11+ premium benefits for Visa Signature cardholders | finder.com
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How do Visa Signature cards work?

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Visa Signature cards are loaded with premium features you won’t find with your everyday card.

You might not think too much about that Visa logo on your card. But take a closer look: Do you see the word “Signature” beneath it? If so, you’ll get special features you don’t find with a traditional Visa.

Our pick for a Visa Signature card

Chase Sapphire Preferred® Card

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred named "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2x points on travel and dining at restaurants worldwide and 1 point per dollar spent on all other purchases
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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Compare Visa Signature credit cards

Name Product Welcome Offer Rewards Annual Fee
50,000 points after spending $4,000 in the first 3 months
2x points on travel and dining. 1x points on all other purchases
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
Earn unlimited $1.5 cash back rewards on every purchase made for your business.
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening
$500 bonus cash back after you spend $3,000 in the first 3 months
$0
$500 bonus cash back after you spend $3,000 in the first 3 months
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®.
Earn 3x points on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and on advertising purchases made with social media sites and search engines each account anniversary year. Earn unlimited 1x points on all other purchases
$95
80,000 bonus points after you spend $5,000 on purchases in the first 3 months after account opening. That's $1,000 toward travel rewards when you redeem through Chase Ultimate Rewards®
Earn a $100 bonus after spending $1,500 on purchases in the first 90 days from account opening
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card
$0
2% cash back for all PenFed Honors Advantage members and 1.5% cash back on all purchases made with your card.

Compare up to 4 providers

Visa Traditional vs. Visa Signature

Here’s a breakdown of what you’ll find with a normal Visa versus a more well-rounded Visa Signature.

Visa Traditional Visa Signature
Auto rental collision damage waiver checkmark checkmark
Cardholder inquiry service checkmark checkmark
Emergency cash disbursement and card replacement checkmark checkmark
Lost or stolen card reporting checkmark checkmark
Roadside dispatch checkmark checkmark
Zero liability checkmark checkmark
Rewards programs checkmark
Travel and emergency assistance services checkmark
Warranty Manager Service checkmark
Year-end summary statement checkmark
Visa Signature Fine Wine and Food checkmark
Visa Signature Concierge checkmark
Visa Signature Entertainment checkmark
Visa Signature Sports checkmark
Visa Signature Travel checkmark
  • = Comes standard
  • = Does not come standard

*Some nonstandard benefits may be offered by the card issuer.

Visa Traditional and Visa Signature standard features

Even your typical Visa comes with valuable basic features. Particularly helpful are collision damage waivers for car rentals and Visa’s Roadside Dispatch service.

Auto rental collision damage waiver

An auto rental collision damage waiver (CDW) will reimburse you if your rental car is damaged or stolen. You’ll also be reimbursed for most loss-of-use charges — fees that cover the rental car company’s lost income — and towing charges.

To receive the auto rental CDW, you must pay for the rental with your Visa. You must also be the primary renter of the vehicle. The CDW benefit is valid for rentals up to 15 days in your own country and up to 31 days in foreign countries.
What is rental car insurance — and why do I need it?

Roadside Dispatch

If you have problems with your vehicle while you’re on the road, you can call Roadside Dispatch 24/7.
Services include:

  • Towing
  • Tire change
  • Jump start
  • Lockout service
  • Fuel delivery
  • Winching (which extracts your vehicle if it’s stuck)

You’ll pay a flat $59.95 per service call — but this rate will increase to $69.95 on October 1, 2017. There are no usage limits.

Other features

  • Cardholder inquiry service. Call Visa anytime to ask about card benefits, as well as product and service information.
  • Emergency cash disbursement and card replacement. If your card is lost, stolen or damaged, Visa will send you an emergency card replacement within three business days. Visa can also make cash available to you a nearby location.
  • Lost or stolen card reporting. Call Visa Global Customer Care Services to get a replacement card.
  • Zero Liability. You’ll never be asked to pay for unauthorized purchases on your card.

Visa Signature features

Visa Signature cards outshine traditional Visas with more enticing rewards and travel benefits.

Rewards

The most coveted credit cards offer miles, cash back or points for purchases. Visa Signature cards tend to offer strong sweeteners for spending.

Visa Concierge

Visa Concierge can help you with travel plans and dining reservations. It can also help with special events — booking shows, arranging meeting space and more — and shopping, including gift recommendations and delivery. Visa Concierge is accessible 24/7.

Visa Signature Luxury Hotel Collection

The Visa Signature Luxury Hotel Collection comprises the world’s top hotels, like Park Hyatt and Shangri-La. As a Visa Signature cardholder, you can book stays at these resorts. Booking through the Visa Signature Luxury Hotel Collection brings such benefits as:

  • Complimentary room upgrades
  • Complimentary in-room Wi-Fi
  • Complimentary continental breakfast
  • 3 p.m. checkout on request
  • $25 food or beverage credit

Travel and emergency assistance services

If you’re in an emergency during vacation, you can call Visa for help. Benefits are available for you, your spouse and your children up to age. It’s free to contact Visa’s travel and emergency hotline, but you may need to pay for services you receive. You’ll find services like Emergency Transportation Assistance and Legal Referral Assistance that help in medical and legal emergencies. You can also receive assistance for travel emergencies like lost tickets and lost luggage return.

Warranty Manager Service

Through the Warranty Manager Service, you can register your warranties and get extended warranties. Through Extended Warranty Protection, your warranty is doubled if your item’s warranty is less than a year. You’ll get an extra one-year warranty if your item comes with a warranty of one to three years. You must make your purchase with your Visa card, and there’s a limit of $10,000 per claim and $50,000 over your lifetime.

Other features:

  • Visa Signature Entertainment. Receive offers for concerts, movies, museums and more.
  • Visa Signature Fine Wine and Food. Get special access to culinary experiences and wine tastings.
  • Visa Signature Shopping. Receive discounts on items from top-of-the-line retailers.
  • Visa Signature Sports. Receive invitations to exclusive sporting experiences, such as golf and football events.
  • Visa Signature Travel. Receive discounts on travel expenses like hotels, car rentals and cruises. This feature isn’t standard for the Visa Signature, but it may be offered by your card issuer.
  • Year-End Summary Statement. Receive an annual report of what you’ve spent.

Excellent Visa Signature cards

  • Bank of America® Travel Rewards credit card. A solid travel card with a simple points structure: 1.5x points on everything you spend. Redeem points for travel.
  • Bank of America® Cash Rewards credit card. Excellent for everyday purchases. Earn 3% cash back on gas and 2% cash back at grocery stores and wholesale clubs. Earn 1% on everything else.
  • Chase Sapphire Preferred® Card. One of the best travel cards on the market, with top-notch rewards redemption and 1:1 point transfers to travel programs.
  • Spark® Cash Select from Capital One®. A flexible business credit card that offers 1.5% cash back on all purchases.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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