How to choose the best Visa card for you

This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Visa is the largest payment network in the world. With that in mind, let’s take a look at the best Visa credit cards from our partners to have in your wallet.

Apply now for Hotels.com® Rewards Visa® Credit Card at Wells Fargo's secure site Terms & restrictions apply. See rates & fees
Terms & restrictions apply. See rates & fees
Best for booking cheap hotels across multiple brands
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
more info
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.
Get 2 Reward Nights Worth $250 Total
details Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
Intro Bonus tooltip Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
Get 2 Reward Nights Worth $250 Total
No Annual Fee

Why we chose it

The Hotels.com Credit Card is the perfect match for those who are deal hunters and tend to stay across multiple hotel properties and brands when traveling. With no annual fee and hotel perks aplenty, you’re only gaining from owning this card. You’ll collect free reward nights easily and Silver membership for the first year of card ownership, which gets you perks such as free breakfast and airport transfers.

Pros

  • Silver membership benefits for the first year that get you elite-like perks across many Hotels.com properties, such as free breakfast, airport transfers and more
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • See Rates & Fees

Pros

  • Silver membership benefits for the first year that get you elite-like perks across many Hotels.com properties, such as free breakfast, airport transfers and more
  • Solid ancillary perks such as no foreign transaction fees, trip cancellation and interruption insurance, cell phone protection

Cons

  • Unlike the other best hotel rewards cards on this list, the Hotels.com card won’t offer you bonus points for booking hotels with this card
  • After the first year, you lose your Silver membership unless you qualify for the elite status again
  • Limited Time Offer! Get 2 reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. *Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card. When you collect 10 stamps, you'll get 1 reward night to redeem on future bookings through Hotels.com.
  • Choose from over 500,000 properties in 200+ countries around the world.
  • $0 Annual Fee.
  • For the first year, you'll enjoy Silver membership exclusives such as free breakfast, airport transfers, free WiFi and more at select properties.
  • Pay your monthly cell phone bill with your card and get up to $600 protection against damage or theft (subject to a $25 deductible).
  • No foreign currency conversion fee.
  • Offers reimbursement for non-refundable passenger fare if your trip is interrupted or cancelled for a covered reason, when you passenger fare is booked with your card.
  • See Rates & Fees
Best for beginner travel benefits
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4.5/5
2 - 5X points
more info
  • 5X Earn 5X points on travel purchased through Chase Ultimate Rewards®.
  • 3X Earn 3X points on dining.
  • 2X Earn 2X points on all other travel purchases, plus more.
  • 5X Earn 5X points on travel purchased through Chase Ultimate Rewards®.
  • 3X Earn 3X points on dining.
  • 2X Earn 2X points on all other travel purchases, plus more.
100,000 points
details Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
Intro Bonus tooltip Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
100,000 points
$95

Why we chose it

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Sporting an all-time-high sign-up bonus and 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 or transfer points to one of Chase’s 13 valuable airline and hotel partners.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and 3x Ultimate Rewards points dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $2,000
  • 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
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

Pros

  • You’ll earn 2x Ultimate Rewards points on travel and 3x Ultimate Rewards points dining including eligible delivery services and takeout
  • The current welcome bonus on this card is quite generous. TPG values it at $2,000
  • 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
  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4.5/5
1 - 3X points
more info
  • 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
  • 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
100,000 points
details Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Intro Bonus tooltip Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
100,000 points
$95

Why we chose it

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. 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.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee
  • Bonus categories that are most relevant to business owners; primary car insurance
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee
  • Bonus categories that are most relevant to business owners; primary car insurance
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
  • $95 Annual Fee
Best for premium travelers and restaurant-goers
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4.5/5
1 - 10X points
more info
  • 10X Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5X Earn 5X total points on air travel through Chase Ultimate Rewards®.
  • 3X Earn 3X points on other travel and dining.
  • 1X Earn 1 point per $1 spent on all other purchases
  • 10X Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5X Earn 5X total points on air travel through Chase Ultimate Rewards®.
  • 3X Earn 3X points on other travel and dining.
  • 1X Earn 1 point per $1 spent on all other purchases
60,000 points
details Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Intro Bonus tooltip Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
60,000 points
$550

Why we chose it

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous 3x points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card.

