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Best Visa Credit Cards

Best Visa Credit Cards

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated Mar 30, 2020. Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Visa is a global payments technology company that offers electronic payment solutions across more than 200 countries and territories. While Visa serves as a card network and doesn’t actually issue credit cards, credit card issuers, such as banks and other financial institutions, provide Visa co-branded cards to consumers and businesses.

Based on our research of cards available through CompareCards, as well as top cards offered by major issuers, we compiled a list of the best Visa credit cards for the following categories:

Best Visa card for travel: Chase Sapphire Preferred® Card

 

The Chase Sapphire Preferred® Card is our top pick for travel due to its lucrative sign-up bonus, rewards rate on travel and dining purchases and valuable redemption options.

Cardholders earn 2X points on travel and dining at restaurants, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases worldwide.. Cardholders can also Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Ultimate Rewards points, which are typically worth 1 cent each, can be redeemed for cash, travel, gift cards and merchandise. However, if you redeem your points for travel through Chase Ultimate Rewards, each point will be valued at 1.25 cents — making the sign-up bonus worth $1,000.

Plus, rewards can be transferred at a rate of 1:1 to a number of transfer partners, including British Airways Executive Club, Emirates Skywards, JetBlue TrueBlue, United MileagePlus, Virgin Atlantic Flying Club and Marriott Bonvoy.

Additional Chase Sapphire Preferred® Card benefits:

  • Trip cancellation/interruption insurance
  • Auto rental collision damage waiver
  • Baggage delay insurance
  • Trip delay reimbursement
  • Travel and emergency assistance services
  • Purchase protection and extended warranty protection

What to look out for. The Chase Sapphire Preferred® Card comes with a $95 annual fee. Additionally, because the card doesn’t offer an introductory APR on purchases or balance transfers, it’s not ideal if you plan to finance a large purchase or transfer a balance from a different card.

Best Visa cashback card: Chase Freedom®

The Chase Freedom® card offers one of the highest cashback rewards rates in categories that rotate every quarter, plus it offers a generous intro APR period on purchases and balance transfers.

Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories every 3 months. Unlimited 1% cash back on all other purchases. Plus, through March 2022, earn 5% cash back on Lyft rides.

Cardholders can also earn a $200 bonus after spending $500 on purchases in your first 3 months from account opening.

Cash back can be redeemed for a statement credit or direct deposit into an eligible U.S. checking or savings account, as well as for travel, gift cards and merchandise.

Additional Chase Freedom® benefits:

  • $0 annual fee
  • 0% Intro APR on Purchases for 15 months, then a 14.99% to 23.74% variable APR will apply
  • 0% Intro APR on Balance Transfers for 15 months, then a 14.99% to 23.74% variable APR will apply
  • Purchase protection
  • Extended warranty protection
  • Fraud alerts
  • Complimentary three-month DoorPass membership from DoorDash (activate by Dec. 31, 2021)

What to look out for. The Chase Freedom® card only allows you to earn the 5% bonus on the first $1,500 in combined purchases each quarter. Still, if you max out the $1,500 cap, you can earn $75 cash back per quarter.

Best Visa balance transfer credit card: Wells Fargo Platinum card

The Wells Fargo Platinum card is our top choice for a balance transfer card if you’re looking for a way to save on high-interest debt. The card offers one of the longest intro APRs on balance transfers, 0% for 18 months on qualifying balance transfers. After that, an APR of 15.49%-24.99% (Variable) applies.

Additional Wells Fargo Platinum card benefits:

  • $0 annual fee
  • Auto rental collision damage waiver
  • Roadside dispatch
  • Travel accident insurance
  • Travel and emergency assistance services
  • Cell phone protection
  • Overdraft protection

What to look out for. The Wells Fargo Platinum card comes with a balance transfer fee of either 3% for 120 days, then 5%. Know that while cards offering longer intro periods often charge a balance transfer fee, however, the amount you may save in interest can often outweigh that fee.

Additionally, the card does not offer a rewards program. That said, we recommend paying off the total amount of your balance transfer before the promotional 0% intro APR period ends instead of focusing on earning rewards.

Best flat-rate Visa card: Chase Freedom Unlimited®

Chase Freedom Unlimited®

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on Chase's secure site

  • 0% Intro APR for 15 months on purchases

  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

  • 14.99% - 23.74% Variable

Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • No annual fee
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open

See additional details for Chase Freedom Unlimited®

More Info

The Chase Freedom Unlimited® card’s simple rewards structure makes it our leading choice for flat-rate rewards cards. The card has a earn 5% cash back on travel purchased through chase, 3% on dining and drugstores, and 1.5% on all other purchases. Cardholders won’t have the hassle of dealing with bonus spend categories or rewards caps. Plus, Chase is currently running a limited-time promotion that gives Chase Freedom Unlimited cardholders 5% cash back on Lyft rides through March 2022.

