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.

See the best Visa credit card offers from our partners below.

Total VISA® Unsecured Credit Card

Total VISA® Unsecured Credit Card
Bad to Fair Credit Recommended (300-670) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at The Bank of Missouri's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
See Terms*
Regular APR
See Terms*

Show Less

Highlights

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!

Rates & Fees

Annual Fee
See Terms*
Intro Purchase APR
N/A
Regular APR
See Terms*
Intro Balance Transfers APR
N/A

View All Card Details

Show More

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

11,756 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Intro Bonus
25,000 points
?

25,000 online bonus points if 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

Annual Fee
$0
Regular APR
16.99% - 24.99% variable

Show Less

Highlights

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • New Offer: 25,000 online bonus points if 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
  • Use your card to book your trip how and where you want – you're not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you're a Preferred Rewards client, you can increase that bonus to 25% - 75%

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% Introductory APR on purchases for 12 billing cycles
Regular APR
16.99% - 24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A

View All Card Details

Show More

Wells Fargo Platinum Visa® Card

Wells Fargo Platinum Visa® Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Wells Fargo's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
13.49% - 26.99% variable

Show Less

Highlights

  • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.49%-26.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa® Credit Card
  • Easy access to your FICO® Credit Score with Wells Fargo Online®
  • Zero Liability protection for promptly reported unauthorized transactions
  • Convenient tools to help create a budget and manage your spending with My Money Map
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions

Rates & Fees

Annual Fee
$0
Intro Purchase APR
0% for 18 months
Regular APR
13.49%-26.99% (Variable)
Intro Balance Transfers APR
0% for 18 months

View All Card Details

Show More

Chase Sapphire Reserve®

Chase Sapphire Reserve®

4,626 Reviews

Excellent Credit Recommended (740-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
50,000 points
?

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

Annual Fee
$450
Regular APR
17.99% - 24.99% variable

Show Less

Highlights

  • Earn 50K 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®
  • Named "Best Premium Travel Credit Card" for 2018 by MONEY® Magazine
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • 3X points on travel immediately after earning your $300 travel credit. 3X points on dining at restaurants & 1 point per $1 spent on all other purchases. $0 foreign transaction fees.
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $750 toward travel
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,000+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select
  • Up to $100 application fee credit for Global Entry or TSA Pre✓®

Rates & Fees

Annual Fee
$450
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

View All Card Details

Show More

The First Access VISA® Credit Card

The First Access VISA® Credit Card
Bad to Fair Credit Recommended (300-670) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at The Bank of Missouri's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
See Terms*
Regular APR
N/A

Show Less

Highlights

  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application

Rates & Fees

Annual Fee
See Terms*
Intro Purchase APR
N/A
Regular APR
N/A
Intro Balance Transfers APR
N/A

View All Card Details

Show More

OpenSky® Secured Visa® Credit Card

OpenSky® Secured Visa® Credit Card
See Terms
at Capital Bank's Secure Site

At A Glance

Intro Bonus
No current offer
Annual Fee
$35
Regular APR
19.14% variable

Show Less

Highlights

  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.

Rates & Fees

Annual Fee
$35
Intro Purchase APR
N/A
Regular APR
19.14% (variable)
Intro Balance Transfers APR
N/A

View All Card Details

Show More

USAA® Rewards™ Visa Signature® Card

USAA® Rewards™ Visa Signature® Card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at USAA's Secure Site

At A Glance

Intro Bonus
2,500 points
?

Get 2,500 bonus points with your first purchase

Annual Fee
$0
Regular APR
11.90% - 27.90% variable

Show Less

Highlights

  • Earn 2X points per dollar spent on gas and dining with no caps
  • Earn 1X points for every dollar spent on all other purchases
  • Get 2,500 bonus points with your first purchase
  • Redeem points for cash, merchandise, gift cards and more
  • USAA membership is available to active and former military and their eligible family members

Rates & Fees

Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
11.90% - 27.90% Variable
Intro Balance Transfers APR
N/A

View All Card Details

Show More

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

310 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Intro Bonus
50,000 points
?

Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening.

Annual Fee
$95
Regular APR
17.99% - 24.99% variable

Show Less

Highlights

  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you're a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don't expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee

Rates & Fees

Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A

View All Card Details

Show More

Alaska Airlines Visa Signature® credit card

Alaska Airlines Visa Signature® credit card
Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Bank of America's Secure Site

At A Glance

Intro Bonus
30,000 miles
?

Get 30,000 bonus miles after you make $1,000 or more in purchases within the first 90 days of your account opening.

