What is a Visa Signature card? 11+ benefits for cardholders | August 2018
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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.

Compare Visa Signature credit cards

Name Product APR (Annual Percentage Rate) for Purchases Welcome Bonus Interest Free Period
9.99% fixed
Up to 25 days
Fast, easy application process. No processing or application fees!
13.99% fixed
Up to 25 days
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
Up to 25 days
A secured Visa® credit card that helps you build your credit quickly.
19.74% to 25.74% variable
Up to 24 days
Give your credit a boost with credit line increase opportunities, a fee may apply.
19.74% to 25.74% variable
Up to 24 days
Get 1% cash back rewards on eligible purchase, terms apply.
19.74% to 25.74% variable
Up to 24 days
Get double cash back rewards at the NASCAR.com Superstore, terms apply.
19.74% to 25.74% variable
Up to 24 days
Enjoy peace of mind with $0 Fraud Liability. Receive 1% cash back on eligible purchases, terms apply.
19.74% to 25.74% variable
Up to 24 days
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Up to 21 days
17.99% fixed
Up to 25 days
Borrow up to $10,000 and get your credit score back on track.
16.74% to 25.49% variable
Earn 150 cash back after spending $500 in the first 3 months
Up to 21 days
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
Up to 25 days
This card offers the same low rate for purchases, cash advances and balance transfers.
13.65% to 27.65% variable
Up to 25 days
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
Earn 50,000 miles after spending $3,000 in the first 3 months
Up to 25 days
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
Earn 20,000 miles after spending $3,000 in the first 3 months
Up to 25 days
Unlimited 1.5X miles per dollar on every purchase, every day
18.74% variable
Earn 50,000 miles after spending $4,500 in the first 3 months
Up to 25 days
Unlimited 2X miles per dollar on every purchase, every day
24.74% variable
Up to 25 days
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
Earn 200 cash back after spending $3,000 in the first 3 months
Up to 25 days
Unlimited 1.5 cash back on every purchase, every day.
14.99% to 24.99% variable
Earn 200 cash back after spending $500 in the first 90 days
Up to 25 days
Earn more cash back for the things you buy most.
18.74% variable
Earn 500 cash back after spending $4,500 in the first 3 months
Up to 25 days
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
Earn 50,000 points after spending $4,000 in the first 3 months
Up to 21 days
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
Earn 25,000 points after spending $1,000 in the first 90 days
Up to 25 days
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

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® credit 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 for Business. 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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