Best Visa credit cards of September 2024
Visa offers a diverse collection of cards that are widely accepted around the world, which is why you should consider adding one of the best Visa credit cards to your wallet. With the brand’s extensive network, cardholders can enjoy unparalleled access throughout their travels. Beyond the convenience of global acceptance, these cards, particularly those with Visa Signature and Visa Infinite benefits, often provide premium perks and rewards.
From travel insurance to extended warranty coverage, Visa cards are packed with benefits to enhance cardholders’ experiences. We’ve selected the best Visa credit cards that help you earn great rewards on everyday spending and may even upgrade your next vacation.
- Chase Sapphire Preferred? Card: Best for beginner traveler benefits
- Chase Sapphire Reserve?: Best for premium travelers and restaurant-goers
- Chase Freedom Unlimited?: Best for nonbonus spending (and drugstores, dining, and Chase travel)
- Marriott Bonvoy Boundless? Credit Card: Best for low-cost card for Marriott guests
- Ink Business Unlimited? Credit Card: Best for freelancers
- Ink Business Preferred? Credit Card: Best for business owners
- Bank of America? Premium Rewards? credit card: Best for Bank of America members
- Alaska Airlines Visa Signature? credit card: Best for Alaska Airlines flyers
- Ink Business Cash? Credit Card: Best for office supplies
| 5x | 5x on travel purchased through Chase Travel?. |
| 3x | 3x on dining, select streaming services and online groceries. |
| 2x | 2x on all other travel purchases. |
| 1x | 1x on all other purchases. |
The Chase Sapphire Preferred? Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase Travel? or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred.
Pros
- You’ll earn 5 points per dollar on travel purchased through Chase Travel?, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 points per dollar on everything else.
- Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.
Cons
- The card comes with a $95 annual fee.
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- Enjoy bene?ts such as 5x on travel purchased through Chase Travel?, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel?. 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, 2027.
- Member FDIC
| 10x | Earn 10x total points on hotels and car rentals when you purchase travel through Chase Travel?. |
| 5x | Earn 5x total points on flights through Chase Travel?. |
| 3x | Earn 3x points on other travel and dining. |
| 1x | Earn 1 point per $1 spent on all other purchases. |
The Chase Sapphire Reserve is one of our top premium travel cards. With an annual $300 travel credit, generous points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve.
Pros
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
- Access to Chase Travel?
- 10 points per dollar on hotels, car rentals through Chase Travel? and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through Chase Travel?, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
- 50% more value when you redeem your points for travel directly through Chase Travel?
Cons
- Steep initial $550 annual fee
- May not make sense for people that don't travel frequently
- Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
- $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 Travel? 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 Travel?. For example, 60,000 points are worth $900 toward travel.
- 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, 2027.
- 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
| 5% | Enjoy 5% cash back on travel purchased through Chase Travel?, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more. |
| 3% | 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service. |
| 1.5% | 1.5% cash back on all other purchases. |
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited.
Pros
- At least 1.5% back on every purchase, with up to 5% or 3% back on select categories
- There is no annual fee
- Perfect for everyday, non-bonused spending
- Incredible value when paired with a premium Chase card
Cons
- There is a 3% foreign transaction fee so the card shouldn't be used abroad
- Limited card perks and benefits
- 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 Travel℠, 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 travel purchased through Chase Travel℠, 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, alerts, and more.
- Member FDIC
| 17X | Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy? with the Marriott Bonvoy Boundless? Card. |
| 3X | Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. |
| 2X | 2X points for every $1 spent on all other purchases. |
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards. Read our full review of the Marriott Bonvoy Boundless.
Pros
- Annual free night certificate (up to 35,000 points) each cardmember anniversary
- Automatic Silver elite status with pathway to Gold
- 15 elite night credits annually to help earn mid or high tier Bonvoy status
Cons
- There are better Marriott cards if you want higher tier status or no annual fee.
- Doesn't make sense if you don't stay at Marriott properties
- Earn 125,000 bonus points after qualifying purchases - our best points offer!
- Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
- 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
- Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy? with the Marriott Bonvoy Boundless? Card.
- Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
- No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
- Member FDIC
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited’ s sign-up bonus gives you a generous $900 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash? Credit Card and the Ink Business Preferred? Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve?, the Chase Sapphire Preferred? Card and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.
Pros
- No annual fee.
- A generous $900 cash-back sign-up bonus.
Cons
- High spend to receive sign-up bonus.
- No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
- Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase made for your business
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
- Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- 0% introductory APR for 12 months on purchases
- Member FDIC
| 3X | Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year |
| 1X | Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn |
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred.
Pros
- Access to the Chase Ultimate Rewards portal for points redemption
- Reasonable $95 annual fee
- Bonus categories that are most relevant to business owners; primary rental car insurance
- Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement
Cons
- High spending needed to get 90,000-point sign-up bonus
- No travel perks
- Subject to Chase's 5/24 rule on card applications
- Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- Round-the-clock monitoring for unusual credit card purchases
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Travel℠
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
- Member FDIC
| 2X | Earn unlimited 2 points for every $1 spent on travel and dining purchases. |
| 1.5X | Earn unlimited 1.5 points for every $1 spent on all other purchases. |
The Bank of America Premium Rewards card is great for using the points earned for rewards that normal airline miles or credit card points can’t cover. Bank of America Preferred Rewards? members get a 25%-75% rewards bonus on every purchase. New cardmembers earn a 60,000-point sign-up bonus after spending $4,000 in the first 90 days of account opening. Read our full review of the Bank of America Premium Rewards card.
Pros
- This card is more valuable for Bank of America Preferred Rewards? members, who can get between a 25% and 75% bonus on points earned.
- Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck? statement credit and travel protections
- Can transfer points earned into a 529 college fund
Cons
- Other cards offer higher points for key bonus categories
- Must open a Bank of America account to get the best value for points
- Low $95 annual fee.
- Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.
- Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases. No limit to the points you can earn and your points don't expire as long as your account remains open.
- If you're a Bank of America Preferred Rewards? member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87 - 2.62 points on all other purchases, for every $1 you spend.
- Redeem for cash back as a statement credit, deposit into eligible Bank of America? accounts, credit to eligible Merrill? accounts, or gift cards or purchases at the Bank of America Travel Center.
- Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck?/Global Entry Statement Credits of up to $100, every four years.
- Travel Insurance protections to assist with trip delays, cancellations and interruptions, baggage delays and lost luggage.
- No foreign transaction fees.
- 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.
| 3 miles | Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. |
| 2 miles | Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. |
| 1 mile | Earn unlimited 1 mile per $1 spent on all other purchases. |
There’s a lot to love about the Alaska Airlines Visa credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Fare? from $122 ($99 fare plus taxes and fees from $23) each account anniversary after spending $6,000 or more within the prior anniversary year, free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld? alliance, opening up endless redemption opportunities. Read our full review of the Alaska Airlines Visa credit card.
Pros
- Free checked bag for you and up to six guests on your reservation.
- Alaska discounts, including 20% back on in-flight purchases
- No foreign transaction fees
Cons
- $95 annual fee
- Limited Time Online Offer—Buy One, Get One + 50,000 Bonus Miles!
- Buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) and get 50,000 bonus miles with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account.
- Get Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) each account anniversary after you spend $6,000 or more on purchases within the prior anniversary year. Valid on all Alaska Airlines flights booked on alaskaair.com.
- Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases. Earn unlimited 2 miles for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 mile per $1 spent on all other purchases. And, your miles don’t expire on active accounts.
- Earn a 10% rewards bonus on all miles earned from card purchases if you have an eligible Bank of America® account.
- Free checked bag and enjoy priority boarding for you and up to 6 guests on the same reservation, when you pay for your flight with your card — Also available for authorized users when they book a reservation too!
- With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
- Plus, no foreign transaction fees and a low $95 annual fee.
- This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
| 5% | Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year |
| 2% | Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year |
| 1% | Earn 1% cash back on all other card purchases with no limit to the amount you can earn |
The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities on the first $25,000 spent each anniversary year, as well as 2% cash back at restaurants and gas stations on the first $25,000 spent each anniversary year. Read our full review of the Chase Ink Business Cash card.
