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Visa credit cards are widely accepted, and they come in a variety of card types. With so many options available, you may be wondering how to pick the right Visa credit card for your needs. Check out our list of best Visa credit cards to learn more about your card options.
Chase Sapphire Preferred® Card
Great for: Travel sign-up bonus
On Chase's Secure Website.
On Chase's Secure Website.
With a big sign-up bonus, the sky’s the limit for this top-rated travel rewards card. Plus, the premium points program for travel and dining make it a no brainer for travel enthusiasts everywhere. Read Full Review
Great for: Long 0% intro APR offer
On U.S. Bank's Secure Website.
On U.S. Bank's Secure Website.
With a 20 billing cycle intro APR offer for both balance transfers and purchases, this is one of the best low interest credit cards we've come across. Read Full Review
Bank of America® Customized Cash Rewards credit card
Great for: Gas and grocery rewards
On Bank of America's Secure Website.
On Bank of America's Secure Website.
Includes a big bonus in the no-annual fee category and a flexible cash rewards program that enables you to earn premium cash back in a category of your choice. Plus, the long intro APR offer makes this card a standout among its peers. Read Full Review
Great for: Bonus rewards on everyday spending
On Chase's Secure Website.
On Chase's Secure Website.
This card includes a lineup of features that makes it a great option for one-card-wallet simplicity. The unlimited cash back makes it easy to earn rewards. The sign-up bonus and long 0% intro APR offer are the cherries on top. Read Full Review
U.S. Bank Altitude® Go Visa Signature® Card
Great for: Dining
On U.S. Bank's Secure Website.
On U.S. Bank's Secure Website.
A rare, great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all somehow with no annual fee. Read Full Review
Great for: Premium travel rewards
On Chase's Secure Website.
On Chase's Secure Website.
The sign-up bonus, premium rewards for travel & dining, and wide array of valuable travel credits make this a compelling offer that will offset the cost of the annual fee for many. The array of limited time offers make it even more compelling. Read Full Review
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Great for: Limited or no credit history
On Petal's Secure Website.
On Petal's Secure Website.
People with no or limited credit histories will be hard pressed to beat it. The rewards program and lack of fees are clear standouts in the category. Read Full Review
Capital One Venture Rewards Credit Card
Great for: Flat-rate travel rewards
On Capital One's Secure Website.
On Capital One's Secure Website.
Unlimited 2X miles, TSA Pre✓® credits, and a big sign-up bonus make this credit card one of the best travel companions. Read Full Review
Best for: Travel rewards
The Chase Sapphire Preferred® Card offers an impressive sign-up bonus that is well above most other credit cards. Cardmembers can earn travel rewards and have access to the Chase Ultimate Rewards program, which has many partners and offers a lot of flexibility.
Read the full Chase Sapphire Preferred® Card review
Best for: Lengthy 0% Intro APR
The U.S. Bank Visa® Platinum Card has one of the longest 0% intro APR cards on the market.
While it doesn't offer rewards, new cardmembers secure a 0% intro APR for 20 billing cycles. This makes it an excellent card for anyone who wants to avoid paying interest on new purchases and balance transfers.
Read the full U.S. Bank Visa® Platinum Card review
Best for: Gas rewards
The Bank of America® Customized Cash Rewards credit card lets you customize your reward experience so that you're earning rewards on your biggest spending category. Cardmembers can earn bonus cash back in one of six popular spending categories, including gas.
Read the full Bank of America® Customized Cash Rewards credit card review
Best for: Unlimited cash back
The Chase Freedom Unlimited® offers several cash back earning categories. There's no annual fee to use this card, and cardmembers can earn unlimited cash back. The card also comes with a 0% intro APR for 15 months on purchases and balance transfers.
Read the full Chase Freedom Unlimited® review
Best for: Dining rewards
The U.S. Bank Altitude® Go Visa Signature® Card is a no annual fee card with the ability to earn big -- up to 4 points per $1 spent on dining, takeout, and delivery services. This card also has an introductory 12-month 0% APR offer for both purchases and balance transfers.
Read the full U.S. Bank Altitude® Go Visa Signature® Card review
Best for: Premium travel benefits
The Chase Sapphire Reserve® is a premium-level travel rewards credit card loaded with valuable benefits like a yearly $300 travel credit, airport lounge access, and trip insurance. It comes with a high annual fee, but it has some of the best travel card perks and gives cardmembers access to the Chase Ultimate Rewards program.
Read the full Chase Sapphire Reserve® review
Best for: Limited credit history
The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is marketed as a no fee card made specifically for people with no credit history or minimal credit history. Cardmembers can earn up to 1.5% cash back on their spending when paying bills on time, and they won't have to worry about fees since this card doesn't charge an annual fee, late payment fees, or foreign transaction fees.
Read the full Petal® 2 "Cash Back, No Fees" Visa® Credit Card review
Best for: Flat-rate travel rewards
The Capital One Venture Rewards Credit Card offers unlimited, flat-rate travel rewards -- making it a simple card to use since there's no earning categories to keep track of or remember. Cardmembers can take advantage of valuable perks like up to $100 in TSA PreCheck or Global Entry application credits and an attractive welcome offer.
