Review
Updated
Fact Checked
Nathan Alderman
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 product for your needs. Check out our list of best Visa credit cards to learn more about your card options.
Best Visa credit cards
- Gas and grocery rewards: Bank of America® Customized Cash Rewards credit card
- Travel sign-up bonus: Chase Sapphire Preferred® Card
- Long 0% intro APR offer: U.S. Bank Visa® Platinum Card
- Bonus rewards on everyday spending: Chase Freedom Unlimited®
- Dining: U.S. Bank Altitude® Go Visa Signature® Card
- Premium travel rewards: Chase Sapphire Reserve®
- Limited or no credit history: Petal® 2 "Cash Back, No Fees" Visa® Credit Card
- Flat-rate travel rewards: Capital One Venture Rewards Credit Card
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Bank of America® Customized Cash Rewards credit card
Great for: Gas and grocery rewards
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Bank of America® Customized Cash Rewards credit card
On Bank of America's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR on purchases and balance transfers will apply. A 3% fee applies to all balance transfers.
Purchases: 0% Intro APR for 15 billing cycles for purchases
Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days
Regular APR
18.24% - 28.24% (Variable)
Rewards 3% cash back in your choice category, 2% at grocery stores & wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases), 1% on all other purchases.
1% - 3% cash back
Annual Fee
$0
Welcome Offer $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
$200
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Includes a big welcome offer, a long 0% intro APR, and a flexible cash rewards program that enables you to earn premium rewards in a category of your choice. Read Full Review
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- Competitive welcome bonus
- Bonus cash back in a category of your choice
- No annual fee
- Great 0% intro & transfer APR offer
- Relationship rewards bonus
- Foreign transaction fee
- Limit on bonus cash back
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- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn 3% cash back in the category of your choice - now with expanded categories, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
- Newly expanded categories based on Bank of America customer feedback! 3% cash back on Gas (to now include Electric Vehicle Charging (EVC) Stations) and Online Shopping (to now include Cable, Streaming, Internet and Phone Services).
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.24% - 28.24% Variable APR will apply. A 3% fee applies to all balance transfers.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Chase Sapphire Preferred® Card
Great for: Travel sign-up bonus
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Chase Sapphire Preferred® Card
On Chase's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49%-28.49% Variable
Rewards Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
1x - 5x points
Annual Fee N/A
$95
Welcome Offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 bonus points
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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 offers even more value for travel enthusiasts everywhere. Read Full Review
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- Big sign-up bonus
- Travel rewards
- Dining rewards
- Flexible travel points
- Consumer and travel protections
- Annual fee
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- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
- Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
U.S. Bank Visa® Platinum Card
Great for: Long 0% intro APR offer
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% on purchases and balance transfers for the first 18 billing cycles on purchases billing cycles, and after that 18.74% - 29.74% (Variable)
Purchases: 0%, 18 billing cycles on purchases
Balance Transfers: 0%, 18 billing cycles
Regular APR
18.74% - 29.74% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
-
With a generous intro APR offer for both balance transfers and purchases, this is one of the best low interest credit cards we've come across.
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- Long 0% intro APR offer
- No annual fee
- Cellphone protection
- Free credit score monitoring
- No rewards
- Foreign transaction fee
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- 0% Intro APR on purchases and balance transfers for 18 billing cycles. After that, a variable APR currently 18.74% - 29.74%.
- 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Terms and conditions apply.
Great for: Bonus rewards on everyday spending
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website.
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% Intro APR on Balance Transfers, 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
Regular APR
20.49% - 29.24% Variable
Rewards Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
1.5% - 5% cash back
Annual Fee N/A
$0
Welcome Offer Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back. That's 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
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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
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- Innovative sign-up bonus
- Purchase and travel protections
- Robust rewards program
- Great intro APR
- No annual fee
- Foreign transaction fee
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- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
- Member FDIC
U.S. Bank Altitude® Go Visa Signature® Card
Great for: Dining
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR 0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable)
Purchases: 0%, 12 billing cycles on purchases
Balance Transfers: 0%, 12 billing cycles
Regular APR
18.24% - 29.24% (Variable)
Rewards 4x points on dining, 2x points on groceries, gas, and streaming services, 1x points on other purchases
1x - 4x points
Annual Fee
$0
Welcome Offer 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening
20,000 bonus points
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A great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all with no annual fee.
