Best Visa credit cards of December 2025
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.
- Marriott Bonvoy Boundless® Credit Card: Best for low-cost card for Marriott guests
- Chase Sapphire Preferred® Card: Best for beginner traveler benefits
- Chase Sapphire Reserve®: Best for premium travelers and restaurant-goers
- Chase Freedom Unlimited®: Best for flexible cash rewards
- Ink Business Unlimited® Credit Card: Best for freelancers
- Bank of America® Premium Rewards® credit card: Best for Bank of America members
- Atmos™ Rewards Ascent Visa Signature® Credit Card: Best for frequent Alaska and Hawaiian flyers
- Ink Business Cash® Credit Card: Best for office supplies
- U.S. Bank Altitude™ Reserve Visa Infinite® Card: Best for premium perks and benefits
Browse by card categories
Comparing the best Visa credit cards
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 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 annually 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 3 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
- Earn 3X points per $1 on the first $6,000 spent in combined purchases annually 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
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, select streaming services and online groceries. |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 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 for Chase Travel bookings 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 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits 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
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 8x | Earn 8x points on all purchases through Chase Travel℠, including The Edit℠. |
| 4x | Earn 4x points on flights and hotels booked direct. |
| 3x | Earn 3x points on dining worldwide. |
| 1x | Earn 1x points on all other purchases. |
The Chase Sapphire Reserve® remains one of the most rewarding travel credit cards thanks to its elevated earning rates on both Chase Travel℠ and direct hotel and airline purchases. Cardholders also gain access to more than $2,700 in potential annual value through premium perks like lounge access, hotel status, lifestyle credits and flexible travel credits.
With its strong earning structure and access to Chase’s airline and hotel partners, it’s a top choice for travelers seeking both luxury and long-term value.
Pros
- Automatic $300 annual travel credit each account anniversary year
- Earn 8 points per dollar spent on Chase Travel purchases and 4 points per dollar spent on flights and hotels booked direct
- Over $2,700 in total annual cardmember value, including credits for StubHub, Apple Music, Apple TV+ and DoorDash
- $300 annual dining credit (split up as two semiannual $150 credits) for Sapphire Reserve Exclusive Tables restaurants
- Access to Chase’s 14 hotel and airline travel partners
- No foreign transaction fees
- Complimentary IHG Platinum Elite status (through Dec. 31, 2027)
Cons
- Steep $795 annual fee, plus a $195 fee per authorized user
- Some credits are split biannually, requiring careful tracking to maximize value
- Some credits require enrollment or specific platforms, which may make it more difficult to maximize value
- May not be a good fit for those who don’t spend heavily on travel or select lifestyle categories
- Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
- Get more than $2,700 in annual value with Sapphire Reserve.
- Earn 8x points on all purchases through Chase Travel℠, including The Edit℠ and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
- $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Access over 1,300 airport lounges worldwide with a complimentary Priority Pass™ Select membership, plus every Chase Sapphire Lounge® by The Club with two guests. Plus, up to $120 towards Global Entry, NEXUS, or TSA PreCheck® every 4 years
- Get up to $150 in statement credits every six months for a maximum of $300 annually for dining at restaurants that are part of Sapphire Reserve Exclusive Tables.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance, no foreign transaction fees, and more.
- Get complimentary Apple TV+, the exclusive streaming home of Apple Originals. Plus Apple Music — all the music you love, across all your devices. Subscriptions run through 6/22/27 — a value of $250 annually
- Member FDIC
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 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 cash back on every purchase. However, it doubles in potential value if you pair it with a card that earns transferable Ultimate Rewards points. Read our full review of the Chase Freedom Unlimited.
Pros
- Multiple bonus categories
- Incredible value when paired with a premium Chase card
Cons
- Limited card perks and benefits
- Foreign transaction fees
- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- 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% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% 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 18.49% - 27.99%.
- 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
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
The Ink Business Unlimited offers unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash® Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card. Read our full review of the Ink Business Unlimited Credit Card.
Pros
- No annual fee.
- A generous welcome bonus.
Cons
- High spend to receive sign-up bonus.
- No conversion to Chase points without holding the Chase Sapphire Reserve or Chase Sapphire Preferred
- Earn $750 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
at Bank of America's secure site
| 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.
