Best Visa Credit Cards of 2019

Whether you’re looking for a cash back card for everyday spending or a travel rewards card to fund your 2019 vacation, there’s a Visa credit card to suit you. Check out Bankrate's picks for top Visa cards to consider in the coming year.

Editor's Top Picks: Best Visa Credit Cards

Pentagon FCU Image

Recommended Credit Score

Excellent Credit (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Pentagon FCU's secure website

PenFed Power Cash Rewards Visa Signature® Card

Rewards Rate:
Earn up to 2% cash back through the PenFed Honors Advantage program 1.5% unlimited cash back on all purchases
Welcome Offer:
$100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months with 3% balance transfer fee now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary with the market based on Prime Rate. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of July 1, 2019 and are subject to change.
  • 1.5% unlimited cash back on all purchases. Flexible cash redemption options. No caps, limits or category restrictions on rewards. Earn up to 2% cash back through the PenFed Honors Advantage program
  • No annual or foreign transaction fees
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low as 11.99% APR
Terms and Restrictions Apply
Pentagon FCU Image

Recommended Credit Score

Excellent Credit (740 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Apply Now On Pentagon FCU's secure website

PenFed Platinum Rewards Visa Signature® Card

Rewards Rate:
Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards. Earn 3 points on supermarket purchases. Earn 1 point on all other purchases.
Welcome Offer:
$100 bonus after spending $1,500 in purchase transactions within 90 days of account opening.
Annual Fee:
$0
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0% for 12 months
Regular APR:
11.99%-17.99% Variable

Card Details

  • $100 bonus after spending $1,500 in purchase transactions within the first 90 days of account opening.
  • 0% APR promo balance transfer rate for 12 months now through September 30, 2019. After that, the APR for the unpaid balance and any new balance transfers will be 11.99% to 17.99%. APR will vary w/the market based on Prime Rate. 3% balance transfer fee per transaction. Subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
  • Rate and offers current as of July 1, 2019 and subject to change.
  • Earn 5 points on gas purchases at the pump. Fuel purchases for airplanes and boats do not receive cash back rewards.
  • Earn 3 points on supermarket purchases
  • Earn 1 point on all other purchases
  • No annual fee
  • No foreign transaction fees
  • No cash advance fee
  • Chip enabled for added security
  • Federally insured by NCUA
  • Variable rate as low As 11.99% APR
Terms and Restrictions Apply

Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.


Author: Bankrate Staff

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Table of contents

How we chose our favorite Visa cards

Our experts use a scoring matrix devised by the experts here at Bankrate who have studied over 300 different credit cards and award our unique score. Each card has been evaluated against a final score out of 5. We have done the legwork to help you find the best Visa card for you.

Visa is a payment network this means that it provides the framework for your payments to be made and accepted every time you use your card. Visa is one of the most ubiquitous payment processors as it is accepted in over 200 countries and can be used at over 10 million merchants in the U.S.

Scoring matrix

The Bankrate card experts have evaluated these Visa cards on various attributes: annual fees, sign-up bonuses, APR, rewards value, additional features (like travel insurances). Each category is weighted accordingly to give a final score out of 5.

Recap of Bankrate’s top picks for Visa credit cards

Card Name Best for Bankrate Review Score
Chase Sapphire Preferred® Card Sign-up bonus 4.7 / 5
Capital One® Venture® Rewards Credit Card Travel rewards 4.6 / 5
Capital One® VentureOne® Rewards Credit Card No annual fee travel rewards 4.1 / 5
Chase Freedom® Rotating cash back bonus categories 4.5 / 5
Capital One® Quicksilver® Cash Rewards Credit Card Good 0% intro APR (16.24% -26.24% variable thereafter) and flat-rate cash back 4.8 / 5
Wells Fargo Cash Wise Visa® Card (not currently available) No annual fee and cash back bonus 4.5 / 5
U.S. Bank Cash+™ Visa Signature® Card Flexible cash back rewards 4.5 / 5
Wells Fargo Platinum Visa card (not currently available) Balance transfers 4.6 / 5
Bank of America® Travel Rewards credit card Loyal Bank of America customers 4.3 / 5

Editor’s analysis of the best Visa credit cards

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 Chase Sapphire Reserve’s big annual fee.

Pros:

  • Earn two points per dollar on travel and restaurants worldwide and one point per dollar on all other purchases.
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®

Cons:

  • $95 annual fee
  • If you don’t like using the Chase travel portal you will miss out on maximizing your rewards value.

