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Best Visa Credit Cards

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by Sean Bryant | Updated Oct. 14, 2019

Overview of the Best Visa Credit Cards

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

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  • Earn 60,000 points when you spend $4,000 in your first 3 months with the card. When redeemed for travel through Chase that equals $750!
  • Earn 2 points on dining and travel purchases around the globe and earn 1 point per dollar on everything else. When redeemed for travel through Chase Ultimate Rewards, points are worth 25% more.
  • There are no foreign transaction fees when traveling abroad.

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.74% - 24.74% 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 60,000-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 $750 in free travel.

Things to Consider

While this card is loaded with benefits, it does charge a $95 annual fee. The card is only available to applicants with good to excellent credit. It charges standard, variable rate purchase APRs of 17.74% - 24.74% 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 60,000-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.

Compare Similar Travel Offers

Best Visa Credit Card for Cash Back

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  • Cash Back Rewards Exclusively for Costco Members
  • Earn 4% cash back on eligible gas purchases worldwide, including at Costco, for the first $7,000 per year and then 1% thereafter
  • Earn 3% cash back on eligible restaurant and travel purchases
  • Earn 2% cash back on all other purchases you make from Costco and on Costco.com; and 1% cash back on all other purchases
  • No annual fee with your paid Costco Membership, and your credit card doubles as your Costco member ID
  • Every year receive a credit card reward certificate which can be used for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • Standard APR when taking part in the Citi Flex Plan is a variable 16.74% depending on creditworthiness

Annual Fee

$0*

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

16.74% 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 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.

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 a cash 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 welcome 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.

Compare Similar Cash Back Offers

Best Visa Credit Card for Balance Transfers

More Details

  • Intro balance transfer fee of $0 for the first 60 days. After that, the balance transfer fee is 5% of the amount transferred with a minimum of $5.
  • Receive 0% APR for 15 months on purchases and balance transfers. After that, an ongoing 16.74% - 25.49% variable APR.
  • Credit score free - updated every week with Credit Journey
  • Paying late won't raise your APR
  • No annual fee

Annual Fee

$0

Purchase Intro APR

0% for 15 months

Balance Transfer Intro APR

0% for 15 months

Regular APR

16.74% - 25.49% 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 16.74% - 25.49% Variable.

What makes this card really special - is that it offers 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 Exclusive Perks

More Details

  • Earn 50,000 points when you spend $4,000 in your first 3 months with the card. When you redeem your points for travel through Chase that equals $750!
  • MONEY Magazine has dubbed the Sapphire Reserve the 'Top Premium Travel Credit Card for 2018'
  • Receive a $300 travel credit each anniversary year to reimburse you for travel purchases charged to your card
  • After you earn your $300 travel credit, you will earn 3 points on travel purchases. When you dine at restaurants around the world earn 3 points, and earn 1 point per dollar spent on everything else
  • Points are worth 50% more when redeemed through Chase Ultimate Rewards for Travel
  • One to one point transfer to leading airline and hotel loyalty programs. There are no foreign transaction fees if traveling abroad
  • Receive complimentary Priority Pass™ Select Membership to 1,000+ airport lounges after an easy one-time enrollment
  • Receive an application fee credit of up to $100 for either Global Entry or TSA PreCheck®

Annual Fee

$450

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

18.74% - 25.74% 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. After you earn your $300 annual travel credit you will earn 3x points on travel worldwide. You will earn 3x points dining at restaurants anywhere in the world. 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 1000+ 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.

Compare Similar Exclusive Perks Offers

Best Visa Credit Card for Small Businesses

More Details

  • Earn 80,000 points when spending $5,000 in purchases in the first 3 months from account opening. If you redeem through Chase Ultimate Rewards towards travel, this would be equal to $1,000!
  • Earn 3 points per dollar spent on the first $150K in combined purchases in select categories each anniversary year
  • All other purchases earn one point per dollar with no limit to the amount you can earn
  • Receive 25% more points when redeeming for travel through the Chase Ultimate Rewards portal
  • Points can be redeemed for travel, cash back, gift cards and more - plus, your points don't expire as long as your account is open and in good standing
  • No foreign transaction fees if you need to travel overseas on business
  • Receive additional cards for your employees at no additional cost
  • A annual fee of $95 will apply

Annual Fee

$95

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

17.74% - 22.74% 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. 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. Not only will it offer a high sign-up bonus, but it also offers bonus points on several popular business expenses.

Compare Similar Small Business Offers

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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