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- Big sign-up bonus
- Dining rewards
- No annual fee
- 0% intro APR offer
- Streaming credit
- Balance transfer fee
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- Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
- 4X points on dining, takeout, and restaurant delivery.
- 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
- 2X points at grocery stores, grocery delivery, gas stations, and EV charging stations
- 1X point on all other eligible purchases.
- 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 18.24% - 29.24%.
- No Annual Fee
- Points never expire
- Every Altitude® Go Visa Card is made with recycled plastic, helping to reduce the amount of plastic waste in the environment.
- Terms and conditions apply.
Great for: Premium travel rewards
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website.
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Apply Now for Chase Sapphire Reserve®
On Chase's Secure Website.
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
22.49%-29.49% Variable
Rewards Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
1x - 10x points
Annual Fee N/A
$550
Welcome Offer Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
60,000 bonus points
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The sign-up bonus, premium rewards for travel and dining, and a wide array of travel benefits give this card quite a bit of value. Read Full Review
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- Sign-up bonus
- Travel credits
- Airport lounge access
- Travel and dining rewards
- Flexible travel point
- Annual fee
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- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
- Member FDIC
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Great for: Limited or no credit history
Rating image, 4.25 out of 5 stars.
4.25 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Fair/New to Credit Under(669)
Regular APR
18.24 - 32.24% Variable
Rewards
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away. 2% - 10% cash back at select merchants.
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A leading option among credit cards for building credit. The rewards program and lack of fees are standout perks in this category.
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- No credit history required
- Competitive cash back rewards
- No fees
- Fixed payment due date
- Not for rebuilding credit
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- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 18.24% - 32.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank
Capital One Venture Rewards Credit Card
Great for: Flat-rate travel rewards
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.24% (Variable)
Rewards Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel.
2X-5X miles
Annual Fee
$95
Welcome Offer Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
75,000 miles
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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
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- Excellent sign-up bonus
- Unlimited miles on purchases
- Travel credit
- Multiple ways to use miles
- No foreign transaction fee
- Annual fee
- No 0% intro APR offer
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- Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
- Earn unlimited 2X miles on every purchase, every day
- Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to a $100 credit for Global Entry or TSA PreCheck®
- Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through the Partner Lounge Network
- Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
- Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
- Transfer your miles to your choice of 15+ travel loyalty programs
Overview of the best Visa credit cards
Chase Sapphire Preferred® Card
Best for: Travel rewards
The Chase Sapphire Preferred® Card offers an impressive sign-up bonus that is well above most other credit cards. Cardholders 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
U.S. Bank Visa® Platinum Card
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 cardholders secure a 0% intro APR for 18 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
Bank of America® Customized Cash Rewards credit card
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. Cardholders can earn bonus cash back in one of six popular spending categories, including gas, online shopping, dining, travel, drug stores, and home improvement products.
Read the full Bank of America® Customized Cash Rewards credit card review
Chase Freedom Unlimited®
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 cardholders 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
U.S. Bank Altitude® Go Visa Signature® Card
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 0% APR offer for 12 billing cycles for both purchases and balance transfers.
Read the full U.S. Bank Altitude® Go Visa Signature® Card review
Chase Sapphire Reserve®
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 services and gives cardholders access to the Chase Ultimate Rewards program.
Read the full Chase Sapphire Reserve® review
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
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. Cardholders 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
Capital One Venture Rewards Credit Card
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. Cardholders can take advantage of valuable perks and services 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
Types of Visa credit cards
Like other credit card issuers, Visa makes numerous types of credit cards, each of which is defined by one or several fundamental features. For example, if a Visa card earns cash back and has a 0% intro APR, then it could be defined as 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. With that in mind, here are all the types of credit cards and how they work.
Rewards Visa credit cards
With a rewards card, you earn rewards on everyday 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.
