special Features / Perks | 0%-financing on eligible Verizon accessory purchases (for Verizon wireless customers) when using Verizon Visa Card. Discounts (e.g. autopay) for Verizon wireless / Fios when card is used. | Business-oriented perks: ability to consolidate purchases for employees/authorized users, track business expenses, potential business-credit-building benefits, and use of rewards toward business Verizon services or hardware. |
Conclusion: Should You Apply Online?
The Verizon Credit Card online application is simple, fast, and convenient for existing Verizon customers who want to maximize rewards.
You can prequalify without affecting your credit score, complete the application within minutes, and start using the virtual card immediately.
Overall, the Verizon Visa Card is a solid option for loyal Verizon users seeking rewards that directly offset their wireless or Fios expenses.
Disclaimer: This article is for educational purposes only and should not be taken as financial advice. Rates, fees, eligibility requirements, promotions, and contact information may change at any time; always check Verizon’s official Verizon Visa® Card page and Synchrony Bank’s most recent cardmember agreement for the latest details.
