The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Credit Cards
At The Points Guy, our goal is to help you maximize your travel experiences while minimizing spending. While we do receive compensation through our credit card application links, ads and clearly indicated sponsored content, our editorial content, points valuations and card analyses are entirely our own. Learn more about our advertising policy and product review methodology.
Best for low-cost card for Marriott guests
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.
The cards on this list feature varying welcome bonuses so that they're more accessible for every type of consumer working with different budgets.
The best Visa credit cards on our list come with annual fees that start at $0 and go up to premium-tier cards that feature heftier annual fees.
Whether you want to earn points, cash back or miles, there's a Visa credit card that's a good fit for your needs. Use the on-page compare tool to help you find the perfect match.
You might prefer redeeming cash back for credit card statements or miles for travel — regardless of your preference, one of our top picks likely offers what you need.
Maybe you want travel protections like delayed baggage insurance or you're looking for the option to extend a product's warranty; the cards we chose offer a wide range of perks so you can tailor your choice to your needs.
First, decide what type of rewards and earning structure will benefit you most. Then, take a look at the available benefits on the cards that align with your lifestyle and preferences. If you travel often and want lounge access and robust travel protections, for instance, you’ll want to choose a Visa Infinite card.
Here are some of the main points to consider when choosing a 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.
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.
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.
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.
Best for low-cost card for Marriott guests
| Rate | Category |
|---|---|
| 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. |
Earn 3 Free Night Awards
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
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.
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.
Best for low-cost card for Marriott guests
Earn 3 Free Night Awards
$95
19.49% - 27.99% Variable
Good Credit, Excellent Credit
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.
Best for beginner traveler benefits
| Rate | Category |
|---|---|
| 5x | Earn 5x on travel purchased through Chase Travel℠. |
| 3x | Earn 3x on dining, vacation homes at top brands, gas & EV charging, top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs). |
| 2x | Earn 2x on all other travel purchases. |
| 1x | Earn 1x on all other purchases. |
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for beginner traveler benefits
75,000 bonus points.
$95
19.49% - 27.74% Variable
670-850
Excellent/Good
The Chase Sapphire Preferred® Card remains one of the easiest travel rewards cards to recommend because it has elevated rewards across everyday spending categories, valuable travel protections, useful statement credits and an approachable annual fee. Whether you're new to points and miles or already maximizing transfer partners, it offers a rare combination of flexibility and long-term value for both beginners and experienced travelers alike.
Best for premium travelers and restaurant-goers
| Rate | Category |
|---|---|
| 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. |
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
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 $3,000 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.
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 $3,000 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.
Best for premium travelers and restaurant-goers
100,000 bonus points.
$795
19.74% - 28.24% Variable
740-850
Excellent
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 $3,000 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.
Best for flexible cash rewards
| Rate | Category |
|---|---|
| 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. |
Earn $200 cash back
$0
18.49% - 27.99% Variable
670-850
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.
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.
Best for flexible cash rewards
Earn $200 cash back
$0
18.49% - 27.99% Variable
670-850
Excellent/Good
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.
Best for freelancers
| Rate | Category |
|---|---|
| 1.5% | Earn unlimited 1.5% cash back on every purchase made for your business |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
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.
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.
Best for freelancers
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
Good, Excellent
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.
Best for business owners
| Rate | Category |
|---|---|
| 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 |
Earn 100,000 bonus points
$95
17.99% - 26.99% Variable
670-850
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred.
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred.
Best for business owners
Earn 100,000 bonus points
$95
17.99% - 26.99% Variable
670-850
Good, Excellent
The Ink Business Preferred Credit Card's sign-up bonus is a generous offer for the card. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred.
Best for Bank of America members
| Rate | Category |
|---|---|
| 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. |
60,000 points
$95
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
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. BofA Rewards™ members get a 10%-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.
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. BofA Rewards™ members get a 10%-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.
Best for Bank of America members
60,000 points
$95
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
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. BofA Rewards™ members get a 10%-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.
Best for frequent Alaska and Hawaiian flyers
| Rate | Category |
|---|---|
| 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. |
Limited-time online offer – 50,000 bonus points + $99 Companion Fare
$95
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
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.
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.
