[UPDATE: Some offers mentioned below have expired. For current terms and conditions, please see the issuer’s site for card terms and conditions. DISCLOSURE: Cards from our partners are mentioned below.]
Are you planning to add a new Visa credit card to your wallet? There are plenty of options. Visa is the largest payment network with its total global market share for credit card transactions at 45.6% in 2014, according to the The Nilson Report. That means not only do banks want to work with Visa, but businesses all over the world accept Visa cards.
The Best Visa Credit Cards
Of course, not all Visa credit cards are created equal. Visa is a payment network and, while it does tout a suite of benefits, it’s up to the issuer to determine which ones are made available to its cardholders. Plus, what credit card is right for you will be affected by what you need it for and how you spend in general. Still, no matter what your needs, it helps to brush up your credit before applying since a good score can help you qualify for the best credit card offers. (You can view two of your credit scores for on Credit.com.) Here are some of the best Visa credit cards out there.
Why We Picked It: This card is a favorite for many people. One of the big reasons is because it offers a very generous signup bonus of 50,000 Ultimate Rewards points after spending $4,000 within the first three months of becoming a cardholder.
Rewards Details: You earn 2x points when using the card at restaurants or on travel expenses. Any other purchases earns 1x points. You can redeem points for gift cards or cash back at a value of 1 cent per point. If you use your points for travel, you can book through Chase Ultimate Rewards for a value of 1.25 cents per points.
Annual Fee: $95, waived the first year
APR: Variable 16.99% to 23.99%
BankAmericard Travel Rewards Credit Card
Why We Picked It: The card gives you 1.5 points per dollar on every purchase. No trying to keep track of different categories that offer bonus points on purchases. When you sign up, you will receive 20,000 points after spending $1,000 within the first 90 days.
Rewards Details: If you are a Bank of America customer, then your earnings potential goes up. For instance, if you have a Bank of America checking or savings account, you will receive a 10% bonus on the points you earn.
Annual Fee: None
APR: An introductory 0% APR on purchases for the first 12 months. After that, a variable 15.99% to 23.99%.
US Bank FlexPerks Travel Rewards Visa Signature Card
Why We Picked It: The card rewards you for the purchase you make the most. Plus, you get Visa Signature benefits, like 24/7 concierge service.
Rewards Details: You earn two FlexPoints per dollar at the category you spend the most money, be it gas stations, grocery stores or airlines. You also earn double points on most cell phone bills. If you make a charitable contribution, you will receive 3x FlexPoints. Any other purchases made earn one point per dollar. When you sign up, you will receive 20,000 bonus FlexPoints after spending $2,000 within the first four months.
Annual Fee: $49, waived the first year
APR: Variable 14.99% to 24.99%
Why We Picked It: If you are looking for a balance transfer credit card, then Visa has one of the best with the Chase Slate card. There’s no balance transfer fee if you make your transfer within the first 60 days of opening your account. This can end up providing a nice amount of savings compared to the 3% to 5% fees other cards may charge.
Annual Fee: $0
APR: An introductory 0% APR for 15 months on both purchases and balance transfers. After that, a variable 15.99% to 24.74%.
At publishing time, the Chase Slate is offered through Credit.com product pages, and Credit.com is compensated if our users apply and ultimately sign up for this card. However, this relationship does not result in any preferential editorial treatment.
Note: It’s important to remember that interest rates, fees and terms for credit cards, loans and other financial products frequently change. As a result, rates, fees and terms for credit cards, loans and other financial products cited in these articles may have changed since the date of publication. Please be sure to verify current rates, fees and terms with credit card issuers, banks or other financial institutions directly.