Read the full Capital One Venture Rewards Credit Card review
There are quite a few different types of Visa credit cards. A card's features determine which type of card it is. Keep in mind that a Visa card can belong to multiple types. For example, if a Visa card earns cash back and has a 0% intro APR, then it would be both a cash back Visa card and a 0% intro APR Visa card.
It's much easier to choose a credit card when you know which type you want. Here are all the types of credit cards and how they work.
With a rewards card, you earn rewards on purchases. The type of rewards you'll earn depends on the card. The most common are cash back, travel rewards you can use for travel purchases, and store rewards you can use for gift cards at the store that issued the card.
These Visa cards earn cash back, so they're considered both rewards cards and cash back credit cards. You can typically redeem your cash rewards for a statement credit on your credit card bill, a deposit to a bank account, or a check in the mail. Cash back Visa cards are easy to use, making them a great choice for beginners and anyone who wants uncomplicated credit card rewards.
Travel Visa cards earn rewards you can redeem for travel purchases. Travel credit cards usually refer to rewards as points or miles. Although there can be more of a learning curve with these Visa cards, they can help you save lots of money on expensive travel bookings. A good travel rewards credit card won't charge a foreign transaction fee. Most travel credit cards for good credit require applicants to have credit history and a good credit score.
This type of Visa card has a 0% intro APR that applies to purchases you make. The card issuer won't charge you any interest on your purchases during the intro period. You could save money financing expensive purchases with a 0% intro APR Visa card. Because the APR goes up when the interest-free offer ends, it's recommended you pay off your balance before that happens.
Read more: Best 0% APR Credit Cards
These Visa cards also have a 0% intro APR, with the difference being that it applies to balance transfers. That means you can move over balances from other credit cards. In some cases, you can also transfer other types of debt. The advantage of a balance transfer Visa card is that it helps you save money on interest while paying down debt. Be aware that you'll likely have to pay a balance transfer fee.
If you're interested in this type of card, check out our picks for the best balance transfer credit cards.
These cards are aimed at college students who are building credit for the first time. They usually don't have as many features as the top credit cards. However, the best credit cards for students may have perks designed with students in mind, such as bonus money for good grades.
These Visa cards are for consumers who have bad credit or don't have much of a credit history yet. Since they're primarily for increasing your credit score, they're typically light on other benefits. Many credit cards for bad credit require a security deposit up front, but cardholders can often get their deposit back after making enough on-time payments.
You may be wondering which is the best Visa credit card to have. This answer will not be the same for each person. If you're looking to earn rewards, you'll want to compare Visa rewards cards to see which card might maximize your earnings. If you're looking for a card with low fees, the best Visa card for you might be one with no annual fee. If you have little-to-no credit history, a Visa credit card for bad credit might be best for you.
Consider your own needs before choosing which card to apply for so that you're able to reach your financial goals. A credit card that is labeled as one of the best credit cards may not necessarily be the best card for you. Luckily, there are many Visa credit cards out there.
When comparing credit card offers, it's important to think about your goals for a card. You should also take a look at Visa credit cards to compare their features and benefits, as not all Visa cards are created equally.
Here are some questions to help you compare Visa card options:
Learn more: What Is APR and What Does It Mean for Your Credit Cards?
In addition to comparing Visa cards, you might also compare other types of cards to see how they differ. If you're deciding between Amex vs. Visa, you should know that American Express cards tend to have more premium perks when compared to some Visa cards. But some merchants don't accept American Express cards, which could prove challenging if you want to use an Amex card regularly.
Mastercards are another popular card choice. When looking at Visa or Mastercard options, you likely won't have to worry about acceptance. But you should know that if you're a fan of Costco, the retailer only accepts Visa cards. So if you want to shop there often, a Mastercard credit card may not work for your situation.
Here's how to decide which Visa card is right for you:
Card | Rating | Great For |
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Rating image, 4.50 out of 5 stars.
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Great For: Travel sign-up bonus |
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Rating image, 4.50 out of 5 stars.
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Great For: Long 0% intro APR offer |
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Rating image, 4.50 out of 5 stars.
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Great For: Gas and grocery rewards |
|
Rating image, 5.00 out of 5 stars.
|
Great For: Bonus rewards on everyday spending |
|
Rating image, 5.00 out of 5 stars.
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Great For: Dining |
|
Rating image, 4.50 out of 5 stars.
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Great For: Premium travel rewards |
|
Rating image, 4.00 out of 5 stars.
|
Great For: Limited or no credit history |
|
Rating image, 4.50 out of 5 stars.
|
Great For: Flat-rate travel rewards |
It depends on your needs. Deciding on the best Visa credit card will require you to think about your goals and consider how you typically spend your money. You should also look at the features and benefits of each card. The best Visa credit card is one that will work best for you.
Visa offers a variety of credit cards. This includes rewards credit cards, cash back credit cards, travel credit cards, 0% intro APR credit cards, balance transfer credit cards, student credit cards, and credit cards for bad credit.
When looking at Visa cards, take the time to look at each card's benefits and features. You want to make sure that you're choosing the right card for your typical usage. You should also figure out what you need most from a credit card.
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