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Synchrony Premier World Mastercard vs Venmo Credit Card

Both are Synchrony cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. Venmo Credit Card · Pay with Venmo 3.0% 3%
  2. Premier World Mastercard 2.0% 2% base rate
  3. Venmo Credit Card 1.0% 1% base rate

Dining

  1. Venmo Credit Card 3.0% 3%
  2. Premier World Mastercard 2.0% 2% base rate

Groceries

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gas

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Travel

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Online

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Drugstores

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Ground transportation

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Streaming

  1. Venmo Credit Card 3.0% 3%
  2. Premier World Mastercard 2.0% 2% base rate

Entertainment

  1. Venmo Credit Card 3.0% 3%
  2. Premier World Mastercard 2.0% 2% base rate

Wholesale clubs

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Amazon

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

PayPal

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Phone & internet

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Utilities

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Rent & mortgage

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Apple

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Department stores

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Electronics stores

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Furniture stores

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Clothing stores

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Sporting goods

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Home improvement

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Gyms

  1. Venmo Credit Card 3.0% 3%
  2. Premier World Mastercard 2.0% 2% base rate

Shipping

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

Advertising

  1. Premier World Mastercard 2.0% 2% base rate
  2. Venmo Credit Card 1.0% 1% base rate

What the numbers are doing

Where they differ: Venmo Credit Card takes everything else, dining, streaming and entertainment, plus 1 more; Premier World Mastercard takes groceries, gas, travel and online, plus 17 more.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseVenmo Credit Card · Pay with Venmo3.0%
DiningVenmo Credit Card3.0%
GroceriesPremier World Mastercard2.0%
GasPremier World Mastercard2.0%
TravelPremier World Mastercard2.0%
OnlinePremier World Mastercard2.0%
DrugstoresPremier World Mastercard2.0%
Ground transportationPremier World Mastercard2.0%
StreamingVenmo Credit Card3.0%
EntertainmentVenmo Credit Card3.0%
Wholesale clubsPremier World Mastercard2.0%
AmazonPremier World Mastercard2.0%
PayPalPremier World Mastercard2.0%
Phone & internetPremier World Mastercard2.0%
UtilitiesPremier World Mastercard2.0%
Rent & mortgagePremier World Mastercard2.0%
ApplePremier World Mastercard2.0%
Department storesPremier World Mastercard2.0%
Electronics storesPremier World Mastercard2.0%
Furniture storesPremier World Mastercard2.0%
Clothing storesPremier World Mastercard2.0%
Sporting goodsPremier World Mastercard2.0%
Home improvementPremier World Mastercard2.0%
GymsVenmo Credit Card3.0%
ShippingPremier World Mastercard2.0%
AdvertisingPremier World Mastercard2.0%

Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.

Every category, every card

Everything else

  1. Venmo Credit Card · Pay with Venmo — 3.0%
  2. Premier World Mastercard — 2.0%
  3. Venmo Credit Card — 1.0%

Dining

  1. Venmo Credit Card — 3.0%
  2. Premier World Mastercard — 2.0%

Groceries

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Gas

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Travel

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Online

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Drugstores

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Ground transportation

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Streaming

  1. Venmo Credit Card — 3.0%
  2. Premier World Mastercard — 2.0%

Entertainment

  1. Venmo Credit Card — 3.0%
  2. Premier World Mastercard — 2.0%

Wholesale clubs

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Amazon

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

PayPal

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Phone & internet

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Utilities

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Rent & mortgage

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Apple

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Department stores

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Electronics stores

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Furniture stores

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Clothing stores

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Sporting goods

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Home improvement

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Gyms

  1. Venmo Credit Card — 3.0%
  2. Premier World Mastercard — 2.0%

Shipping

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%

Advertising

  1. Premier World Mastercard — 2.0%
  2. Venmo Credit Card — 1.0%
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