Pros
- The current sign-up bonus on this card is an impressive up to $750.
- There is no annual fee which is perfect for small business owners.
- You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.
Cons
- 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening
- Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
- Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- No Annual Fee
- Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards?.
- 0% introductory APR for 12 months on purchases
- Member FDIC
Comparing the best Visa credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee |
|---|---|---|---|---|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | beginner traveler benefits | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | 1 - 5X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | premium travelers and restaurant-goers | 60,000 bonus points Open Intro bonus Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. | 1 - 10X points | $550 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | nonbonus spending (and drugstores, dining, and Chase travel) | Up to $300 cash back Open Intro bonus 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 Travel?, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5 - 5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | low-cost card for Marriott guests | Earn 125,000 Points Open Intro bonus Our best points offer! Earn 125,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless? Credit Card! | 2 - 17X points | $95
|
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | freelancers | Earn $900 bonus cash back Open Intro bonus Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | 1.5% cash-back | $0 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | business owners | Earn 90,000 bonus points Open Intro bonus Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. | 1 - 3X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | Bank of America members | 60,000 points Open Intro bonus Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening. | 1.5 - 2X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Bank of America's secure site | Alaska Airlines flyers | Buy One, Get One + 50,000 Bonus Miles! Open Intro bonus 50,000 bonus miles plus buy one ticket, get one for just the taxes and fees ($0 fare plus taxes and fees from $23) with this offer. To qualify, make $3,000 or more in purchases within the first 90 days of opening your account. | 1 - 3X points | $95 |
Open Editors rating Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer. at Chase's secure site | office supplies | Earn up to $750 bonus cash back Open Intro bonus Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. | 1 - 5% cash-back | $0 |
More details on the best Visa credit cards
The Chase Sapphire Preferred Card is one of the most popular travel rewards credit cards on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at a rate of 1.25 cents each for travel booked through Chase Travel? or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred.
The Chase Sapphire Preferred is an excellent choice for those new to travel rewards and seasoned rewards travelers who want to keep their annual fee costs low. It earns bonus transferable Chase Ultimate Rewards points on travel and dining purchases, making it a solid go-to for a wide range of travelers.
“The Chase Sapphire Preferred has been in my wallet for more than five years and is the go-to mid level rewards credit card that I recommend to people. It usually has a pretty solid sign-up bonus, with points that can be transferred to some of my favorite loyalty programs, like British Airways Executive Club and World of Hyatt. The strong earning rate on dining and travel, as well as streaming services, makes it a good choice for a millennial like me. Finally, I like using this card when renting cars, as it provides primary car insurance and a little more piece of mind.” — Matt Moffitt, senior credit cards editor
Those who want more travel perks should consider the Chase Sapphire Reserve?. While it does come with a higher annual fee, cardholders enjoy valuable benefits like an annual $300 travel credit and Priority Pass lounge access in addition to earning bonus rewards on travel and dining purchases.
The Chase Sapphire Reserve is one of our top premium travel cards. With an annual $300 travel credit, generous points on dining and travel purchases and travel perks, you can get excellent value that far exceeds the annual fee on the card.
If you want a card that earns Chase Ultimate Rewards points and comes with premium benefits, this card is the perfect fit. You’ll get a $300 annual travel credit, Priority Pass lounge access and a strong earning rate of 3 points per dollar on dining and travel purchases.
“I've had the Sapphire Reserve for years, and it's going to stay in my wallet for the near future. I get $300 off travel every year along with great earning rates on travel and dining (3 points per dollar) and varied travel protections that can reimburse me when things go wrong. And by leveraging other cards in the Ultimate Rewards ecosystem, I'm able to maximize the earnings across all of my purchases.” — Nick Ewen, director of content
If you can’t justify the annual fee or have lounge access through another card, you might prefer the Chase Sapphire Preferred? Card. It earns bonus points on travel and dining purchases for a much lower annual fee.
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything (up to $20,000 spent in the first year). However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling your rewards’ potential value.
