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How do Visa Signature cards work?

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

Visa Signature cards tend to offer higher-value perks such as rewards, concierge service, access to the Luxury Hotel Collection, and travel and emergency assistance services. These are benefits you won’t find in Visa Traditional cards.

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 TraditionalVisa Signature
Auto rental collision damage waivercheckmarkcheckmark
Cardholder inquiry servicecheckmarkcheckmark
Emergency cash disbursement and card replacementcheckmarkcheckmark
Lost or stolen card reportingcheckmarkcheckmark
Roadside dispatchcheckmarkcheckmark
Zero liabilitycheckmarkcheckmark
Rewards programscheckmark
Travel and emergency assistance servicescheckmark
Warranty Manager Servicecheckmark
Year-end summary statementcheckmark
Visa Signature Fine Wine and Foodcheckmark
Visa Signature Conciergecheckmark
Visa Signature Entertainmentcheckmark
Visa Signature Sportscheckmark
Visa Signature Travelcheckmark
  • = Comes standard
  • = Does not come standard

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

Visa Traditional and Visa Signature standard benefits

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 benefits

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


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.

Compare concierge credit cards

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 a category you choose 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.
  • Capital One® Spark® Cash Select for Business. A flexible business credit card that offers 1.5% cash back on all purchases.

Compare Visa Signature credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
Marriott Bonvoy Boundless™ Credit Card
3 free nights after spending $3,000 in the first 3 months, plus 10x points on up to $2,500 in combined purchases at gas stations, restaurants, and grocery stores in the first 6 months
Up to 17x points at Marriott Bonvoy hotels and 2x points on all other purchases
Earn a unique signup bonus with this hotel card: 3 free nights (each night valued up to 50,000 points) after qualifying purchases + 10x total points on eligible purchases in select categories.
United℠ Explorer Card
60,000 bonus miles after spending $3,000 on purchases in the first 3 months, plus 10,000 miles after spending $6,000 in the first 6 months
2x miles at restaurants, hotels and United and 1.5x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 miles after spending $3,000 in the first 3 months. Plus an additional 10,000 miles after spending $6,000 in the first 6 months.

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