The Chase Freedom Unlimited® has a $0 annual fee. Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening. And earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Like the Chase Freedom® card, the Chase Freedom Unlimited® card allows you to redeem rewards for statement credits, direct deposits, travel, gift cards or merchandise.

Additional Chase Freedom Unlimited® benefits:

  • 0% Intro APR for 15 months on purchases, then a 14.99% - 23.74% variable APR will apply
  • N/A on balance transfers, then a 14.99 - 23.74% variable APR will aply
  • Purchase protection
  • Extended warranty protection
  • Fraud alerts
  • Complimentary three-month DoorPass membership from DoorDash (activate by Dec. 31, 2021)

What to look out for. Although the Chase Freedom Unlimited® offers an introductory APR on balance transfers for more than a year, keep in mind that the card charges balance transfer fees of either $5 or 5% of the amount of each transfer, whichever is greater.

Best Visa card for food delivery and rideshares: Uber Visa Card

The Uber Visa Card is our top pick if you want to maximize your earning potential on rides and food delivery from Uber. The card offers 5% back in Uber Cash on Uber rides, Uber Eats, and JUMP, 3% in Uber Cash on restaurants, bars, hotels, and airfare, and 1% back in Uber Cash on all other purchases. The Uber Visa Card also offers the following sign-up bonus: Earn $100 in Uber Cash after spending $500 on purchases in the first 90 days from account opening.

Uber rewards, which are earned in the form of Uber Cash, can be redeemed for Uber rides, orders with Uber Eats and rides using JUMP bikes and scooters. Uber Cash is worth 1 cent when redeemed for products and services in the Uber app.

Additional Uber Visa Card benefits:

  • $0 annual fee
  • Free FICO score
  • Cellphone protection
  • Foreign transaction fees: None

What to look out for. With the Uber Visa Card, you can only redeem Uber Cash for Uber rides, orders with Uber Eats and rides using JUMP bikes and scooters.

Best Visa card for business: Ink Business Preferred℠ Credit Card

If you’re a business owner looking to earn a large influx of rewards to use toward future business travel, the Ink Business Preferred℠ Credit Card should be on your radar. In addition to a very lucrative sign-up bonus, the card offers an elevated rewards rate in popular business spending categories.

Cardholders can earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening., worth $1,250 when redeemed for travel through Chase Ultimate Rewards.

The card also offers the following rewards rate: Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

In addition to travel, you can also redeem points for cash and gift cards at a value of 1 cent per point. Or, you can transfer points to several airline and hotel partners — including Air France, British Airways, JetBlue, Southwest Airlines, United Airlines and World of Hyatt — at a rate of 1:1.

Additional Ink Business Preferred℠ Credit Card benefits:

  • Free employee cards
  • Trip cancellation/trip interruption insurance
  • Roadside dispatch
  • Auto rental collision damage waiver
  • Cell phone protection
  • Purchase protection and extended warranty protection
  • Foreign transaction fees: $0

What to look out for. The Ink Business Preferred℠ Credit Card charges an annual fee of $95. In addition, because the card doesn’t offer an intro APR on purchases, you will be subject to interest charges of 15.99%-20.99% variable if you don’t pay your balance in full each month.

Best Visa credit card for students: Journey® Student Rewards from Capital One®

The Journey® Student Rewards from Capital One® is ideal for students who want to be rewarded for responsible card usage. Cardholders earn 1% cash back on all purchases; 0.25% cash back bonus on the cash back you earn each month you pay on time ⁠— for a total of 1.25% for that month. Plus, you could have access to a higher credit line after making your first five monthly payments on time.

Additional Journey® Student Rewards from Capital One® benefits:

  • $0 annual fee
  • Unlimited access to your credit score through CreditWise from Capital One
  • 24-hour travel assistance services
  • Auto rental collision damage waiver
  • Travel accident insurance
  • Extended warranty
  • Foreign transaction fees: None

What to look out for: With the Journey® Student Rewards from Capital One®, it’s important to pay your balance in full each month. Otherwise, you will incur high interest charges at a rate of 26.99% (variable).

Which Visa credit card should you choose?

With so many Visa credit cards to choose from, deciding which one is the right fit for you may be difficult. But ultimately, it comes down to what you want to get from the card.

For example, if you want a travel rewards card with a valuable sign-up bonus, the Chase Sapphire Preferred® Card may be the right choice. Or, if you’d prefer a simple approach to earning cashback rewards, the Chase Freedom Unlimited® card may be a better fit.

The information related to the Chase Freedom® and Ink Business Preferred℠ Credit Card has been independently collected by CompareCards and has not been reviewed or provided by the issuer of this card prior to publication.


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