The Chase Freedom Unlimited is an excellent choice for anyone who already has a Chase Ultimate Rewards-earning card and wants to maximize non-bonus spending. Since it earns 1.5 points per dollar, cardholders can earn 50% more rewards on non-bonus spending than with most other personal Chase cards.
“The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Sapphire Preferred or Sapphire Reserve. It has solid bonus categories but also gives 1.5% back on all other purchases. And, if you have a higher-end Chase card, you can effectively convert these cash-back earnings into fully transferable Ultimate Rewards points.” — Nick Ewen, director of content
If you want to earn cash back at a solid flat rate, consider the Citi Double Cash? Card (see rates and fees). It earns 2% cash back on all purchases (1% when you buy, 1% when you pay) and doesn’t carry an annual fee.
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. It comes with a free night certificate, automatic Silver Elite status and 15 elite credits annually.
This is a good option for anyone who stays at Marriott properties, even occasionally. The annual free night and status add enough value to easily justify its $95 annual fee.
“This card is worth keeping in my wallet every year due to the fact I can get outsize value from the free night certificate for a low $95 annual fee. Combining the 15 elite night credits I receive with this card with the ones I get by holding a Marriott business card means it is attainable for me to requalify for Platinum Elite status every year.” — Matt Moffitt, senior credit cards editor
Those who want more premium Bonvoy benefits should consider the Marriott Bonvoy Brilliant? American Express? Card. It has a much higher annual fee (see rates and fees) but comes with substantial statement credits and Priority Pass airport lounge access (enrollment required) as well as a more valuable annual free night.
The Ink Business Unlimited earns unlimited 1.5% cash back on every business purchase, allowing it to fill in rewards gaps not covered by bonus categories on other cards. Plus, you can increase the value of your rewards by pairing this card with one that earns transferable Chase Ultimate Rewards points.
Business owners who want to earn cash back or Chase Ultimate Rewards points will benefit the most from this card. It earns 1.5% (or 1.5 points per dollar) on all purchases, higher than most other Chase cards. It’s especially valuable for those who have another card that earns Chase Ultimate Rewards points since you can combine your points and transfer the rewards from this card to any of Chase’s transfer partners.
“I have the Chase Ink Business trilogy — the Ink Business Cash, Ink Preferred and Ink Unlimited cards. The first two cards maximize my points-earning on things like office supplies, internet and phone purchases, whilst the Ink Unlimited covers everything else, with a flat 1.5% earning rate. The fact that I have the Ink Preferred means I can convert my cash back from the Ink Unlimited into more valuable Chase Ultimate Rewards points. This no-annual-fee card will stay in my wallet for years to come.” — Matt Moffitt, senior credit cards editor
If you want more bonus rewards on business spending, consider the Chase Ink Business Cash Card. It earns 5% back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services, and 2% back on the first $25,000 in combined purchases at gas stations and restaurants each year for no annual fee.
The Ink Business Preferred Credit Card has a reasonable $95 annual fee and earns points across the four bonus categories that are most popular with businesses (travel, shipping, advertising and telecommunication providers). The card comes with travel protections and shopping protections as well as primary coverage when renting a car for business purposes for you and your employees.
Business owners who don’t already have cards that earn bonus rewards on travel and major business categories will benefit greatly from this card. It earns Chase Ultimate Rewards points, allowing cardholders to get outsize value by transferring their rewards to Chase’s travel partners.
“I originally signed up for the Ink Business Preferred primarily for its sign-up bonus. But, over the last year, I've found myself making it my go-to card when booking travel. After all, the Ink Business Preferred earns 3 points per dollar spent on travel (on the first $150,000 spent each anniversary year) and provides excellent travel protections, including trip delay protection and rental car insurance.” — Katie Genter, senior points and miles writer
If you want more valuable travel benefits and to earn bonus rewards on dining and travel, consider the Chase Sapphire Reserve. With it, you’ll earn 3 points per dollar on dining and travel purchases and get a $300 annual travel credit as well as Priority Pass lounge access.
The Bank of America Premium Rewards card comes with valuable statement credits. Plus, Bank of America Preferred Rewards members get a 25%-75% rewards bonus on every purchase.
