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By: Mitch Strohm, @MitchStrohm

Updated: August 1, 2018

Editor’s analysis on the best Visa credit cards

Chase Freedom Unlimited

This card ranks among the best rewards cards available. It offers generous rewards and a decent sign-up bonus.


  • Earn an unlimited 1.5 percent cash back on every purchase.
  • Earn a $150 bonus after you spend $500 on purchases in your first three months from account opening.
  • Cardholders can redeem rewards for cash in any amount at any time. Rewards don’t expire as long as your account remains open.

Who should get this card
This card is a good choice for anyone who wants a straightforward rewards program. It’s also useful for anyone who already owns a Chase rewards card, since Chase Ultimate Rewards can be transferred between cards.

It comes with a 0 percent, 15-month introductory APR on purchases and balance transfers, making it a good option for someone trying to pay down high-interest debt. After the initial intro period, the card has a variable APR of 16.74 to 25.49 percent.

Its cashback rate, while good, isn’t the highest flat-rate available. This card also has no bonus categories, a downside if you spend frequently in one area where you want to maximize rewards.

Read the full Chase Freedom Unlimited card review.

Chase Sapphire Preferred

This card’s generous rewards, stellar sign-up bonus and low annual fee are hard to beat. It’s a solid card for people scared off by the Sapphire Reserve’s big annual fee.


  • Earn two points per dollar on travel and restaurants worldwide and one point per dollar on all other purchases.
  • Earn 50,000 points after spending $4,000 within the first three months of opening the account. That’s $625 toward travel when redeemed through the Chase Ultimate Rewards program.
  • Earn 5,000 points when you add an authorized user within the first three months of opening an account and make a purchase.

Who should get this card
This card is ideal if you’re looking for an everyday, low-fee travel card with great perks. It’s especially useful if you’re comfortable using the Chase Ultimate Rewards program — when redeemed through the program, points are worth 25 percent more.

There’s no introductory fee for the first year. After that, the fee is $95 per year. It has a variable APR from 17.74 to 24.74 percent.

Read the full Chase Sapphire Preferred card review.

Wells Fargo Cash Wise Visa® Card

Outstanding cash rewards, bonus opportunities and nice perks — all without an annual fee — put the Wells Fargo Cash Wise Visa card on the list as the top no annual fee card.


  • Get a 0% introductory APR for 12 months on purchases and balance transfers, then a 14.74 percent to 26.74 percent variable APR applies.
  • Earn unlimited 1.5 percent cash rewards on purchases.
  • For purchases made with Android Pay or Apple Pay earn 1.8 percent cash back for the first 12 months.
  • Earn a $200 cash rewards bonus after spending $1,000 during the first three months after account opening.

Who should get this card
If you’re in the market for a straightforward card with solid cash rewards and no annual fee, this is a good choice. The cash rewards don’t expire as long as you keep your account open, there are no category restrictions and no quarterly sign ups. It’s an especially good option if you’re already a Wells Fargo customer, since you can manage all of your accounts from one place.

But while the simplicity and cash-back rate of this card is attractive, it doesn’t offer the highest flat-rate cash-back rewards around. The Citi Double Cash Card offers 1 percent back on every purchase and an additional 1 percent when you pay your balance.

Read the full Wells Fargo Cash Wise card review.

Bank of America Travel Rewards credit card

This card’s generous points rewards, easy redemption options and online bonus opportunity put it in the top of its class among Visa cards.


  • Earn unlimited 1.5 points per $1 spent on all purchases
  • Earn 25,000 points after making $1,000 in purchases during the first 90 days of account opening.
  • Points can be redeemed to pay for flights, hotels, rental cars, vacation packages and other travel-related purchases. You’re not limited to specific websites or blackout dates.

Who should get this card
This card is a standout option for those who want an easy-to-use, well-balanced travel card, particularly for overseas use. This card will be particularly appealing to existing Bank of America customers with a checking or savings account, who can earn an extra 10 percent bonus. Those who qualify for the Preferred Rewards program can increase their bonus to 25 percent to 75 percent.

In addition to the rewards perks, cardholders who carry a balance, or who have a large purchase to make, will enjoy zero percent introductory APR on purchases for 12 billing cycles, after that a variable APR of 16.74% – 24.74% will apply. There’s no annual fee.

Read the full Bank of America Travel Rewards credit card review.


Quick recap
Card Why it’s good Category
Chase Freedom Unlimited 1.5% cash back on every purchase Overall rewards
Chase Sapphire Preferred 2 points for every $1 spent on travel and dining Travel rewards
Wells Fargo Cash Wise Visa 1.5% cash back on all purchases and 0% intro APR for 12 months on purchases and balance transfers; After that 14.74%- 26.74% (Variable) No annual fee
Bank of America Travel Rewards credit card 1.5 points per $1 spent on all purchases No foreign transaction fee

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