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Best Visa Credit Cards

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by Sean Bryant | Updated Jun. 13, 2017
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Overview

If you are planning to get a new credit card, and would like it to be a Visa card, then you have quite a large selection to choose from. However, it’s important to understand one key fact. Visa is not actually the issuer of credit cards, they are just the payment network. Visa will decide where a particular credit card will be accepted and what kind of benefits it might offer its cardholders. We have gone through and analyzed each Visa credit card and found a select few that are the best of the best within different categories. See More


Best Visa Credit Card for Travel

More Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards

Annual Fee

$0 intro annual fee for the first year, then $95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74% - 23.74% Variable

Benefits

If you think the only thing better than travel is free travel, then you need the Chase Sapphire Preferred® Card in your wallet. This powerhouse credit card offers a 50,000-point sign-up bonus. Just spend $4,000 on purchases in the first 3 months you have the card to qualify. Plus earn 2x points per dollar on travel and restaurant purchases and 1x point everywhere else. You can use Chase Ultimate Rewards® points for travel, cash back and gift cards. Cardholders can also transfer points to partners like United Airlines and Marriott for award reservations. Chase points are flexible and valuable. The sign-up bonus alone is worth at least $625 in free travel.

Things to Consider

While this card is loaded with benefits, it does charge a $95 annual fee. The annual fee is waived the first year. The card is only available to applicants with good to excellent credit. It charges standard, variable rate purchase APRs of 16.74% - 23.74% Variable based on your credit history. Late payments, cash advances and balance transfers all require an additional fee.

Our Verdict

This card gives you access to travel nearly anywhere in the world. The 50,000-point sign-up bonus is valuable enough to book a super saver travel reward, round-trip flight to Europe for just the cost of taxes and fees. Plus, by earning 2x points per dollar on travel and restaurant purchases, your balance will steadily grow so virtually any travel dream can come true. With benefits including travel and rental car insurance and no foreign transaction fees, you’ll save money while enjoying the beach, a metropolitan city or somewhere else on your bucket list. Once you apply, your next big decision is where you want to go next. With such flexible and valuable rewards, you’ll be on your next free trip in no time.

Best Visa Credit Card for Cash Back

More Details

  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Annual Fee

$0

Purchase Intro APR

0% for 7 Months

Balance Transfer Intro APR

N/A

Regular APR

15.99% variable

Benefits

If you have a preference for using a Visa credit card and you enjoy earning cash back, Costco Anywhere Visa® Card by Citi by Citi is for you. When you sign up and use this card, you will earn 4% cash back on eligible gas purchases (up to $7,000 per year). When you use your card at restaurants and on eligible travel, you will earn 3% back. You can earn 2% cash back when you shop at Costco and Costco.com. All other purchases will earn 1% back.

One great feature for anyone who doesn’t like paying annual fees on their credit card is that Costco Anywhere Visa® Card by Citi has no annual fee with your paid Costco membership. In addition, you will also receive a 0% introductory APR for the first 7% months. After that, it will change to 15.99% variable.

Things to Consider

One of the biggest drawbacks to this card is how you will receive your cash back rewards. Instead of being able to cash out freely, you will receive acash back check once per year. If you are hoping for more flexible redemptions, this could be something to think about. Costco Anywhere Visa® Card by Citi also doesn’t come with a sign-up bonus.

Verdict

If you frequently shop at Costco and are looking for a Visa cash back card, Costco Anywhere Visa® Card by Citi is an excellent choice. You can earn up to 4% cash back on the purchases you make most. Plus, you won’t pay an annual fee as long as you keep your paid Costco membership.

Best Visa Credit Card for Balance Transfers

More Details

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • Chase Slate named "Best Credit Card for Balance Transfers" four years in a row by Money Magazine
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR – Paying late won’t raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Annual Fee

$0

Purchase Intro APR

0% Intro APR on Purchases for 15 months

Balance Transfer Intro APR

0% Intro APR on Balance Transfers for 15 months

Regular APR

15.74%-24.49% Variable

Benefits

One of the best Visa cards available for anyone needing to complete a balance transfer is Chase Slate® card. With this card you will receive an introductory 0% APR for the first 15 months. This can give you the time you need to pay off your debt and get your finances back on track. After the introductory period is over, the APR will change to 15.74%-24.49% Variable.

What makes this card really special is that it’s the only card - Visa and all other issuers - to offer a no balance transfer fee. The only catch is that the transfer needs to be made during the first 60 days. After that it will change to 5% of the transferred balance.

Each month you will have access to your FICO score. This will give you an inside look at how paying off your debt is having an effect on your credit. With Chase Slate® card you will not pay an annual fee and there is no penalty APR if you happen to be late on a payment.

Things to Consider

You will not receive a sign-up bonus of any kind when you sign up for Chase Slate® card. You also won’t receive rewards on purchases that you make. Once you have completed your balance transfer and paid down the debt, you’re probably better off using a different card that will provide you with rewards.

Verdict

If you have debt that you need to pay off, Chase Slate® card is a great choice. You will receive a lengthy introductory 0% APR, no balance transfer fee and no annual fee.

