The 5+ benefits of a Visa credit card | April 2018 | finder.com
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Visa credit cards

Enjoy worldwide acceptance, the latest payment technology and exclusive perks with a Visa credit card.

Instead of issuing its own credit cards or lines of credit, Visa is a third-party payment processor. Many US credit cards come equipped with Visa functionality. Which means that when you get a card with the Visa logo on it, you can use it to make payments in stores, online and by phone in more than 200 countries. Depending on the Visa credit card you choose, you can also look forward to perks, exclusive offers and the security of Verified by Visa.

Use our guide to compare Visa credit cards, discover the perks of using Visa and the factors you should consider before applying for one.

Simmons Bank Visa® Platinum

Our pick: Simmons Bank Visa Platinum

The Simmons Bank Visa® Platinum Card offers multiple perks, including one of the lowest available APRs on the market.

  • 8.25% variable APR
  • $0 annual fee
  • $0 balance transfer fee
  • Travel coverage

    Compare Visa credit cards

    Rates last updated April 24th, 2018
    Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
    primor® Secured Visa Gold Card
    9.99% variable
    $49
    Fast, easy application process. No processing or application fees!
    primor® Secured Visa Classic Card
    13.99% variable
    $39
    Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line.
    OpenSky® Secured Visa® Credit Card
    18.64% variable
    $35
    A secured Visa® credit card that helps you build your credit quickly.
    Credit One Bank® Unsecured Platinum Visa®
    19.15% - 25.24% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Give your credit a boost with credit line increase opportunities, a fee may apply.
    Credit One Bank® Unsecured Visa® with Free Credit Score Tracking
    19.15% - 25.24% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Get 1% cash back rewards on eligible purchase, terms apply.
    Official NASCAR® Credit Card from Credit One Bank®
    17.24% - 25.24% variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Get double cash back rewards at the NASCAR.com Superstore, terms apply.
    Credit One Bank® Unsecured Platinum Visa® Credit Card
    19.15% - 25.24% variable
    $0 to $75 annual fee for the first year ($0 to $99 thereafter)
    Enjoy peace of mind with $0 Fraud Liability. Receive 1% cash back on eligible purchases, terms apply.
    Credit One Bank® Visa® with Free Credit Score Tracking
    19.15% - 25.24% Variable
    $0 to $75 first year annual fee for the first year ($0 to $99 thereafter)
    Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
    The First Access VISA® Credit Card
    29.99% variable
    $75.00 for first year. After that, $48.00 annually.
    Access credit even if you have poor or limited credit history.
    UNITY Visa Secured Credit Card
    17.99% fixed
    9.95% Intro APR for 6 months (with Whichever is greater: $10 or 3% balance transfer fee)
    $39
    Borrow up to $10000 and get your credit score back on track.
    Chase Freedom® credit card
    16.24% to 24.99% variable
    0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
    $0
    Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
    USAA Rewards™ Visa Signature®
    11.15% to 27.15% variable
    $0
    Earn points on everyday purchases. Earn one point for every dollar spent on your everyday purchases. Get 2500 bonus points with your first purchase.
    USAA Rate Advantage Visa Platinum®
    8.15% to 25.15% variable
    $0
    This card offers the same low rate for purchases, cash advances and balance transfers.
    USAA Preferred Cash Rewards Visa Signature®
    13.15% to 27.15% variable
    $0
    Earn 1.5% cash back on every purchase. There's no limit on the amount you can earn.
    Capital One® Venture® Rewards Credit Card
    14.24%, 19.24% or 24.24% variable
    $$0 intro for the first year, $95 after
    Earn 50000 bonus miles once after spending $3,000 on purchases within the first 3 months from account opening.
    Capital One Spark Miles Select for Business
    14.24%, 18.24% or 22.24% variable
    $0
    Unlimited 1.5X miles per dollar on every purchase, every day
    Capital One Spark Miles for Business
    18.24% variable
    $0 annual fee for the first year ($95 thereafter)
    Unlimited 2X miles per dollar on every purchase, every day
    Capital One Spark® Classic for Business
    24.24% variable
    $0
    Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day
    Capital One Spark® Cash Select for Business
    14.24%, 18.24% or 22.24% variable
    $0
    Unlimited 1.5% cash back on every purchase, every day.
    BankAmericard Cash Rewards™ Credit Card
    14.49% to 24.49% variable
    0% Intro APR for 12 statement closing dates (with whichever is greater, $10 or 3% balance transfer fee)
    $0
    Earn more cash back for the things you buy most.
    Capital One Spark Cash for Business
    18.24% variable
    $0 intro for the first year, $95 thereafter
    Unlimited 2% cash back from Spark Cash could mean thousands of dollars each year going back into your business. No minimum to redeem.
    Chase Sapphire Preferred® credit card
    17.24% to 24.24% variable
    $0 annual fee for the first year ($95 thereafter)
    Earn 2X points on travel and dining at restaurants.
    BankAmericard Travel Rewards® Credit Card
    16.24% to 24.24% variable
    $0
    Ditch the restrictions of typical airline rewards cards. Any airline, any hotel, anytime. No blackout dates.

