Visa Credit Cards

Visa offers a secure, safe, and convenient network. From travel cards to rewards cards for business, Visa has a variety of credit cards for different spending habits. Find unique card benefits to fit your needs, from a variety of issuers. Here are the best Visa credit cards from our partners.

Visa offers a secure, safe, and convenient network. From travel cards to rewards cards for business, Visa has a variety of credit cards for different spending habits. Find unique card benefits to fit your needs, from a variety of issuers. Here are the best Visa credit cards from our partners.

Summary

Best Visa credit cards of 2020:

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

2X
Earn unlimited 2X miles on every purchase, every day.

At A Glance

Intro Bonus
50,000 miles
Annual Fee
$95, waived first year
Regular APR
17.24% - 24.49% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

1.25X
Earn unlimited 1.25X miles on every purchase, every day.

At A Glance

Intro Bonus
20,000 miles
Annual Fee
$0
Regular APR
14.49% - 24.49% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

5X
Earn 5X points on Lyft rides through March 2022. That’s 3X points in addition to the 2X points you already earn on travel.
2X
2X points on travel and dining at restaurants worldwide.
1X
1 point per dollar spent on all other purchases.

At A Glance

Intro Bonus
60,000 points
Annual Fee
$95
Regular APR
17.49% - 24.49% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.49% - 24.99% variable

Bad to Fair

Credit Recommended (300-670)

Apply Now

Rewards Rate

1%
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.

At A Glance

Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
19.49% - 25.49% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

1.8%
Enjoy 1.8% cash rewards on qualified digital wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
1.5%
Earn unlimited 1.5% cash rewards on purchases

At A Glance

Intro Bonus
$150
Annual Fee
$0
Regular APR
13.99% - 25.99% variable

Fair to Good

Credit Recommended (580-740)

Apply Now

Rewards Rate

5%
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
1%
1% cash back rewards on all other purchases, terms apply.

At A Glance

Intro Bonus
No current offer
Annual Fee
$95
Regular APR
25.49% variable

Good to Excellent

Credit Recommended (670-850)

Apply Now

Rewards Rate

3X
Earn 3X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
2X
2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains).
1X
1X point for every $1 spent on all other purchases.

At A Glance

Intro Bonus
30,000 Points
Annual Fee
$0
Regular APR
17.49% - 24.49% variable

Fair to Good

Credit Recommended (580-740)

Apply Now

Rewards Rate

1%
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

At A Glance

Intro Bonus
N/A
Annual Fee
$0
Regular APR
26.99% variable

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Editorial disclosure: All reviews are prepared by CreditCards.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.


Comparing Visa Credit Card Offers

Updated: March 25, 2020

You likely think little about the labyrinthine system of payments and reimbursements that go into buying that Starbucks latte you grab every morning. See that little Visa logo on the front of your credit card? With it comes a contract that protects you every time you use the card.

Depending on the benefits tier you have on your Visa card, you can enjoy everything from an auto rental collision damage waiver to various travel insurance offers and extended warranties. Whichever card you end up picking, there are a number of things you need to know. Here, we look at:

Whether you are trying to figure out which card network offers the best benefits or you want to know what to look for when picking out a Visa card, we can help.

All information about Bank of America Cards has been collected independently by CreditCards.com and has not been reviewed by the issuer. Bank of America Cards are no longer available through CreditCards.com.


After researching and analyzing over 3,400 credit card offers, here are our recommendations for the 10 best Visa credit cards right now. The Chase Freedom Unlimited tops our list and is great for everyday purchases. Cash back cards like the Wells Fargo Cash Wise offer great bonuses. If you have an average or limited credit history, the Credit One Bank Platinum Visa is a good option.

CreditCards.com’s expert picks: Best Visa credit cards of 2020

Credit Card: Best For Annual Fee Our Rating
Chase Freedom Unlimited® Unlimited cash back $0 3.8 / 5
Capital One® Venture® Rewards Credit Card Travel $95, $0 in first year 4.2 / 5
Capital One® VentureOne® Rewards Credit Card Low interest $0 4.2 / 5
Bank of America® Travel Rewards credit card Simple travel rewards $0 3.4 / 5
Chase Sapphire Preferred® Card Flexible rewards $95 3.9 / 5
Wells Fargo Platinum card Balance transfers $0 4.4 / 5
Credit One Bank® Visa® Credit Card Fast application $0-99 2.2 / 5
Wells Fargo Cash Wise Visa® card Cash sign-up bonus $0 3.5 / 5
Credit One Bank® Platinum Premier Cash Back Rewards Credit Card Building credit $95 3.2 / 5
Marriott Bonvoy Bold™ Credit Card Hotels $0 3.1 / 5

What is Visa?

Launched in 1958, Visa is rivaled only by Mastercard as the leading card payment network. Unlike networks Discover and American Express, which also issue cards, Visa and Mastercard serve primarily as networks that connect cardholders and issuers with merchants. Issuers such as Chase and Barclaycard partner with Visa and Mastercard, with the network connecting to merchants and the issuer granting the card.

Where are Visa cards accepted? Are there limitations?

Visa cards are accepted in more than 200 territories and countries worldwide and 44 million merchants. An issuer generally can’t block all transactions from a specific location or merchant type, however, there are countrywide prohibitions in countries such as Iran, Sudan and Syria due to U.S. sanctions and other laws.

How big is Visa? How many Visa cards are there?

Visa dominates most of the world market as a payment network. Let’s look at Visa’s financial and physical reach:

  • 3.3 billion cards worldwide
  • 200+ countries and territories
  • 15,900 financial institutions
  • $11 trillion total volume
  • 160+ currencies
  • 46+ million merchant locations

Visa vs. Mastercard benefits

Benefit Visa Traditional Mastercard Basic Visa Signature Mastercard World Visa Infinite Mastercard World Elite
24-hour service X X X X X X
Lost or stolen card reporting X X X X X X
Emergency card replacement X X X X X X
Emergency cash disbursement X X X X X X
Auto rental collision damage waiver X X X
Zero liability X X X X X X
Roadside dispatch X X X
ID theft protection X X X
Fuel rewards X X X
Price protection X X X X
Extended warranty X X X X X
Year-end summary X X
Travel, emergency assistance X X
Return protection X X
Purchase security X X
Travel accident ins. X X
Trip cancellation X X X
Trip delay X X
Lost luggage X X
Free shipping X X
Access to high-end rentals X X X X
Priceless® experiences X X
24/7 Concierge X X X
Hotel stay/rate guarantee X X
Travel deals X X X
Airport concierge X X

What to think about when picking out a Visa credit card

  • Look at the benefits level. Visa cards basically come in 3 tiers: Basic, Signature or Infinite. Each has benefits that accumulate – so the Signature and Infinite cards have the Basic features and then some.
  • Look at the card issuer’s benefits. For example, while you can’t get Lost Luggage Reimbursement a Visa Signature, you might be able to get them through the card’s issuer.
  • Review the rewards. When looking at Visa cards, take a look at the rewards offered by the card issuer, such as sign-up bonuses and ongoing purchase rewards.
  • Study the annual fee. The card issuer may impose an annual fee, but it might be worth your while, depending on which Visa tier it has and what rewards the issuer offers.

Laura is an editor and writer at CreditCards.com. She has written extensively on all things credit cards and works to bring you the most up-to-date analysis and advice. Laura’s work has been cited in such publications as the New York Times and Associated Press. You can reach her by e-mail at laura.mohammad@creditcards.com and on Twitter @creditcards_lm.