Best for frequent Alaska and Hawaiian flyers
at Bank of America's secure site
| 3 points | Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. |
| 2 points | Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. |
| 1 point | Earn unlimited 1 point per $1 spent on all other purchases. |
The Atmos™ Rewards Ascent Visa Signature® Credit Card is a solid choice for budget-conscious Alaska and Hawaiian Airlines flyers who want to minimize the cost of holding a cobranded airline card.
Pros
- Free checked bag on Alaska and Hawaiian flights
- Priority boarding on Alaska and Hawaiian flights (for main cardholder and up to 6 guests on the same reservation when you pay for flights with this card)
- No foreign transaction fees
Cons
- $95 annual fee
- Companion Fare requires annual spending to earn
- Limited time online offer – 60,000 bonus points + a 30% global flight discount code.
- Receive a 30% global flight discount code for a qualifying future flight after opening your new account. Additionally, earn 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 or more on purchases within the first 90 days of opening your account.
- Get a $99 Companion 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 and Hawaiian Airlines flights within North America booked on AlaskaAir.com.
- Earn unlimited 3 points for every $1 spent on eligible Alaska Airlines and Hawaiian Airlines purchases. Earn unlimited 2 points for every $1 spent on eligible gas, EV charging station, cable, streaming services and local transit (including ride share) purchases. And earn unlimited 1 point per $1 spent on all other purchases. Points don’t expire on active accounts.
- Earn a 10% rewards bonus on all points earned from card purchases if you have an eligible Bank of America® account.
- Get a free checked bag and preferred boarding for you and up to 6 guests traveling on the same reservation when you purchase Alaska Airlines or Hawaiian Airlines airfare with your card.
- Earn and redeem across 1,000+ destinations worldwide with oneworld® Alliance member airlines and 30+ global air partners.
- 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.
at Chase's secure site
Terms & restrictions apply. See rates & fees.
| 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 a generous welcome bonus.
- 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 $750 when you spend $6,000 on purchases in the first three 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
- 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
- Earn 5% total cash back on Lyft rides through 9/30/27.
- Member FDIC
Best for premium perks and benefits
U.S. Bank Altitude™ Reserve Visa Infinite® Card
Information updated as of 11/18/2024
| 5X | 5X points on prepaid hotels and car rentals booked directly in the Altitude Rewards Center |
| 3X | 3X points on eligible travel purchases and mobile wallet spending on Apple Pay®, Google Pay™ and Samsung Pay |
| 1X | 1X point on all other eligible purchases |
Pros
- Multiple bonus categories
- TSA PreCheck/Global Entry credit
- No foreign transaction fees
Cons
- High annual fee
- Non-transferable rewards
The U.S. Bank Altitude® Reserve Visa Infinite® Card* is a premium travel credit card. It earns 5 points per dollar spent on hotels and rental cars when you book through the Altitude Rewards Center. This card also earns 3 points per dollar spent on eligible travel purchases and mobile wallet spending. The U.S. Bank Altitude Reserve Visa Infinite also comes with $325 in annual statement credit that gets automatically applied towards travel and dining purchases — including takeout and restaurant delivery — essentially bringing its annual fee down to $75. This, combined with an up to $100 TSA PreCheck or Global Entry every four years, a solid welcome bonus and no foreign transaction fees makes the U.S. Bank Altitude Reserve Visa a winner.
Comparing the best Visa credit cards
Credit card | Best for | Intro offer | Earning rate | Annual fee | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
at Chase's secure site | low-cost card for Marriott guests | Earn 3 Free Night Awards Open Intro bonus Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on eligible purchases within 3 months of account opening with your Marriott Bonvoy Boundless® Credit Card. Certain hotels have resort fees. | 2 - 17X points Open Rewards rates
| $95
| ||||||||
New offer at Chase's secure site | beginner traveler benefits | 75,000 bonus points Open Intro bonus Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. 60,000 bonus points | 1 - 5X points Open Rewards rates
| $95 | ||||||||
at Chase's secure site | premium travelers and restaurant-goers | 125,000 bonus points Open Intro bonus Earn 125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening. | 1 - 8X points Open Rewards rates
| $795 | ||||||||
at Chase's secure site | flexible cash rewards | Earn $200 cash back Open Intro bonus Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening | 1.5 - 5% cash-back Open Rewards rates
| $0 | ||||||||
at Chase's secure site | freelancers | Earn $750 bonus cash back Open Intro bonus Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. | 1.5% cash-back Open Rewards rates
| $0 | ||||||||
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 Open Rewards rates
| $95 | ||||||||
at Bank of America's secure site | frequent Alaska and Hawaiian flyers | Limited time online offer – 60,000 bonus points + a 30% global flight discount code Open Intro bonus Receive a 30% global flight discount code for a qualifying future flight after opening your new account. Additionally, earn 60,000 bonus points and a $99 Companion Fare (plus taxes and fees from $23) after spending $3,000 or more on purchases within the first 90 days of opening your account. | 1 - 3X points Open Rewards rates
| $95 | ||||||||
at Chase's secure site | office supplies | Earn $750 bonus cash back Open Intro bonus Earn $750 when you spend $6,000 on purchases in the first three months after account opening | 1 - 5% cash-back Open Rewards rates
| $0 | ||||||||
U.S. Bank Altitude™ Reserve Visa Infinite® Card * *The information about the U.S. Bank Altitude™ Reserve Visa Infinite® Card has been collected independently by ThePointsGuy.com. The card details have not been reviewed or approved by the card issuer. Information updated as of 11/18/2024 | premium perks and benefits | 50,000 points Open Intro bonus Earn 50,000 points if you spend $4,500 in the first 90 days. | 1 - 5X points Open Rewards rates
| $400 |
More details on the best Visa credit cards
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 but comes with substantial statement credits and Priority Pass airport lounge access (enrollment required) as well as a more valuable annual free night.