Pros

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward

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. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more

Pros

  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • Unlimited 3x points on the broad category of travel and dining
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Reward

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. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 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 for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Best for nonbonus spending (and drugstores, dining and Chase Travel)
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
1.5 - 5% cash-back
more info
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1.5% Earn unlimited 1.5% cash back on all other purchases.
  • 5% Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • 5% Earn 5% on Chase travel purchased through Ultimate Rewards®.
  • 3% Earn 3% on dining and drugstores.
  • 1.5% Earn unlimited 1.5% cash back on all other purchases.
$200
details Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Intro Bonus tooltip Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
$200
$0

Why we chose it

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.

Pros

  • At least 1.5% back on every purchase, with up to 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
  • 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 Chase travel purchased through Ultimate Rewards®, 3% on dining 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.

Pros

  • At least 1.5% back on every purchase, with up to 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
  • 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 Chase travel purchased through Ultimate Rewards®, 3% on dining 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.
Best for easy earning and redemptions
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4.5/5
2X points
more info
  • 2X Earn unlimited 2X miles on every purchase, every day.
  • 2X Earn unlimited 2X miles on every purchase, every day.
60,000 miles
details Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
Intro Bonus tooltip Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
60,000 miles
$95

Why we chose it

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2x miles on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 60,000 miles, valued by TPG at $1,020
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 60,000 miles, valued by TPG at $1,020
  • You'll earn 2x on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • Enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees
Best low-cost card for Marriott guests
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
2 - 17X points
more info
  • 17X Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™
  • 10X 10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening
  • 2X 2X Bonvoy points for every $1 spent on all other purchases.
  • 17X Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™
  • 10X 10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening
  • 2X 2X Bonvoy points for every $1 spent on all other purchases.
3 Free Nights
details Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening
Intro Bonus tooltip Earn 3 Free Nights (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening
3 Free Nights
$95

Why we chose it

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

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 Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

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 Nights (each night valued up to 50,000 points) after qualifying purchases + 10X total points on eligible purchases in select categories.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
  • 2X Bonvoy points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year. Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.
Best for Alaska Airlines flyers
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
4/5
1 - 3X points
more info
  • 3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
  • 1X Unlimited 1 mile for every $1 spent on all other purchases.
  • 3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
  • 1X Unlimited 1 mile for every $1 spent on all other purchases.
50,000 miles
details Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
Intro Bonus tooltip Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
50,000 miles
$75

Why we chose it

There’s a lot to love about the Alaska Airlines Visa Signature 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 Pass each year for $121, free checked bags for you and up to six guests on your itinerary, 50% off Alaska lounge day passes and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities.

Pros

  • Free checked bag for you and up to six guests on your reservation
  • Several Alaska discounts, including 50% off Alaska lounge day passes and 20% back on in-flight purchases
  • No foreign transaction fees

Cons

  • $75 annual fee
  • Not the best everyday rewards rate, as you'll earn 3x miles on Alaska purchases and 1x on everything else
  • Special Online Offer – 50,000 Bonus Miles!
  • Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare certificate which allows you to book a companion flight from just $121 ($99 fare plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.
  • Free checked bag for you and up to 6 guests on the same reservation – that's a savings of $60 per person roundtrip!
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases.
  • With oneworld® Alliance we’ve expanded our global reach to over 1,000 destinations worldwide, bringing you more airline partners and more ways to earn and redeem miles.
  • Flexibility when booking with no blackout dates on Alaska Airlines flights and miles don’t expire on active accounts.
  • Plus, no foreign transaction fees and a low $75 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.