Annual Fee
$75
Regular APR
16.99% - 24.99% variable

Show Less

Highlights

  • Special Introductory Offer: Buy 1 ticket, get 1 for just the taxes and fees with Alaska's Famous Companion Fare™ Offer.
  • Get 30,000 bonus miles after you make $1,000 or more within the first 90 days of your account opening.
  • Get Alaska's Famous Companion Fare™ every year! Each Year on your account anniversary get a companion fare from $121 ($99 plus taxes and fees from $22). Valid on all Alaska flights booked on alaskaair.com.
  • Save with a free checked bag on Alaska flights for you and up to six other guests on the same reservation.
  • Earn 3 miles for every $1 spent directly on Alaska Airlines purchases and 1 mile for every $1 spent on all other purchases.
  • New - Get exclusive access to discounted redemption levels when you redeem miles for hotel stays at over 400,000 properties using Mileage Plan™ Hotels.
  • Earn unlimited miles and travel with no blackout dates and no foreign transaction fees.

Rates & Fees

Annual Fee
$75
Intro Purchase APR
N/A
Regular APR
16.99%-24.99% Variable APR on purchases and balance transfers
Intro Balance Transfers APR
N/A

View All Card Details

Show More

Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

3,811 Reviews

Good to Excellent Credit Recommended (670-850) ? CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
at Chase's Secure Site

At A Glance

Intro Bonus
Up to 60,000 points
?

Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.

Annual Fee
$99
Regular APR
17.99% - 24.99% variable

Show Less

Highlights

  • Earn 40,000 points after you spend $1,000 on purchases in the first 3 months your account is open. Plus earn 20,000 points after you spend $12,000 within your first year.
  • 6,000 bonus points after your Cardmember anniversary
  • 2 points per $1 spent on Southwest® purchases and Rapid Rewards® Hotel and Car Rental Partner purchases
  • 1 point per $1 spent on all other purchases
  • Earn unlimited points that don't expire as long as your card account is open
  • No foreign transaction fees
  • No blackout dates or seat restrictions, Bags fly free® and no change fees
  • Redeem your points for flights, hotel stays, gift cards, access to events and more

Rates & Fees

Annual Fee
$99
Intro Purchase APR
N/A
Regular APR
17.99% - 24.99% Variable
Intro Balance Transfers APR
N/A

View All Card Details

Show More

Back to top

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: December 7, 2018

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.


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 and Capital One Quicksilver Cash Rewards Card are at the top of our list and both are great for everyday purchases. The Chase Freedom and Wells Fargo Cash Wise offer great cash back rewards. If you have average or limited credit history, the Credit One Bank NASCAR Visa Credit Card is a good option.

CreditCards.com's expert picks: Best Visa credit cards of 2018

Best For:CardOur RatingAnnual Fee
Flat-rate cash backChase Freedom Unlimited®3.2 / 5$0
Good creditCapital One® Quicksilver® Cash Rewards Credit Card3.9 / 5$0
Cash back sign-up bonusWells Fargo Cash Wise Visa® Card3.1 / 5$0
Flexible travel rewardsChase Sapphire Preferred® Card4.1 / 5$95 waived first year
Choice of rewardsU.S. Bank Cash+™ Visa Signature® Card3.0 / 5$0
Gas and groceriesCredit One Bank® NASCAR® Visa® Credit CardN/A$0-$99
No annual feeCapital One® VentureOne® Rewards Credit Card3.0 / 5$0
Cash back on rotating categoriesChase Freedom®2.5 / 5$0
Hotel purchasesCapital One® Venture® Rewards Credit Card4.3 / 5$95 waived first year
0% APR offerU.S. Bank Visa® Platinum Card4.4 / 5$0

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?

The FactsDescription
Employees12,400+
HeadquartersSan Francisco
Merchant locations44 million
Cards3.1 billion
Currencies160
2016 payment volume$6.3 trillion

Source: Visa

Visa vs. Mastercard benefits

BenefitVisa TraditionalMastercard BasicVisa SignatureMastercard WorldVisa InfiniteMastercard World Elite
24-hour serviceXXXXXX
Lost or stolen card reportingXXXXXX
Emergency card replacementXXXXXX
Emergency cash disbursementXXXXXX
Auto rental collision damage waiverX
X
X
Zero liabilityXXXXXX
Roadside dispatchX
X
X
ID theft protection
X
X
X
Fuel rewards
X
X
X
Price protection
XXX
X
Extended warranty
XXXXX
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
XX
Trip delay

X
X
Lost luggage

X
X
Free shipping


X
X
Access to high-end rentals

XXXX
Priceless® experiences


X
X
24/7 Concierge


XXX
Hotel stay/rate guarantee


X
X
Travel deals


XXX
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.