Bank of America Preferred Rewards members will get the most from this card since they’ll earn even more rewards on every purchase. Additionally, anyone who can maximize the card’s travel and lifestyle credits and can recoup most of the annual fee cost will want to reach for this card.
The Bank of America Premium Rewards credit card earns 2 points per dollar on travel and dining purchases and 1.5 points per dollar on all other purchases, making it a solid earner across the board. And if you’re a Bank of America Preferred Rewards member, you’ll earn more with this card than many others on the market.
If you want more statement credits and travel benefits, consider The Platinum Card? from American Express. It has a higher annual fee (see rates and fees) but offers up to $1,500 in available statement credits and comprehensive airport lounge access.
Whether you’re a loyal Alaska flyer or a points enthusiast looking to diversify your rewards portfolio, this card has much to offer. It includes perks like a Companion Fare and free checked bags for you and up to six guests on your itinerary. Plus, Alaska is part of the Oneworld alliance, opening up a wide range of redemption opportunities.
Regular Alaska Airlines flyers will get the most value from this card since they’ll utilize the free checked bags and inflight discount more frequently. Still, even occasional flyers should consider it since the opportunity to earn a Companion Fare can more than justify the card’s $95 annual fee.
If you fly Alaska Airlines regularly and check a bag, this card is a no-brainer. You’ll get a free checked bag for you and up to six guests on your itinerary. Plus, you’ll earn bonus points on gas and electric vehicle charging — a valuable but less common bonus category.
If you're interested in more versatile rewards, the Chase Sapphire Preferred? Card earns transferable Chase Ultimate Rewards points for the same $95 annual fee.
The Chase Ink Business Cash is an excellent no-annual-fee card for small-business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations.
Small-business owners who want to earn bonus rewards on office supplies and utilities or complement their existing Chase Ultimate Rewards points-earning card will benefit the most from this card. Alone, it earns cash-back rewards, but it can be combined with another card to unlock the full range of Chase’s transfer partners.
“Chase Ultimate Rewards points are my favorite transferable currency, so my Ink Business Cash is an important player in my card strategy. I use it to earn bonus rewards on my utilities and anything I can purchase at office supply stores — purchases I wouldn’t earn bonus points on with any of my other cards. And since I also have the Chase Sapphire Reserve, I can combine my rewards and transfer them all to my favorite Chase transfer partners.” — Emily Thompson, credit cards writer
If you don’t have another card that earns Chase Ultimate Rewards points, consider the Ink Business Preferred? Credit Card. It earns fully transferable bonus points on travel and common business categories for a reasonable $95 annual fee.
Maximizing Visa credit cards
Think about the rewards you want
When choosing a credit card, the type of rewards you want to earn (cash back, transferable points, airline miles, etc.) matters more than the network the card is on. You’ll find some of each type of card in the Visa network, so prioritizing the type of rewards your card earns is a key starting point.
Maximize your spending
Choose a card that earns bonus points in the categories where you spend the most. For instance, if you travel and dine out often, the Chase Sapphire Reserve is a good option since it earns bonus points on a wide range of travel and dining purchases. Alternatively, someone who spends often at grocery stores or gas stations could find value in the Marriott Bonvoy Boundless, which earns bonus points in those categories.
Identify must-have benefits
The benefits offered on different Visas will vary. If you want the most valuable perks available, you’ll want to choose a Visa Infinite card. However, if you’re satisfied with the travel protections and event access that come with a Visa Signature card, you’ll have more options to choose from.
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What is a Visa credit card?
Every credit card has both an issuing bank and a network. For instance, the Chase Sapphire Preferred is issued by Chase Bank and is in the Visa network. The two major networks are Visa and Mastercard, and you’ll find that most banks partner with one of them — or both. The exceptions are American Express and Discover cards, which run on their own networks.
Visa vs. Mastercard
Visa and Mastercard are the two dominant credit card networks. Generally, they are both widely accepted, and the determining factor for which you prefer will come down to the specific benefits one card offers over the other. Of course, there are some exceptions. Costco Wholesale, for instance, only accepts Visa credit cards in-store, meaning customers need to ensure they have a Visa in their wallet.