Pros

  • Free checked bag for you and up to six guests on your reservation
  • Several Alaska discounts, including 50% off Alaska lounge day passes and 20% back on in-flight purchases
  • No foreign transaction fees

Cons

  • $75 annual fee
  • Not the best everyday rewards rate, as you'll earn 3x miles on Alaska purchases and 1x on everything else
  • Special Online Offer – 50,000 Bonus Miles!
  • Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make purchases of $2,000 or more within the first 90 days of opening your account.
  • Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare certificate which allows you to book a companion flight from just $121 ($99 fare plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.
  • Free checked bag for you and up to 6 guests on the same reservation – that's a savings of $60 per person roundtrip!
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases.
  • With oneworld® Alliance we’ve expanded our global reach to over 1,000 destinations worldwide, bringing you more airline partners and more ways to earn and redeem miles.
  • Flexibility when booking with no blackout dates on Alaska Airlines flights and miles don’t expire on active accounts.
  • Plus, no foreign transaction fees and a low $75 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.
Best for Bank of America members
TPG Editor's Rating tooltip Card Rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
3.5/5
1.5 - 2X points
more info
  • 2X Earn unlimited 2 points for every $1 you spend on travel and dining purchases.
  • 2X Earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • 1.5X Earn 1.5 points for every $1 you spend on all other purchases.
  • 2X Earn unlimited 2 points for every $1 you spend on travel and dining purchases.
  • 2X Earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • 1.5X Earn 1.5 points for every $1 you spend on all other purchases.
50,000 points
details Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
Intro Bonus tooltip Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
50,000 points
$95

Why we chose it

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 50,000-point sign-up bonus after spending $3,000 in the first 90 days of account opening.

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 Pre✓® 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
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • Earn 1.5 points for every $1 you spend on all other purchases. No limit to the points you can earn and your points don't expire.
  • 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 up to 3.5 points for every $1 spent on travel and dining purchases.
  • 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 Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • 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.

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 Pre✓® 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
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 you spend on travel and dining purchases. Plus, earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • Earn 1.5 points for every $1 you spend on all other purchases. No limit to the points you can earn and your points don't expire.
  • 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 up to 3.5 points for every $1 spent on travel and dining purchases.
  • 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 Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • No Foreign Transaction Fees
  • Low $95 annual fee
  • 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.

The Best Visa Credit Cards of 2021

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Hotels.com® Rewards Visa® Credit Card Best for booking cheap hotels across multiple brands Get 2 Reward Nights Worth $250 Total
  • Collect 1 stamp for every night you stay at any eligible property booked on Hotels.com and collect 1 stamp each time you spend $500 on purchases with your card.
No Annual Fee
Chase Sapphire Preferred® Card Best for beginner travel benefits 100,000 points
  • Earn 5X points on travel purchased through Chase Ultimate Rewards®.
  • Earn 3X points on dining.
  • Earn 2X points on all other travel purchases, plus more.
$95
Ink Business Preferred® Credit Card Best for business owners 100,000 points
  • 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 – with no limit to the amount you can earn
$95
Chase Sapphire Reserve® Best for premium travelers and restaurant-goers 60,000 points
  • Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • Earn 5X total points on air travel through Chase Ultimate Rewards®.
  • Earn 3X points on other travel and dining.
  • Earn 1 point per $1 spent on all other purchases
$550
Chase Freedom Unlimited® Best for nonbonus spending (and drugstores, dining and Chase Travel) $200
  • 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 5% on Chase travel purchased through Ultimate Rewards®.
  • Earn 3% on dining and drugstores.
  • Earn unlimited 1.5% cash back on all other purchases.
$0
Capital One Venture Rewards Credit Card Best for easy earning and redemptions 60,000 miles
  • Earn unlimited 2X miles on every purchase, every day.
$95
Marriott Bonvoy Boundless™ Credit Card Best low-cost card for Marriott guests 3 Free Nights
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™
  • 10X total points per $1 spent on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores within 6 months from account opening
  • 2X Bonvoy points for every $1 spent on all other purchases.
$95
Alaska Airlines Visa Signature® credit card Best for Alaska Airlines flyers 50,000 miles
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
  • Unlimited 1 mile for every $1 spent on all other purchases.
$75
Bank of America® Premium Rewards® credit card Best for Bank of America members 50,000 points
  • Earn unlimited 2 points for every $1 you spend on travel and dining purchases.
  • Earn 2 points for every $1 spent on grocery store purchases - now through 12/31/21.
  • Earn 1.5 points for every $1 you spend on all other purchases.
$95

  

Details on the best Visa cards

Let’s take a deeper dive into each of these cards and see how they can fit into your wallet.