Read the full Chase Sapphire Preferred card review. 

Capital One® Venture® Rewards Credit Card

With the Capital One Venture Rewards card, you can earn 2X miles on every purchase, every day, plus 10x miles on thousands of hotels through January 2020 when you book through hotels.com/venture. That makes this card perfect for anyone who is regularly making hotel reservations and who is agnostic to which hotel brand they stay with.

Pros:

  • Earn 50,000 miles after you spend $3,000 within the first three months of card ownership, worth $500 in travel.
  • Earn unlimited travel rewards at 2x miles-per-dollar, rewards never expire, and 10x miles on thousands of hotels through hotels.com/venture.
  • Flexible redemption.
  • No foreign transaction fees.

Cons:

  • You have to make your travel purchase first and then use your rewards as credit on your statement.
  • You have to redeem mileage credits within 90 days of your travel.
  • $95 annual fee, waived for the first year.

Read the full Capital One Venture Reward review.

Capital One® VentureOne® Rewards Credit Card

The Capital One VentureOne Rewards card gets you close to the benefits of the Venture card but for no annual fee. You earn 1.25X miles (compared to 2X), but you still enjoy the great 10x miles on thousands of hotels through hotels.com/venture. That makes this card a great option to have on standby if you’re frequently booking hotel stays.

Pros:

  • Earn a one-time sign-up bonus of 20,000 miles when you spend $1,000 on purchases within the first 3 months of opening the account (equal to $200 in travel).
  • 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels, when booked and paid for through hotels.com/venture.
  • Flexible redemption.
  • No foreign transaction fees.

Cons:

  • There are more lucrative sign-up bonuses available.
  • Have to redeem miles within 90 days of making your travel purchase.

Read the full Capital One® VentureOne® Rewards Credit Card review.

Chase Freedom®

If you’re willing to put in a little bit of legwork you can really maximize your returns with the 5% rotating cash back categories (on up to $1,500 in combined purchases each quarter you enroll). If you fully utilize this offer it’s the equivalent to $300 per year in cash back rewards.

Pros:

  • Earn a sign-up bonus of $150 when you spend $500 on purchases in the first 3 months.
  • Earn 5% cash back (on up to $1,500 in combined purchases after you activate) in rotating bonus categories each quarter, on everything else you earn 1% cash back.
  • You can redeem your points as a cash back deposit to your bank account.

Cons:

  • You must enroll online to earn the 5% cash back in the rotating categories (although, Chase will send you an email notification about this).
  • The card has a 3% foreign transaction fee so there are better cards to use when traveling outside the U.S.
  • There are cards with a 2% flat-rate cash back if you prefer a more straightforward rewards program.

Read the full Chase Freedom review.

Capital One® Quicksilver® Cash Rewards Credit Card

If you’re looking for a solid 0% APR offer on purchases and balance transfers with straightforward unlimited rewards and a nice sign-up bonus then the Capital One® Quicksilver® Cash Rewards Credit Card is one of the best options available.

Pros:

  • Unlimited 1.5% cash back on all your spending.
  • $150 cash back sign-up bonus after you spend at least $500 in purchases within the first three months.
  • 0% APR on purchases and balance transfers for 15 months. Variable APR 16.24%-26.24% based on creditworthiness thereafter.
  • No foreign transaction fees.

Cons:

  • There are more generous flat-rate cash back cards.
  • No bonus categories if you wanted to access those higher rewards rates on certain categories.

Read the full Capital One® Quicksilver® Cash Rewards Credit Card review.

Wells Fargo Cash Wise Visa® Card (not currently available)

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.

Pros:

  • 0% intro APR for 12 months on purchases and on qualifying balance transfers (fees apply), then a 16.24% – 28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee.
  • Earn unlimited 1.5% cash rewards on purchases.
  • Google Pay™ or Apple Pay® purchases earn 1.8% for the first 12 months.
  • Earn a $200 cash rewards bonus after spending $1,000 during the first three months after account opening.

Cons:

  • 3% foreign transaction fee.
  • Rewards are only redeemable in $20 increments.

Read the full Wells Fargo Cash Wise card review.

The information related to the Wells Fargo Cash Wise Visa Card has been collected by Bankrate and has not been reviewed or provided by the issuer or provider of this product or service.