Best Visa Credit Card for Students

More Details

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points earned with this card do not expire and there is no limit to the amount of points you can earn.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Annual Fee

$0

Purchase Intro APR

0% intro APR for 7 months from date of account opening

Balance Transfer Intro APR

N/A

Regular APR

14.74% - 24.74% (Variable)

Benefits

College is the perfect time to start building credit. By doing so, you’ll be in a better position later in life when you want to purchase a home. If you are looking to get your first credit card and have a preference for a Visa card, Citi ThankYou® Preferred Card For College Students is a great option.

When you sign up for this card, you will receive 2,500 Citi ThankYou® points once you spend $500 in the first 3 months of cardmembership. When you use your card at restaurants and on entertainment, you will receive 2 ThankYou® Points. All other purchases that you make will receive 1 point. You will have the chance to earn an unlimited amount of points and they will never expire as long as your account stays open.

Things to Consider

If you are like most college students, money can be an issue. Keeping your expenses low is a must. If that’s the case, you’ll like that this card comes with no annual fee. You will also receive an introductory 0% APR for 7 months. This could be helpful to give you time to pay off school expenses like books. After the introductory period, the APR will change to 14.74% - 24.74% (Variable).

Verdict

If you are looking for your first credit card, Citi ThankYou® Preferred Card For College Students is a great choice. You will be able to use it everywhere that Visa is accepted, plus you will earn rewards on all purchases that you make.

Best Visa Credit Card for Exclusive Perks

More Details

  • 50,000 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®
  • Receive up to $300 in statement credits annually as reimbursement for travel purchases such as airfare and hotels charged to your card
  • Earn 3X points on travel worldwide from airfare and hotels to taxis and trains
  • Earn 3X points on dining at restaurants worldwide from fast casual to fine dining
  • Earn 1 point per $1 spent on all other purchases
  • Receive up to $100 application fee credit for Global Entry or TSA Pre-check®
  • Access to 1,000+ airport lounges worldwide with complimentary Priority Pass™ Select membership

Annual Fee

$450

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74% - 23.74% Variable

Benefits

If you’re looking for a new Visa credit card, then there is no shortage of cards for you to choose from. One of the best is the Chase Sapphire Reserve℠ card. When you sign up for this card you will earn a bonus of 50,000 Chase Ultimate Reward® points after spending $4,000 in the first 3 months.

Where this card shines is its earning potential on purchases and exclusive perks for travelers. You will earn 3x points on any travel expense and at restaurants. Any other purchase will earn 1x points. When it comes time to redeem your points you can do so on travel through Chase Ultimate Rewards® at a 50% bonus. You can also transfer points to several different loyalty partners.

The Chase Sapphire Reserve℠ card is an elite credit card, which means it comes with elite travel benefits. You will receive a $300 annual travel statement credit. You will also have complimentary access to over 900+ airport lounges worldwide. When you sign up for Global Entry or TSA Precheck, you will receive up to a $100 statement credit to cover the cost.

Because this is a Visa Infinite® card you will also receive several other valuable benefits. Some of them include:

  • $50 reimbursement for roadside assistance
  • Trip cancellation/interruption insurance
  • Travel accident insurance
  • GoGo inflight Wi-Fi passes for 12 flight segments
  • Enhance car rental privileges, including discounts and upgrades
  • Many more

Things to Consider

Because this is an elite card, it also has an elite price tag. The annual fee is $450, which can scare some people off. Depending on how much you spend on travel and at restaurants, it could be well worth the fee.

Verdict

If you can stomach the high annual fee, this card offers a lot of value to the frequent traveler. Not only does it offer the ability to earn a generous amount of rewards, but the benefits from being a Visa card are high.

Best Visa Credit Card for Small Businesses

More Details

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent in select categories each account anniversary year
  • Earn 1 point per $1 on all other purchases with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more - your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74% - 21.74% Variable

Benefits

If you are a small business owner looking for Visa credit card, then a great option is the Ink Business Preferred℠ Credit Card card. When you sign up, you’ll receive 80,000 Chase Ultimate Reward® points after spending $5,000 in the first 3 months.

You’ll then earn 3x points on the first $150,000 spent each year on travel, shipping, Internet, cable and phone services and on advertising with social media and search engines. Any other purchases made will earn an unlimited 1x points. When you use your points to book travel through Chase Ultimate Rewards, they will be worth 25% more. That means the sign-up bonus would have a value of $1000.

Because this is a Visa Signature Business card there are several other benefits, including roadside assistance, travel accident insurance, lost luggage assistance, auto rental collision and damage waiver.

Things to Consider

While this card has a lot to offer in terms of rewards, it does come with an annual fee of $95. Depending on how much you plan to spend with the card, this can be a very manageable annual fee. Additionally, the card doesn’t include an introductory 0% APR, which might be a negative if you are planning a large business purchase in the near term.

Verdict

If you are looking to add a Visa small business card to your wallet, then you can’t go wrong with the Ink Business Preferred℠ Credit Card card. Not only will it offer a high sign-up bonus, but it also offers bonus points on several popular business expenses.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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