When it comes to Visa credit cards, the options are never-ending. There are Visa credit cards for all different types of people – whether you’re a student, an international traveler, someone who spends a lot on entertainment or food and drinks, or simply someone looking for cash-back rewards. The sheer number of cards at your disposal can be overwhelming. This article will highlight some of the best Visa credit cards offered today!
1. Chase Sapphire Preferred® Card
The Chase Sapphire Preferred® Card is one of the best Visa cards available, with rewards including travel and dining credits, as well as bonus points for every dollar spent. It rewards holders with 5 points for each dollar spent on travel purchases. The card also gives you 4 points for each dollar spent on dining and 2 points per dollar on additional travel purchases. Any other eligible purchases also earn you 1 point per dollar. This aspect makes it ideal as a travel Visa credit card. However, you need an excellent credit score between 700 and 749 to get approved for the card.
Card Details
- Gives new cardholders 60,000 bonus points if they make purchases worth $4,000 within the first three months of opening an account.
- A $95 annual fee.
- Points are worth 25% more when you redeem them for travel through the Chase Ultimate Rewards program.
- Unlimited $0 delivery fees and lower service fees for eligible orders above $12.
Pros
- Gives high rewards on many purchases
- Allows 1:1 transfer of points to travel partners
- Offers various travel and shopping protection
Cons
- The card comes with a $95 annual fee
- No APR intro offers
- Gain best rewards only when you book through Chase
2. Chase Freedom Unlimited®
Chase Freedom Unlimited® is a Visa credit card that offers unlimited rewards on all purchases. You’ll earn a flat rate of one point per dollar, and there’s no limit to the number of points you can earn. Plus, you’ll get a bonus of 15,000 points if you spend $500 in the first three months. This card also comes with a 0% APR for the first 15 months, making it a great option if you’re looking to finance a large purchase. Adding up all these benefits gives you a card to help you earn back cash.
Card Details
- $200 Bonus for spending $500 on purchases in the first three months after account opening.
- 5% cash-back on grocery shopping up to $12,000 within the first year excluding Target® or Walmart® purchases.
- 3% cash-back when paying restaurants, including eligible deliveries and takeout.
- 3% cash-back on purchases at drugstores.
- 5% cash-back travel purchases through Chase Ultimate Rewards® and 1% on any other purchases.
- 0% intro APR for 15 months after opening an account with the APR varying between 14.99% – 24.74% after that duration.
- $0 annual fees.
Pros
- No annual fee
- Can earn you up to $1,500 in quarterly rewards when you activate the 5% quarterly rewards category.
Cons
- Must make travel bookings through Chase Ultimate Rewards® to enjoy the 5% cash-back.
3. Bank of America® Customized Cash Rewards Credit Card
If you have an established credit history and a decent income, the Bank of America® Customized Cash Rewards Credit Card is a great Visa card to add to your wallet. You’ll be almost guaranteed approval with a 640+ credit score and a decent income. This Visa is a great choice for anyone who spends on gas and groceries. This Visa offers online card management, requires no annual fee, and gives you the option to get rewards when using your credit card in-store or at an ATM. It offers a cash-back program that lets you earn 1% on all purchases, plus a bonus between 10%-75% of the amount you charge per month on your Visa. The more you charge each month, the bigger the cash-back percentage you’ll earn. However, it has spending limits for bonus categories, making it unsuitable for big spenders.
Card Features
- $0 annual fee
- $200 online cash rewards when you spend at least $1,000 in the first three months of opening the account.
- 3% back on a chosen category for users who spend modestly.
- 2% back on grocery stores and wholesale clubs when you spend the first $2,500 of combined bonus categories. Once you hit that limit, you earn 1% cash-back on these purchases.
- 0% APR for the next 15 billing cycles on balance transfers and purchases, with the APR being set for 13.99%-23.99% after this duration.
- Users can earn higher reward rates if they are eligible for the Bank of America® Preferred Rewards program.
Pros
- No annual fees
- Lengthy intro APR duration
- Welcome bonus
Cons
- Need excellent or good credit score
- The rewards program is complicated
- Spending limits on bonus rewards
4. United Club℠ Infinite Card
The United Club℠ Infinite Card is a Visa credit card that offers several benefits, including unlimited access to United Clubs and other airport lounges. The card also comes with a $525 annual fee. However, the fee can be worth it if you frequently fly United Airlines and want to take advantage of the perks offered by this card. Users receive 4 miles per dollar when they purchase United and 2 miles per dollar on all other travel. You also receive 1 mile per dollar on other purchases.
Card Features
- 100,000 bonus miles once users spend $5,000 on purchases in the first 90 days of opening an account.
- $525 annual fee
- Earn 4 miles for each dollar spent when purchasing United tickets, economy plus, food within the flight, Wi-Fi and beverages, and other United charges.
- Earn 2 miles for each dollar on all travel purchases, 2 miles for each dollar spent on all dining and delivery services.
- Get 1 mile for each dollar spent on all other purchases.
Pros
- No foreign transaction fee
- Benefits from the United Club
Cons
- High annual fees
- No introductory APR
5. OpenSky Secured Credit Visa
The OpenSky Secured Visa Credit Card is a great option for people looking to rebuild their credit. The card has no annual fee and requires a security deposit of $200 or more. This card also offers a rewards program that allows you to earn points on every purchase.
Card Features
- $35 annual fee
- $200 minimum deposit and a maximum of $3,000. The card is secured, requiring users to provide a refundable security deposit that determines a user’s limit.
- 17.39% variable ongoing APR
- Offers no reward
- 3% foreign transaction fee
- Reports to the credit bureau meaning it can help improve credit rating
Pros
- No credit score check
- No bank account required
Cons
- Annual fees
- 3% foreign transaction fee
What to Consider When Choosing Visa Credit Cards
Deciding to get a visa credit card requires various considerations. Some of this includes:
1. Credit score requirements
Many credit card issuers have varying credit score requirements for different cards. However, they provide general guidance with credit cards requiring credit score ranges, late fees, and foreign transaction fees.
2. Fees
A card’s fees affect the cost. Look into annual fees, balance transfer fees, and any other fees that could be pegged to the card.
3. Credit card purpose
Getting the right card can depend on its intended use. It can be for travel purchases, groceries, and emergencies. Understanding how you plan to use the card helps you maximize rewards.
