Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.
We looked for the best Visa credit cards currently available to consumers. By exploring our database of credit cards, we were able to compare different among many different cards, and figure out which Visa credit cards would be best for several different types of users.
Best Visa Credit Cards For…
- Travel: Chase Sapphire Preferred® Card
- Students: Bank of America® Travel Rewards Credit Card for Students
- No Credit: Savings Secured Visa Platinum Card
- With No Annual Fee: Bank of America® Travel Rewards credit card
- Cash Back: Fidelity® Rewards Visa Signature® Card
- Luxury Hotel Rewards:Ritz-Carlton Rewards Credit Card
If you are confused about the different types of Visa credit cards, such as Signature or Infinite, we suggest reading the guide below before you make your selection.
Best Visa Travel Credit Card: Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is a Visa Signature card, which adds to the card's already long list of benefits for those who love travel. The non-network perks include earning 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases worldwide. You can also Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening. These points are great for those who love to travel, because they can be transferred to one of many participating hotel or airline programs -- including Southwest, United, IHG and Hyatt.
Through Visa Signature, Chase Sapphire Preferred® Card cardmembers can get other perks, such as trip cancellation, interruption and delay insurance. If your baggage is delayed by over 6 hours, the company can also reimburse you for some essential purchases, like toiletries and clothing, up to $100 a day for 5 days. These Visa Signature features combined with this card's rewards program make the Chase Sapphire Preferred® Card for people seeking travel rewards.
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn a $50 statement credit towards grocery store purchases within your first year of account opening.
- $95 Annual Fee
Best Visa Credit Card for Students: Bank of America® Travel Rewards Credit Card for Students
The Bank of America® Travel Rewards Credit Card for Students is one of the better credit cards available to students, especially those who love to travel abroad. The card provides 1.5 points for every $1 you spend on all purchases. When those points are later traded in for travel statement credit, you are earning a 1.5% rewards rate across all your purchases. That is a solid return, especially for a student credit card. The card offers the following welcome bonus as well: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening.
This card is a standard Visa, so you will be getting the bare bones benefits that typically come from the network. One thing that should be pointed out is that if you travel abroad Visa tends to be accepted at more merchant locations worldwide than some other card networks, including American Express or Discover.
- 1.5 points for every $1 you spend on all purchases
- $0 Annual Fee
- 0% foreign transaction fees
Best No Credit Visa Credit Card: Savings Secured Visa Platinum Card
The Savings Secured Visa Platinum Card is a good option if you have no credit and want a Visa credit card. The card doesn't perform any income verification or run a credit check on your account, when you apply. Instead, you simply put down a security deposit (minimum $250) and you receive all the benefits of having a Visa credit card. The card has a fairly low APR of 11.99% Variable -- this is especially good when you compare it to other secured credit cards which typically charge their users 20% or more.
Cardholders also get to Earn Flexpoints Rewards - 1 point for every $1 spent, which translates back to a 1% rewards rate. This is another feature rare among secured credit cards. Most don't come with any rewards whatsoever.
- 11.99% Variable Annual Percentage Rate (APR)
- Earn Flexpoints Rewards - 1 point for every $1 spent
- Minimum security deposit of $250
Best Visa Credit Card $0 Annual Fee: Bank of America® Travel Rewards credit card
The Bank of America® Travel Rewards credit card is among the best credit cards, especially if you are someone with a Bank of America deposit account. Like the student card we discussed above, this card earns 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire, which translates back to a 1.5% rewards rate. Beyond the rewards, this card is a good overseas companion since foreign transaction fees: None. Many other cards tend to charge their users 3% every time a card is used and passes through a foreign bank.
- Earn 25,000 online bonus points after at least $1,000 in purchases in the first 90 days of account opening
- $0 annual fee
Best Visa Credit Card for Cash Back: Fidelity® Rewards Visa Signature® Card
If you're looking for cash back rewards, the Fidelity® Rewards Visa Signature® Card is one of the best. You can get Unlimited 2% cash back on everyday purchases, no matter where you shop. That makes this card simple and easy to use. You never have to worry about optimizing your card choice. Instead, you get an above-average rewards rate on all your purchases. This is especially good for those who have very varied spending, and don't shop at traditional credit card rewards categories.
The catch: the cash back needs to be deposited into an eligible Fidelity investment account. If you choose to withdraw your rewards in another way, you will get a sub-2% rewards rate. Eligible accounts include non-retirement registrations as well as Traditional IRA, Roth IRA, Rollover IRA, SEP IRA, and Fidelity®-managed 529 College Savings Plan accounts.
- Unlimited 2% cash back on everyday purchases
- $0 annual fee
- Points never expire
Best Luxury Hotel Visa Credit Card: Ritz-Carlton Rewards Credit Card
The Ritz-Carlton Rewards Credit Card is worth mentioning, especially because it is one of the only Visa Infinite credit cards available to people in the United States. Visa Infinite has the special benefit of giving a $100 discount anytime this card is used to pay for domestic round-trip airfare for a group of 2-5 people. The wording on this benefit does not limit this benefit through any annual cap. Keep in mind, however, that this card also has a $395 annual fee, making it quite pricey.
In terms of rewards, this card is really best for people who stay at Ritz-Carlton properties every year, where you'll earn bonus points. On top of the Visa Infinite benefit, cardholders also get a free night award every year on your account anniversary, redeemable for up to 50,000 points.
- One of the few Visa Infinite credit cards
- Free night award on account anniversary
The information related to the Ritz-Carlton Rewards Credit Card has been collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.
What You Need To Know About Visa Credit Cards
It’s crucial that consumers shopping for Visa credit cards understand that not all of these cards are created equal. Currently, there are three major variants of Visa cards on the market, and these can come equipped with vastly different benefits. The three types are Visa, Visa Signature and Visa Infinite. If you heard of a Visa perk that sold you on the idea of getting one of these cards, you should verify that this benefit is available on a card that appeals to you. Below we outline some of the most important benefits for each Visa-card-type.
- Visa: This is the standard, boilerplate type of Visa credit card. With this, you will get the standard benefits that you get with almost any other credit card network – zero fraud liability and an auto rental collision damage waiver. These types of credit cards are sometimes referred to as Visa Traditional.
- Visa Signature:These types of Visa credit cards come with some more luxury benefits, including roadside dispatch and travel and emergency assistance services. Visa Signature cardholders also have access to a concierge that can book certain travel, restaurant and event reservations. Beyond that, you also get access to all the regular benefits that come equipped with Visa Traditional.
- Visa Infinite:The rarest type of Visa credit card within the United States. Most of the benefits that come with this are the same ones you’d see with Visa Signature. One notable exception to this rule is the annual travel discount. When you use a Visa Infinite card to pay for a domestic round-trip airfare for anywhere between 2 and 5 people, you receive a $100 discount. Note that this benefit is not extended to all Visa Infinite cards, so you should double check before assuming you have it.
No matter which type of Visa credit card you get, they will all be accepted at any establishment that already takes Visa.
The information related to the Chase Freedom® has been independently collected by ValuePenguin and has not been reviewed or provided by the issuer of this card prior to publication.