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

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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.

Compare Visa credit cards

Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
9.99% fixed
$49
Fast, easy application process. No processing or application fees!
13.99% fixed
$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.
19.14% variable
$35
A secured Visa® credit card that helps you build your credit quickly.
19.74% to 25.74% variable
$0 to $99
Give your credit a boost with credit line increase opportunities, a fee may apply.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchase, terms apply.
19.74% to 25.74% variable
$0 to $99
Get double cash back rewards at the NASCAR.com Superstore, terms apply.
19.74% to 25.74% variable
$0 to $99
Enjoy peace of mind with $0 Fraud Liability. Receive 1% cash back on eligible purchases, terms apply.
19.74% to 25.74% variable
$0 to $99
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
17.99% fixed
9.95% for the first 6 months (then to fixed)
$39
Borrow up to $10,000 and get your credit score back on track.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
8.65% to 25.65% variable
$0
This card offers the same low rate for purchases, cash advances and balance transfers.
13.65% to 27.65% variable
$0
Earn 1.5% cash back on every purchase with no limits or category restrictions. Pay no annual fee, no penalty APR and no foreign transaction fees.
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.
14.74%, 18.74% or 22.74% variable
$0
Unlimited 1.5X miles per dollar on every purchase, every day
18.74% variable
$0 annual fee for the first year ($95 thereafter)
Unlimited 2X miles per dollar on every purchase, every day
24.74% variable
$0
Get the credit you want for your business, and unlimited 1% cash back on every purchase, every day
14.74%, 18.74% or 22.74% variable
$0
Unlimited 1.5 cash back on every purchase, every day.
14.99% to 24.99% variable
0% for the first 12 statement closing dates (then 14.99% to 24.99% variable)
$0
Earn more cash back for the things you buy most.
18.74% variable
$0 annual fee 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.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
16.74% to 24.74% variable
$0
20,000 online bonus points offer. 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

24.49
variable

Annual fee

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

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa 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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