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. See More
| Best for | Category Winner | Annual Fee | First Year Rewards | |
|---|---|---|---|---|
 | Travel | Chase Sapphire Preferred Card | $95 | $1,695 |
 | Cash back | Costco Anywhere Visa Card by Citi | $0* | $355 |
 | Balance transfers | Chase Slate Edge | $0 | N/A |
 | Exclusive perks | Chase Sapphire Reserve | $550 | $1,855 |
 | Small business | Ink Business Preferred Credit Card | $95 | $3,245 |
Best Visa Credit Card for Travel
Chase Sapphire Preferred Card
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. The Sapphire Preferred Card offers benefits which include a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards, 2x points on other travel purchases, 3x points on dining purchases at restaurants, eligible delivery and take out worldwide, and earn 1x point per dollar on everything 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 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 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. 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.
- Earn 60,000 points when spending $4,000 in the first three months with the card
- 25% point bonus when booking travel through Chase Ultimate Rewards portal
- $95 annual fee
- 16.74% - 23.74% Variable rate APR
- Some transfer partners offer less than 1 point per Chase point
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. The Sapphire Preferred Card offers benefits which include a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards, 2x points on other travel purchases, 3x points on dining purchases at restaurants, eligible delivery and take out worldwide, and earn 1x point per dollar on everything 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 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 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. 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
Costco Anywhere Visa Card by Citi
Benefits
If you have a preference for using a Visa credit card and you enjoy earning cash back, Costco Anywhere Visa Card by Citi (a SmartAsset advertising partner) 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.
- Earn 4% cash back on eligible gas purchases up to $7,000 per year, 1% after
- No annual fee with paid Costco membership
- The is no sign-up bonus available for new cardholders
- Cash back is processed just once per year
Benefits
If you have a preference for using a Visa credit card and you enjoy earning cash back, Costco Anywhere Visa Card by Citi (a SmartAsset advertising partner) 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.
Best Visa Credit Card for Balance Transfers
Chase Slate Edge
Benefits
One of the best Visa cards available for anyone needing to complete a balance transfer is the Chase Slate Edge card. With this card you will receive an introductory 0% APR for the first 18 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 you can reduce your APR by 2% every year if you pay your bill on time and spend at least $1,000 on the card by your annual account anniversary. You can also access a reduced balance transfer fee of $5 or 3%, whichever is greater, if you can manage to make a balance transfer within 60 days of your account opening. After that time, it will change to $5 or 5% of the transferred balance, whichever is greater.
Each month you will have access to your FICO® score, which will give you an inside look at how paying off your debt is having an effect on your credit. With Chase Slate Edge 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 Edge 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 Edge card is a great choice. You will receive a lengthy introductory 0% APR, the ability to reduce your APR over time, a reduced balance transfer fee in the beginning and no annual fee.
- Reduced balance transfer fee when transfer is made in first 60 days
- Introductory 0% APR on purchases and balance transfers for 18 months, then a 15.74% - 24.49% Variable APR
- Ability to lower your APR by 2% annually by meeting certain terms
- No annual fee
- You will not earn any rewards
- There is a 3% foreign transaction fee
- Balance transfer can’t come from another Chase credit card
Benefits
One of the best Visa cards available for anyone needing to complete a balance transfer is the Chase Slate Edge card. With this card you will receive an introductory 0% APR for the first 18 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 you can reduce your APR by 2% every year if you pay your bill on time and spend at least $1,000 on the card by your annual account anniversary. You can also access a reduced balance transfer fee of $5 or 3%, whichever is greater, if you can manage to make a balance transfer within 60 days of your account opening. After that time, it will change to $5 or 5% of the transferred balance, whichever is greater.
Each month you will have access to your FICO® score, which will give you an inside look at how paying off your debt is having an effect on your credit. With Chase Slate Edge 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 Edge 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 Edge card is a great choice. You will receive a lengthy introductory 0% APR, the ability to reduce your APR over time, a reduced balance transfer fee in the beginning and no annual fee.
Best Visa Credit Card for Exclusive Perks
Chase Sapphire Reserve
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 60,000 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. Earn 5x total points on air travel and a total of 10x points on car rentals and hotels when you purchase through Chase Ultimate Rewards immediately after you spend the first $300 on travel purchases annually. Earn 3x points on all other travel and when you dine at restaurants worldwide (including takeout and eligible delivery services), and receive 1x point per dollar spent on everything else. 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 1300+ 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 $550, 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.
- Earn 60,000 points after spending $4,000 within first 3 months
- Receive a $300 annual travel credit for travel purchases charged to your account
- Up to $100 statement credit to cover Global Entry or TSA Precheck®
- Complimentary Priority Pass membership
- No foreign transaction fees
- $550 annual fee
- Limited reward earnings potential on most purchases
- Must have excellent credit to be approved
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 60,000 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. Earn 5x total points on air travel and a total of 10x points on car rentals and hotels when you purchase through Chase Ultimate Rewards immediately after you spend the first $300 on travel purchases annually. Earn 3x points on all other travel and when you dine at restaurants worldwide (including takeout and eligible delivery services), and receive 1x point per dollar spent on everything else. 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 1300+ 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 $550, 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
Ink Business Preferred Credit Card
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 100,000 Chase Ultimate Reward® points after spending $15,000 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 $1250.
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.
- 100,000 bonus points after spending $15,000 within the first 3 months
- Earn 3 points on every day business expenses, in select categories
- Earn additional benefits for being a Visa Signature card
- No foreign transaction fees
- Rewards are limited to $150,000 annually in select business categories
- $95 annual fee
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 100,000 Chase Ultimate Reward® points after spending $15,000 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 $1250.
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.
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.