Chase Sapphire Preferred

Sign-up bonus: 100,000 bonus points after you spend $4,000 on purchases in the first three months of account opening.

Annual fee: $95

Why you’ll love it: The Chase Sapphire Preferred is arguably the card that made travel points and miles what they are today and there are plenty of reasons why this Visa card should be the next addition to your wallet. The current offer is also one of the highest offers we’ve seen for this card in quite some time and is valued at an exciting $1,600 towards travel.

The card’s 3x on dining and 2x on the broad description of travel (including airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, parking lots and garages) will help you pile up points quickly. Additionally, you can earn 5x total points on all travel purchased through Chase Ultimate Rewards, 3x points on select streaming services, 3x points on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2x points on all other travel, 1x point on all other purchases

Another great perk to offset the annual fee is that you can currently receive up to $60 back on eligible Digital or All-Access membership through Dec. 31, 2021.

Chase Ultimate Rewards points are among the most valuable rewards available since you can get 25% more value on travel when you redeem your points directly through the Chase travel portal. You can also transfer your points to any of Chase’s 10 airline and three hotel transfer partners.

The Sapphire Preferred has no foreign transaction fees and offers valuable trip delay protectiontrip interruption and cancellation protectiondelayed baggage coverage and primary rental car insurance.

Check out our full card review for more details.

Related: 6 Chase Sapphire Preferred benefits you might not know about

Ink Business Preferred Credit Card

Sign-up bonus: 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening

Annual fee: $95

Why you’ll love it: Although it’s not Chase’s most-premium card offering, the Ink Business Preferred has an excellent sign-up bonus and rewards categories that fit common small-business expenses. The card’s 100,000 Ultimate Rewards bonus points are worth a mind-boggling $2,000, based on TPG’s latest valuations.

This is also a great Visa card that business owners can use long-term. Your annual fee of $95 will get you access to free employee cards, no foreign transaction fees and cellphone insurance, as well as some strong business-friendly bonus categories, including 3x for your first $150,000 each account anniversary year spent on travel, shipping, internet, cable, phone services, social media advertising and search engine advertising.

Check out our full card review to learn more.

Related: 5 reasons to get the Chase Ink Business Preferred credit card

Chase Sapphire Reserve

(Photo by The Points Guy)
(Photo by The Points Guy)

Sign-up bonus: 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening

Annual fee: $550 (though some with upcoming renewal dates are receiving a $100 statement credit to lessen the blow from coronavirus-related travel slowdowns)

Why you’ll love it: The Chase Sapphire Reserve continues to be one of the best credit cards for travelers. This Visa card’s $550 annual fee is offset by premium benefits — most notably a $300 annual travel credit (good for anything from Uber rides to plane tickets to hotels) that is even more flexible in 2021, bringing your actual out-of-pocket cost down to $250 a year. The Sapphire Reserve also offers 3x on travel (excluding the $300 travel credit) and dining, which are both loosely defined to include spending on items such as public transit and meal delivery services. You’ll also earn 10x on Lyft through March 2022.

Other limited-time perks include up to $120 back towards Peloton Digital or All-Access Membership (through Dec. 31, 2021), up to $120 in DoorDash credits ($60 in 2021), a full year of complimentary DashPass membership (must activate by Dec. 31, 2021) and a free year of Lyft Pink.

You get access to a concierge service and travel perks that include a Priority Pass Select membership and a Global Entry/TSA PreCheck application fee credit. The Sapphire Reserve also offers travel and car rental coverage similar to the Sapphire Preferred, although the terms are slightly different. Check out our guide to Chase Sapphire Preferred vs. Chase Sapphire Reserve: Which Credit Card to Get for a full comparison.