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 for Chase Travel bookings 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 Sapphire Reserve offers exceptional value for frequent travelers through generous rewards on travel spending, flexible point transfers and over $2,700 in potential annual perks.
The Chase Sapphire Reserve is best suited for travelers who can take full advantage of its elevated earning rates, statement credits and wide range of luxury benefits.
If you regularly spend on travel and lifestyle purchases, and want a premium reward card that delivers both luxury benefits and long-term value, the Sapphire Reserve is a card you should consider.
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 features a simple earning structure and a flat 1.5% earning rate on all other purchases outside of key categories. This makes it a great go-to for everyday spending, especially to fill in any gaps in your earning strategy.
If you’re relatively new to credit card rewards programs, the Freedom Unlimited is a solid card to get started with since its earning categories are pretty straightforward and there are no rotating categories you have to worry about tracking and activating.
“The Chase Freedom Unlimited is a great option, especially for anyone with a card like the Chase Sapphire Preferred® Card or Chase 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
Those seeking a travel rewards card with no annual fee should consider the Capital One VentureOne Rewards Credit Card. It earns 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel in addition to 1.25 miles per dollar spent on all other purchases. The VentureOne Rewards also has no foreign transaction fees making it an ideal travel companion, especially for starters (see rates and fees).
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 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 American Express Platinum Card®. It has a higher annual fee but offers valuable statement credits and comprehensive airport lounge access.
The Atmos™ Rewards Ascent Visa Signature® Credit Card features a healthy welcome bonus and decent earning rates for those who frequently fly with both Alaska and Hawaiian. We especially like that this card earns solid reward rates in popular bonus categories and earns at least 1 point for every dollar you spend.
This card is ideal for Alaska and Hawaiian Airlines flyers. However, even if you don’t fly with these airlines all the time, holding the Atmos Rewards Ascent card may still offer outsize value thanks to perks like a free checked bag on flights with these two airlines.
If you find yourself on international flights with Alaska and Hawaiian, you’ll enjoy elevated reward rates on every dollar you spend with these airlines, as well as no foreign transaction fees wherever your travels take you.
If you want a more general travel card with a similar annual fee that earns transferable points, consider the Chase Sapphire Preferred® Card. This card also comes with a $95 annual fee, doesn’t charge foreign transaction fees and earns valuable Chase Ultimate Rewards points.
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.
The U.S. Bank Altitude™ Reserve Visa Infinite® Card* comes packed with solid perks like elevated reward rates and no foreign transaction fee, making it a fair travel card.
*The information for the U.S. Bank Altitude Reserve Visa Infinite® Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
The U.S. Bank Altitude™ Reserve Visa Infinite® Card* is a great fit for mobile wallet enthusiasts who will benefit from the card’s unique bonus categories.
If you’re looking to add a travel card to your wallet, consider the U.S. Bank Altitude™ Reserve Visa Infinite® Card* for its elevated rewards earning and up to $100 TSA PreCheck or Global Entry statement credit.
If you want a card with similar perks but more flexible earning, consider the Chase Sapphire Reserve®. Chase Ultimate Rewards can be used with any of Chase’s transfer partners.
How we rate
Ask our experts
What's your favorite Visa card — and why?
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
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® Card 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.