U.S. Bank Cash+™ Visa Signature® Card

The U.S. Bank Cash+™ Visa Signature® Card offers something unusual for a cash back rewards card — the ability for you to choose your own rewards categories. You get to pick two categories: one to earn 5% cash back, one category for 2% back and on everything else you get 1% cash back. If your spending is usually concentrated in certain spend categories you may want to consider this card. Here are just some of the categories: fast food, department stores, ground transportation, movie theaters, and gyms/fitness centers.

Pros:

  • Unlike most cards that offer bonus categories (which pre-select the bonus categories) this card lets you choose your own two bonus categories every quarter.
  • The card is in the Visa Signature network, which means that it includes some travel and auto protections and insurances.
  • No annual fee

Cons:

  • There’s a $2,000 cap per quarter on your bonus categories, which may be an issue if you spend more than $8,000 annually on your categories.

Read the full U.S. Bank Cash+™ Visa Signature® Card review.

Wells Fargo Platinum Visa card (not currently available)

If you’re struggling to make a dent in your credit card debt the Wells Fargo Platinum Visa card offers you 18 months at 0% interest on purchases and on qualifying balance transfers to help you pay down debt and save money on interest payments.

Pros:

  • 18 months 0% introductory APR on purchases and on qualifying balance transfers (fees apply and a variable 13.74%-27.24% APR applies after the 18-month intro offer; qualifying balance transfers made within 120 days qualify for the intro rate and fee).
  • Up to $600 cell phone protection (with a $25 deductible) when you pay your monthly bill with your Wells Fargo Platinum Visa card.
  • No annual fee.

Cons:

  • 3% introductory balance transfer fee jumps to 5% after the first 120 days. There are balance transfer cards available with lower balance transfer fees.
  • High variable APR rate. If you’re working on improving your credit score or have struggled with missed payments in the past then think carefully about the high fees.

The information related to the Wells Fargo Platinum Visa Card has been collected by Bankrate and has not been reviewed or provided by the issuer or provider of this product or service.

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.

Pros:

  • Earn unlimited 1.5 points per $1 spent on all purchases.
  • Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening. That can be a $250 statement credit toward travel purchases.
  • Bank of America Preferred Rewards members can earn 25% – 75% more points on every purchase.
  • Points can be redeemed to pay for flights, hotels, rental cars, vacation packages, and other travel-related purchases. You aren’t limited to certain websites or blackout dates.

Cons:

  • You have to make your travel purchases first then use your miles as credit on your statement.
  • If you won’t use the travel benefits, there are other cash back rewards cards that earn higher flat-rate cash back.

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


What is Visa?

Visa is a payment network that’s utilized by many credit card issuers and banks. Payment networks are needed to facilitate an electronic transaction of funds between buyers and sellers, and they generally charge a small fee for each transaction.

While Visa technically acts as the facilitator for all payments made with a Visa credit card, it is not a credit card issuer or bank. It simply provides the payment network technology that credit card issuers and banks use for all cards.

Visa (alongside Mastercard) dominates the payment processing industry. If you have a debit, credit, or prepaid card in your wallet, there’s a good chance that the card is partnered with Visa or Mastercard.

Why choose a Visa card?

Visa is one of the most widely accepted payment networks in the world. If you have a Visa credit card in your wallet, you can rest easy knowing that your card should be accepted in 200 countries and by most retailers. Discover and American Express are not as widely accepted around the world, putting some Visa cards at a higher advantage depending on where you live and travel. Mastercard is Visa’s major competitor.In fact, Visa and Mastercard dominate the payment processing industry in the U.S. with three-quarters of all purchase volume in 2017 on Visa or Mastercard cards. The average consumer probably can’t tell much of a difference between the two networks, though both networks offer unique rewards benefits.

All Visa cards fall under one of three benefit tiers: Basic, Signature and Infinite.

Visa Traditional covers:

  • Emergency card replacement.
  • Emergency cash dispersal.
  • Lost or stolen card reporting.
  • Zero liability protection.
  • Auto rental collision damage waiver.
  • Roadside dispatch.

Visa Signature includes everything covered in Traditional plus:

  • Warranty Manager Service.

Visa Infinite covers everything covered by Visa Signature plus:

  • Trip cancellation coverage.
  • Travel emergency and accident coverage.
  • Lost luggage insurance.

It’s worth checking the fine print of your Visa card to see what you’re covered for.

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.