Check out our full card review to learn more.

Related: What credit score do you need to get the Chase Sapphire Reserve?

Chase Freedom Unlimited

Sign-up bonus: $200 cash back after spending $500 on purchases in the first three months of account opening. Plus, earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.

Annual fee: None

Why you’ll love it: The Chase Freedom Unlimited is a versatile Visa card that can be used alone or paired with other cards.

Earn an unlimited 1.5% cash back on purchases.

As part of Chase’s latest rollout, the issuer recently added three higher-earning categories, allowing cardholders to boost their rewards on the following:

  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining
  • 3% back at drugstores

However, since Chase lets you pool points between its credit cards if you also hold one of the first three cards on this list — a Chase Sapphire ReserveInk Business Preferred or Chase Sapphire Preferred — you can transfer your points from the Freedom Unlimited to these cards, turning them into full-fledged Ultimate Rewards points.

This means you can transfer them to Chase’s hotel or airline partners and potentially get much more than just 1 cent apiece. In fact, TPG values Ultimate Rewards points at 2 cents each; 1.5 points per dollar on purchases with the Freedom Unlimited multiplied by 2 cents gives you a consistent 3% return, making the card one of the most compelling cards for everyday spending even after the first year.

This makes a solid no-annual-fee card incredibly lucrative — and dare I say it, exciting.

Check out our full card review for all the details.

Related: Why Chase Sapphire Preferred and Freedom Unlimited is the perfect beginner combo

Capital One Venture Rewards Credit Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Sign-up bonus: 60,000 bonus miles after you spend $3,000 on purchases within the first three months of account opening.

Annual fee: $95

Why you’ll love it: With this great beginner travel card from Visa, you’ll earn 2x miles on every purchase. The Venture offers a simple way to earn and redeem your miles. You can either redeem them as a statement credit for 1 cent apiece for recent travel purchases made with your card or you can transfer miles earned from the Venture card to transfer partners. Through June 30, 2021, you can even redeem your miles against takeout orders and streaming services.

The Venture also offers a Global Entry or TSA PreCheck application fee credit (up to $100) — a feature many mid-tier travel cards do not have.

Check out our Capital One Venture card review.

Related: 5 reasons to get the Capital One Venture Rewards card

Marriott Bonvoy Boundless Credit Card

(Photo by The Points Guy)

Sign-up bonus: Earn 3 Free Night Awards (each free night award has a redemption value up to 50,000 bonus points, that’s a value of up to 150,000 total points) after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 10X total points on up to $2,500 in combined purchases at grocery stores, restaurants, and gas stations within the first 6 months from account opening.

Annual fee: $95

Why you’ll love it: If you stay at Marriott hotels or would like to, the Bonvoy Boundless card is attractive because of its up to 17 Bonvoy points per $1 spent at over 7,000 participating Marriott Bonvoy hotels. Plus, you get a free night award on each account anniversary valid at any property charging up to 35,000 points per night. If used well, this free night should more than offset the card’s annual fee, although you won’t get your first annual free-night award until your first account anniversary. Plus, you’ll get automatic Silver Elite status in the form of 15 elite-night credits each year.

Additionally, Marriott just announced that they’d be discounting the number of points required for a free night award by 10% for all award reservations booked by Feb. 21 for travel through Sept. 30, 2021 — allowing your credit card points to go even further.

Check out our full card review for more details.

Related: Does it make sense to hold multiple Marriott Bonvoy credit cards?

Alaska Airlines Visa Signature® credit card

Sign-up bonus: Earn 50,000 bonus miles and Alaska’s Famous Companion Fare from $121 ($99 fare plus taxes and fees from $22) after you make $2,000 or more in purchases within the first 90 days of account opening.

Annual fee: $75

Why you’ll love it: Alaska Mileage Plan miles are consistently ranked as the most valuable airline miles in TPG’s monthly valuations. Alaska offers generous routing rules, amazing alliance and non-alliance partners and almost laughably low award rates. However, Alaska miles are hard to earn outside of frequent sales and its transfer partnership with Marriott. Because of that, its Visa credit card can be a valuable tool in your points-and-miles strategy. However, it may become easier for cardholders since Alaska Airlines is joining the Oneworld alliance (hopefully later this year) and has re-upped its partnership with American Airlines.