    Compare up to 4 providers

    What are the benefits of using a Visa credit card?

    Banks and other credit card companies typically decide on the features that are available with individual Visa options. But some of the standard Visa benefits you can expect are:

    • 24/7 customer service

    If you have a Visa card, you can make use of Visa’s round-the-clock Visa Global Customer Care Services to report lost and stolen cards from anywhere in the world. Contact the Visa team at 1-800-847-2911 in the US or Canada or at 1-303-967-1096 internationally.

    • Visa Checkout

    If you sign up to Visa Checkout, this service will securely save your payment and shipping information so you can spend less time at the checkout when spending with partnered merchants.

    • Concierge service

    Visa Signature credit cards come with a 24/7 global concierge service. You can contact your concierge at 1-800-953-7392 for anything from booking restaurant reservations or scoring tickets to a concert to sending flowers to a loved one.

    • Complimentary insurance

    Certain Visa credit cards offer complimentary insurance covers. Some of the common complimentary insurances you can find with such cards include lost or stolen card reporting, auto rental collision damage waiver, zero liability, roadside dispatch, emergency card replacement and emergency cash disbursement.

    • Visa offers

    As a Visa cardholder, you can look forward to exclusive discounts and deals with partnered merchants such as GNC, Enterprise, Target.com, Cole Haan and much more. You can see a full list of the available offers on the Visa website.

      visa-card-banner895x250

      How can I compare Visa credit cards?

      As many credit card issuers offer Visa cards, here are a few other factors you can consider when comparing your options:

      • Fees. Visa cards can vary from no frills offers to premium products, so expect fees to vary.
      • Interest rates. If you don’t always pay your balance in full, compare Visa cards by the standard purchase rate. Some cards also come with 0% promotional interest rates, which can help you save on interest costs. If you plan to use the card for ATM withdrawals or to purchase online gaming chips, compare cards by cash advance rates instead.
      • Rewards. Some Visa cards come linked to rewards and frequent flyer programs, allowing you to earn points as you spend. If you’re a regular spender who often pays your balance in full, a rewards credit card can be a useful way to get more value from your Visa.
      • Credit limit. While your approved credit limit will depend on factors such as income and credit history, you should apply for a credit limit that can support your financial needs without tempting you to overspend.
      • Eligibility requirements. Different Visa cards will come with specific eligibility requirements including minimum annual income, credit history, age and residential status.

      What is Visa?

      Visa’s history dates back to 1958, when Bank of America launched the BankAmericard. This was the first mass-marketed credit card program and it quickly grew in popularity with US consumers. Almost two decades later, BankAmericard was no longer affiliated with Bank of America and went on to be a part of the Visa brand.

      Visa now operates in more than 200 countries and territories. A Visa credit card makes the access of money simple, no matter where you are. With so many credit card options available, be sure to research and apply for cards that will benefit you the most.

      American Express vs. Visa credit cards

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    US Credit Card Offers

    Important Information*
    Deserve® Classic Card
    Deserve® Classic Card

    APR

    24.24
    variable

    Annual fee

    0 For the first year
    More info
    Luxury Card Mastercard® Gold Card™
    Luxury Card Mastercard® Gold Card™

    APR

    16.49
    variable

    Annual fee

    0 For the first year
    More info
    The First Access VISA® Credit Card
    The First Access VISA® Credit Card

    APR

    29.99
    variable

    Annual fee

    75 For the first year
    More info
    Indigo® Platinum Mastercard® Credit Card
    Indigo® Platinum Mastercard® Credit Card

    APR

    23.9
    variable

    Annual fee

    75 For the first year
    More info
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