Visa is the largest payment network in the world and they have some great credit cards to offer. With that in mind, let’s take a look at the best Visa credit cards from our partners to have in your wallet.
- 5x 5x on travel purchased through Chase Ultimate Rewards®
- 3x 3x on dining.
- 2x 2x on all other travel purchases, plus more.
The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred.
- 5X Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
- 2X Earn unlimited 2X miles on every purchase, every day.
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 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.
- 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
- 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
- 3x Earn 3x points on other travel and dining.
- 1x Earn 1 point per $1 spent on all other purchases
The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve.
- 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
The Ink Business Unlimited’ s sign-up bonus gives you a generous $900 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.
- 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
- 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
The Ink Business Preferred Credit Card’s sign-up bonus is 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. Read our full review of the Ink Business Preferred.
- 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, 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% on all other purchases
The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited.
- 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, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card.
- 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases
- 1.5X Unlimited 1.5 points per $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 50,000-point sign-up bonus after spending $3,000 in the first 90 days of account opening. Read our full review of the Bank of America Premium Rewards card.
- 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.
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 from $121 ($99 fare plus taxes and fees from $22), free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our full review of the Alaska Airlines Visa Signature credit card.
- 17X Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
- 3X Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
- 2X 2X points for every $1 spent on all other purchases.
The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards. Read our full review of the Marriott Bonvoy Boundless.
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|Card||Best for||Welcome Offer/Sign Up Bonus||Earning Rate||Annual Fee|
|Chase Sapphire Preferred® Card||Best for beginner travel benefits||60,000 points||
|Ink Business Preferred® Credit Card||Best for business owners||100,000 points||
|Capital One Venture Rewards Credit Card||Best for easy earning and redemptions||75,000 miles||
|Chase Freedom Unlimited®||Best for nonbonus spending (and drugstores, dining and Chase Travel)||Earn an Additional 1.5% Cash Back||
|Bank of America® Premium Rewards® credit card||Best for Bank of America members||50,000 points||
|Alaska Airlines Visa Signature® credit card||Best for Alaska Airlines flyers||Limited Time Online Offer - 50,000 Bonus Miles||
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: 60,000 bonus points after you spend $4,000 on purchases in the first three months from 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 $1,200 towards travel.
The card’s 3 points per dollar on dining and 2 points per dollar 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, 3 points per dollar on select streaming services, 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other travel, 1 point per dollar on all other purchases
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 11 airline and three hotel transfer partners.
The Sapphire Preferred has no foreign transaction fees and offers valuable trip delay protection, trip interruption and cancellation protection, delayed baggage coverage and primary rental car insurance.
Check out our full card review for more details.
Official application link: Chase Sapphire Preferred
Chase Sapphire Reserve
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.
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), bringing your actual out-of-pocket cost down to $250 a year. The Sapphire Reserve also offers 3 points per dollar 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 2025.
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.
Official application link: Chase Sapphire Reserve
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 3 points per dollar 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.
Official application link: Ink Business Preferred
Capital One Venture Rewards Credit Card
Sign-up bonus: 75,000 bonus miles after you spend $4,000 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 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.
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.
Official application link: Capital One Venture
Hotels.com® Rewards Visa® Credit Card
The information for the Hotels.com Rewards Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Sign-up bonus: Earn three reward nights worth $375 total (max $125 per night)* with qualifying purchases. Earn two rewards nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first three months. Plus, earn another rewards night worth $125 when you spend $4,000 in total purchases within the first six months. *Excludes taxes and fees.
Annual fee: $0.
Why you’ll love it: Sure, you could apply for a hotel credit card with your preferred hotel chain, but that means you’re locked into that program. For pure flexibility, the Hotels.com credit card offers something unique — the opportunity to earn rewards nights based on eligible stays. Once you accrue 10 stamps, you’ll get one reward night — a pretty fantastic deal for a card with no annual fee or currency conversion fees.
Check out our full card review for more details.
Chase Freedom Unlimited
Sign-up bonus: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!
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.
You’ll 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 Reserve, Ink 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.
Official application link: Chase Freedom Unlimited
Alaska Airlines Visa Signature® credit card
Sign-up bonus: 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 $2,000 or more in purchases within the first 90 days of opening your account.
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.
Official application link: Alaska Airlines Visa Signature® credit card
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. 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||2.5 points per dollar||3 points per dollar||3.5 points per dollar|
|Other Earnings||1.875 points per dollar||2.25 points per dollar||2.62 points per dollar|
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.
Official application link: Bank of America Premium Rewards card
Marriott Bonvoy Boundless Credit Card
Sign-up bonus: Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account opening. Certain hotels have resort fees.
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 dollar 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.
Check out our full card review for more details.
Official application link: Marriott Bonvoy Boundless
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.
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.
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 Madison Blancaflor and Chris Dong.
Featured photo by The Points Guy.