The $75 annual fee is lower than most credit cards for airline miles and the included annual companion certificate can more than make up for the cost.

Related: Here’s why Alaska Airlines miles are the most valuable

Bank of America® Premium Rewards® credit card

Sign-up bonus: 50,000 points after you spend $3,000 in purchases in the first 90 days of account opening

Annual fee: $95

Why you’ll love it: If you’re looking for cash back more than travel rewards, the Bank of America Premium Rewards card has the potential to be one of the most rewarding options for existing Bank of America members. In addition to a sign-up bonus worth $500 (as points are worth a fixed 1 cent each), this Visa card has a unique earning structure. You’ll earn 1.5x back on all purchases except for travel and dining, which earn 2x. Plus, earn 2 points for every $1 spent on grocery store purchases- now through Dec. 30, 2021. That isn’t groundbreaking, but certain Bank of America customers are eligible for higher bonus rates.

If you have an eligible Bank of America checking account and a three-month average combined balance of $20,000 or more in Bank of America and eligible Merrill investment accounts, you can sign up for the Bank of America Preferred Rewards program. This will increase your earnings on the Premium Rewards card by an amount based on your account balance:

Spend Categories Tier 1 – Gold ($20,000 – $50,000) Tier 2 – Platinum ($50,000 – $100,000) Tier 3 – Platinum Honors ($100,000+)
Travel/Dining Earnings 2.5x points 3x points 3.5x points
Other Earnings 1.875x points 2.25x points  2.62x points

Even at the high end, this isn’t quite as strong as the Chase Sapphire Reserve, which offers an equivalent of 6% back on travel and dining. However, remember that the Premium Rewards card has a much lower annual fee. If you’re after a cash-back credit card and all the flexibility it affords, 2.625% for everyday spending is about as good as it gets — if you’re able to reach the Platinum Honors tier.

Related: The best Bank of America credit cards

How we chose the best Visa cards

We reviewed the Visa credit card lineup and studied their sign-up bonuses, rewards, perks and annual fees. Since Visa does not issue cards directly like American Express, we evaluated cards from various financial institutions like Chase and Bank of America along with cobranded partners to determine this list.

As always, head to the TPG cards hub to see the best credit cards currently available.

Related: Comparing Visa Signature and World Elite Mastercard benefits

FAQs

What are the different types of Visa cards?

Visa is not a card issuer directly, but Visa cards come with various benefits baked in. There are three variants: Visa, Visa Signature and Visa Infinite. Basic Visa cards usually come with standard benefits such as zero fraud liability and an auto rental collision damage waiver.

What is Visa Infinite and what is Visa Signature?

Visa Signature cards — such as the Chase Sapphire Preferred — come with more enhanced travel benefits and purchase protection. Some Visa Signature cards include specific travel-related assurances like:

Visa Infinite cards are at the top of Visa’s lineup and have perks, including Infinite concierge, car rental privileges, and a Global Entry application fee credit. These Visa Infinite cards, like the Chase Sapphire Reserve, all have an annual fee of at least $550 or more.

Bottom line

It’s worth knowing which payment network your credit cards use. You shouldn’t apply for or use cards based solely on the payment network, but you should try to have a diverse mix in your wallet. Especially before you travel outside the country or try to make large purchases, you should have different types of credit cards available in case a merchant can’t process one of them. There’s nothing worse than getting to the end of a meal or a long cab ride in a foreign country, only to find out you don’t have a way to pay your bill.

Additional reporting by Stella Shon, Madison Blancaflor and Chris Dong. 

Featured photo by The Points Guy. 

Updated on 9/08/21

Summer Hull aka Mommy Points, ran the Mommy Points site for families who want to travel more for less using miles and points for seven years and now heads up TPG Family when she isn't exploring the world with her own two girls.
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