Cash back Visa credit cards
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, gift cards, a check in the mail, or for products and services. 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 credit cards
Travel Visa cards earn rewards you can redeem for travel purchases, like flights and hotel stays. 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 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.
0% intro APR Visa credit cards
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
Balance transfer Visa 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, card issuers will let you 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.
Student Visa 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.
Visa credit cards for bad credit
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.
What is the best Visa credit card?
You may be wondering which is the best Visa credit card to have. This answer will not be the same for each cardholder. For instance, if you're looking to earn rewards on hotels or get travel vouchers each year, you might want to compare Visa travel cards to see which one might maximize your earnings. Likewise, if you're looking for a card with low fees, the best Visa card for you might be one with no annual fee. And 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 card products out there, giving you enough choices to match one with your personal finances.
How to compare Visa credit cards
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:
- Does this card provide a bonus offer? Is there a better credit card sign-up bonus out there?
- What is the annual percentage rate (APR)? Is the interest rate higher than normal or is it average?
- Does the card come with an annual fee? Can you afford the fee?
- Does the bonus offer require you to meet a minimum spend? Can you afford to do so comfortably within the set time period?
- How will you earn rewards? Are rewards unlimited?
- Can I get this card with my credit score and credit history? Is there a card that makes more sense for my financial situation?
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.
Which Visa card is right for you?
Here's how to decide which Visa card is right for you:
- Figure out what you need most from a credit card. You might find you need to increase your credit score, refinance credit card debt with a 0% intro APR offer, or earn as much cash back as possible on your everyday purchases. The first thing to look at is your reason for getting a credit card.
- Choose the type of Visa card that matches your needs. This depends on what you're looking for in a card. Whether that's rewards, building credit, a 0% intro APR offer, or something else, choosing a type of Visa card will help you narrow down your options.
- Pick the Visa card you like the most. By now, you should have a shortlist of potential Visa cards. Check out what they have to offer and go with the one that seems like the best fit. If you want to see how your choices match up, you can get a full breakdown using our tool to compare credit cards.
| Card | Rating | Great For |
|---|---|---|
|
Rating image, 4.00 out of 5 stars.
4.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Gas and grocery rewards |
|
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Travel sign-up bonus |
|
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Long 0% intro APR offer |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Bonus rewards on everyday spending |
|
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Dining |
|
|
Rating image, 4.50 out of 5 stars.
4.50 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Premium travel rewards |
|
|
Rating image, 4.25 out of 5 stars.
4.25 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Limited or no credit history |
|
|
Rating image, 5.00 out of 5 stars.
5.00 stars
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor |
Great For: Flat-rate travel rewards |
FAQs
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It depends on your credit score, needs, and what you want the credit card to do. Deciding on the best Visa credit card will require you to think about your goals and how you typically spend your money. You should also look at the features and benefits of each card. In a nutshell, the best Visa credit card is one that will work best for you.
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Visa offers a variety of credit cards, including 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.
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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.
Our Credit Cards Experts
Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.
Steven is a personal finance writer covering topics from mortgages to credit cards to market news. He has written for The Motley Fool Canada, Ramsey Solutions, Nerdwallet, Clever Real Estate, and other major outlets. Steven launched his writing career at the age of four with his first book, "Revenge of the Bad Guys." He currently lives in Portland, Oregon.
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Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent does not cover all offers on the market. Editorial content from The Ascent is separate from The Motley Fool editorial content and is created by a different analyst team.
JPMorgan Chase is an advertising partner of The Ascent, a Motley Fool company. Bank of America is an advertising partner of The Ascent, a Motley Fool company. American Express is an advertising partner of The Ascent, a Motley Fool company. Natasha Gabrielle has no position in any of the stocks mentioned. The Motley Fool has positions in and recommends Apple, Bank of America, Costco Wholesale, JPMorgan Chase, Mastercard, Netflix, Target, and Visa. The Motley Fool recommends U.S. Bancorp and recommends the following options: long January 2025 $370 calls on Mastercard and short January 2025 $380 calls on Mastercard. The Motley Fool has a disclosure policy.
The Motley Fool owns shares of and recommends Visa.