Best for frequent Alaska and Hawaiian flyers
Limited-time online offer – 50,000 bonus points + $99 Companion Fare
$95
19.74% - 27.74% Variable APR on purchases and balance transfers
670-850
Excellent/Good
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.
Best for office supplies
| Rate | Category |
|---|---|
| 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 on dining and gas each account anniversary year. |
| 1% | Earn 1% cash back on all other purchases. |
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
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.
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.
Best for office supplies
Earn $750 bonus cash back
$0
16.99% - 24.99% Variable
670-850
Good, Excellent
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.
What's your favorite Visa card — and why?
Ink Business Preferred® Credit Card“The Ink Business Preferred maintains a place near the front of my wallet due to its 3 points per dollar on general travel purchases and select other business-focused categories (up to a generous account anniversary year cap) and its travel insurance protections.”
Chase Sapphire Reserve®“I recommend the Sapphire Reserve for those who want a premium card. It’s easy to rack up valuable Chase Ultimate Rewards points and thanks to several transfer partners, redeeming my points for travel is also easy. Plus, Visa is accepted almost everywhere, so this card stays in my daily rotation.”
Chase Freedom Unlimited®“Earning a minimum of 1.5% cash back on everything plus 3% on dining and drugstore purchases and an impressive 5% on travel booked through Chase Travel is an unbeatable combination for a no annual fee Visa card.”
Emily Thompson specializes in beginner content as a credit cards editor. She taps into her prior experience as a high school English teacher to help others demystify credit scores and unlock experiences that credit card rewards can make possible.
Stephanie Stevens is an associate writer with TPG's credit cards team. She focuses on creating timely credit cards content for TPG readers.
Nick Ewen is TPG's editor-in-chief and helps readers leverage credit cards (he has more than 25 of them) and loyalty programs to travel more for less. He's been at TPG for over 11 years.
Compliance manager Stanley Sanford has years of compliance experience in the credit card industry dating back to 2017. He's reviewed content for several reputable sites, including CreditCards.com, Bankrate, CNET. and even thepointsguy.com before leading the compliance team for The Points Guy full time in early 2022.
Best for premium perks and benefits
| Credit card | Best for | Intro offer | Earning rate | Annual fee | Apply |
|---|---|---|---|---|---|
| low-cost card for Marriott guests |
| Earn 3 Free Night Awards |
| 2 - 17X points |
| $95 |
| at Chase's secure siteSee rates & fees |
at Chase's secure siteSee rates & fees | beginner traveler benefits | 75,000 bonus points. | 1 - 5X points | $95 | at Chase's secure siteSee rates & fees |
at Chase's secure siteSee rates & fees | premium travelers and restaurant-goers | 100,000 bonus points. | 1 - 8X points | $795 | at Chase's secure siteSee rates & fees |
at Chase's secure siteSee rates & fees | flexible cash rewards | Earn $200 cash back | 1.5 - 5% cash-back | $0 | at Chase's secure siteSee rates & fees |
at Chase's secure siteSee rates & fees | freelancers | Earn $750 bonus cash back | 1.5% cash-back | $0 | at Chase's secure siteSee rates & fees |
at Chase's secure siteSee rates & fees | business owners | Earn 100,000 bonus points | 1 - 3X points | $95 | at Chase's secure siteSee rates & fees |
at Bank of America's secure site | Bank of America members | 60,000 points | 1.5 - 2X points | $95 | at Bank of America's secure site |
Limited-Time Offer at Bank of America's secure site | frequent Alaska and Hawaiian flyers | Limited-time online offer – 50,000 bonus points + $99 Companion Fare | 1 - 3X points | $95 | at Bank of America's secure site |
at Chase's secure siteSee rates & fees | office supplies | Earn $750 bonus cash back | 1 - 5% cash-back | $0 | at Chase's secure siteSee rates & fees |
 U.S. Bank Altitude™ Reserve Visa Infinite® Card | premium perks and benefits | 50,000 points | 1 - 5X points | $400 | Go to review |
| Rate | Category |
|---|---|
| 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 |
50,000 points
$400
21.74% - 28.74% (variable)
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.
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.
Best for premium perks and benefits
50,000 points
$400
21.74% - 28.74% (variable)
740-850
Excellent
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.
740-850