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Your guide to Visa credit cards
Visa is an American financial services corporation best known for operating the world’s largest electronic payment network, VisaNet. The company isn’t a credit card issuer but does provide issuers, banks and other financial corporations with branded credit cards, debit cards and prepaid cards. Thanks to the global payment network, Visa credit cards are among the most widely accepted in the world.
Bankrate has the information you need to know about the best Visa cards available, from cash back cards to low interest options to high-end rewards.
In this guide:
Bankrate’s top Visa credit card selections for 2021
A closer look at 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 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,250 toward travel when you redeem through Chase Ultimate Rewards®.
- Earn 2X points per dollar on travel and restaurants worldwide and 1 point per dollar on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards.
- No foreign transaction fees.
Cons:
- $95 annual fee.
- If you don’t like using the Chase travel portal you will miss out on maximizing your rewards value.
Read our full review and find out how to apply.
Capital One Venture Rewards Credit Card
With the Capital One Venture Rewards card, you can earn 2X miles on every purchase, every day. That makes this card perfect for anyone who regularly makes travel reservations and isn’t exclusively loyal to a particular airline or hotel chain.
Pros:
- Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months.
- Earn unlimited travel rewards at 2X miles-per-dollar, rewards never expire.
- 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.
Read our full review and find out how to apply.
Credit One Bank® Platinum Rewards Visa
With the Credit One Bank® Platinum Rewards Visa, it truly is all about the numbers. The card earns 5 percent cash back in six categories — gas, groceries, internet, cable, satellite TV and mobile phone service — on your first $5,000 of eligible purchases every year (1 percent after). Still, you’ll need to use the card strategically and pay your bill diligently to account for two other numbers: a $95 annual fee and 23.99% APR.
Pros:
- 5 percent cash back (on up to $5,000 per year) on eligible gas, grocery, internet, cable, satellite TV and mobile phone service (1 percent after) and 1 percent on eligible non-category purchases.
- Free access to Experian credit score online.
- Zero Fraud Liability.
Cons:
- $95 annual fee.
- 23.99% APR.
Learn more and find out how to apply.
Upgrade Visa® Card with Cash Rewards
The Upgrade Visa® Card with Cash Rewards could address some of the common anxieties about credit cards — like fees, high interest charges or dreading your next bill after a run of unexpected expenses. The lack of fees and a regular APR starting at 8.99% are designed to make the card more affordable. Installment plans ranging from 12-60 months (see terms) offer the benefits of predictable fixed payments and the potential for lower interest costs.
Pros:
- No annual fees, foreign transaction fees or penalty fees
- Regular APR starts at 8.99%.
- Installment plans could help you pay off your balance more quickly and save on interest.
- Earn 1.5% unlimited cash back on card purchases every time you make a payment.
Cons:
- The high end of the card’s APR (29.99%) is really up there, so responsible spending is essential.
- You’ll need a Good or Excellent credit score (660 to 850 FICO) to get the full benefit of the starting APR.
Learn more and find out how to apply.
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 per dollar (compared to 2X), but you still enjoy the same great flexible redemption options. That makes this card a great option to have on standby if you’re frequently booking travel.
Pros:
- Earn a one-time sign-up bonus of 20,000 miles when you spend $500 on purchases within the first 3 months of opening the account (equal to $200 in travel).
- 1.25X miles per dollar on every purchase, every day and pay no annual fee.
- 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 our full review and find out how to apply.
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 our full review and find out how to apply.
The information about the Chase Freedom has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
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 our full review and find out how to apply.
The information about the U.S. Bank Cash+™ Visa Signature® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issue
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 along with dining. You aren’t limited to certain websites or blackout dates.
Cons:
- You have to make your travel purchases first then use your points 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 our full review and find out how to apply.
Bank of America® Premium Rewards® credit card
The sign-up bonus — 50,000 bonus points after you spend $3,000 within the first 90 days — is worth $500. That offer provides quite an incentive to add this card to your wallet, but the real long-term value depends on your status as a Bank of America account holder.
Pros:
- Generous sign-up bonus worth $500.
- Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases – now through 12/31/21. Earn 1.5 points for every $1 you spend on all other purchases. No limit to the points you can earn and your points don’t expire.
- Bank of America Preferred Rewards members can earn 25%-75% more points on every purchase.
Cons:
- Only the highest-tier Preferred Rewards members qualify for maximum rewards bonus.
- $95 annual fee.
- No introductory APR offer.
Read our full review and find out how to apply.
Alaska Airlines Visa Signature® credit card
Alaska’s Famous Companion Fare™ makes this card a prime choice for Alaska Airlines loyalists who travel with family, friends or business associates. The rewards rate (3 miles per $1) on eligible Alaska Airlines purchases will also appeal to the airline’s frequent flyers.
Pros:
- The companion fare could save you hundreds of dollars every year.
- You can use your miles to book travel with more than a dozen airline partners.
- Perks include free checked baggage for up to six on the same reservation.
Cons:
- You can use the companion fare only once a year and only on coach.
- Long-haul travelers tend to get the most value out of the companion fare.
- Scheduled changes in the American Airlines partnership could limit earning potential for some travelers.
Read our full review and find out how to apply.
The information about the Alaska Airlines Visa Signature credit card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
What is Visa?
Visa is a payment network 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.
With roughly 335 million credit cards in circulation worldwide, Visa is accepted in over 200 countries and can be used with over 10 million merchants in the United States.
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 by retailers all over the globe. Other payment networks like Discover and American Express are not as widely accepted around the world, giving Visa cards an 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. According to the Nilson Report, both companies have had continued high-volume success, with Visa accounting for $2.089 trillion in credit card purchases in 2019 and Mastercard reaching $910 billion. The average consumer probably can’t tell much of a difference between the two networks, though both offer unique benefits.
All Visa cards fall under one of three benefit tiers: Traditional, 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
- Year-end budget summary
- Travel and emergency assistance services
Visa Infinite covers everything covered by Visa Signature plus:
- Trip cancellation coverage
- Return Protection
- Travel emergency and accident coverage
- Lost luggage reimbursement
It’s worth checking the fine print of your Visa card to see what you’re covered for.
How we chose our top-rated Visa cards
Bankrate’s personal finance experts have evaluated the top Visa credit cards according to our 5-star rating system. The list of criteria for rating credit cards includes:
Rewards
Whether the card offers cash back, travel points/miles or multi-purpose rewards for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).
Perks and benefits
Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
Annual fee
Whether the card charges an annual fee and if so, how much the card’s overall value and benefits might offset the fee.
Introductory offers
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card’s overall value.
Variable APR
How the card’s annual percentage rate (APR) compares with current averages as an indicator of cost and value.
Foreign transaction fee
Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card’s overall value.
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