Types of Visa Credit Cards
Visa Traditional credit cards offer the lowest level of Visa benefits available. However, they still come with some valuable perks. With a Visa Traditional card, you’ll have access to protections like roadside dispatch and expedited card replacement if something happens to your card. You’ll also get access to special offers with select travel and lifestyle brands.
Visa Signature credit cards offer the middle level of Visa benefits available. Cardholders receive the same benefits as Visa Traditional plus additional travel and shopping protections like extended warranty and trip delay reimbursement. You’ll also get access to more valuable travel and lifestyle offers with a Visa Signature card.
Visa Infinite credit cards offer the highest level of Visa benefits. In addition to the protections and offers available on Visa Signature cards, Visa Infinite credit cards tend to come with more significant travel perks, such as Priority Pass airport lounge access and an airline incidentals statement credit. Cardholders also receive additional protections, including price protection and emergency evacuation protection, as well as even more valuable travel and lifestyle offers. However, these benefits vary by card, so check the specific benefits offered before selecting a Visa Infinite card.
Visa credit card benefits
Most simply, the most valuable benefit a Visa card offers is that it’s widely accepted. In addition, you’ll also get some protections and money-saving offers, depending on the type of Visa you have.
How to choose the best Visa credit card
- Choose a Visa card with a sign-up bonus that fits your budget. This way, you earn the bonus without overspending and worrying about getting hit with high interest charges. Once you’ve obtained the bonus, you can redeem it for a statement credit using cash back or use your points or miles to book your next trip.1Sign-up bonus
- Depending on what type of Visa you choose, you may or may not need to pay an annual fee. Visa offers cards for every type of consumer and varying budgets, from no annual fees to premium fees that provide solid earning rates and other benefits.2Annual fee
- You should choose a Visa that offers elevated earning rates in the categories you frequently spend in — such as groceries, gas or streaming services. With a large roster of cards to choose from, there’s a Visa card that will work to put cash back in your pocket, earn you miles to travel or points to use as you please.3Bonus categories
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What's your favorite Visa card — and why?
Pros + cons of Visa credit cards
Pros
- Using a Visa credit card responsibly can help build your credit
- Visa credit cards can earn valuable rewards, such as points, miles and cash back
- Visa credit cards are available across multiple issuing banks, including Bank of America and Chase
- Visa is a credit card network widely accepted by many merchants
Cons
- Visa credit cards can encourage overspending if they're not used responsibly
- Carrying a balance on your Visa credit card can damage your credit score
- The cost of borrowing on a Visa credit card is higher than traditional loans
- Not all Visa cards come with same perks, benefits or earning structure
Frequently asked questions
Visa is a credit card network. Your credit card has both an issuing bank and a network, and Visa is one of the major networks. For example, the Chase Sapphire Preferred is issued by Chase and is in the Visa network.
To apply for a Visa credit card, click the application link on our page or go to the website of the card’s issuing bank. Then, fill out the required application information and submit it.
The best Visa credit card for you will depend on your spending habits and earning preferences. Since so many different cards are part of the Visa network, you can choose one with the type of rewards, earning structure and benefits that are the best fit for what you want.
Most credit cards allow you to take out a cash advance via an ATM or in person at a bank branch, but we recommend avoiding this when possible. A cash advance usually comes with high interest rates and additional fees, and the interest starts accumulating immediately. Only use this option to get cash from your Visa as a last resort.
You can check your Visa credit card balance by logging in to your card account, either through the website or the app associated with your card. You can also call the number on the back of your card to access your current card balance.
There is a wide range of different credit cards in the Visa network, so there’s a good chance that one of them will be a good addition to your wallet. However, this also means that there are likely some that would not be a good fit for your preferences and spending habits. Before choosing a card, consider the rewards and benefits it offers as well as its annual fee.
Not all credit cards are in the Visa network. Each credit card is a part of a network, and Visa is just one network a credit card can be in. Other common networks include Mastercard, Discover and American Express.