The best Visa rewards card depends on how you plan to use the card and redeem your rewards. People who travel a lot will want different cards than people who mainly charge gas and groceries, for example. Similarly, students will want cards that cater to their specific needs, as will business owners. Your choice of cards is limited by your creditworthiness, too. Luckily, there are options for everyone.
The best Visa rewards cards provide the most value if you pay your monthly bill in full. If you carry a balance from month to month, interest charges could negate, if not wipe out completely, any rewards earned.
Credit cards change networks from time to time, but all of the above cards are Visas as of the date of posting.
The best Visa rewards card is the Capital One Venture Rewards card because it offers 50,000 miles for spending $3,000 within 3 months of opening an account or 100,000 miles for spending $20,000 in the first 12 months. 50,000 miles are worth $500 in travel. There’s also 2 miles per $1 spent on all purchases, with one exception. Travel enthusiasts can redeem miles toward any hotel or airline with no blackout dates. Venture has a $95 annual fee.
People who don’t travel a lot will probably prefer a cash back credit card. The best Visa cash rewards card is Chase Freedom Unlimited, which offers 1.5 - 5% cash back on purchases. But during your first year, you get 5% cash back on grocery purchases on up to $12,000 spent. It also offers $200 for spending $500 within 3 months of opening an account. The annual fee is $0.
The best travel credit card with no annual fee is the Capital One VentureOne card because it offers an initial bonus of 20,000 miles for spending $1,000 in the first 3 months. It also rewards cardholders with at least 1.25 miles per $1 spent on all purchases. VentureOne has a $0 foreign transaction fee in addition to its $0 annual fee.… read full answer
If you aren’t planning to go anywhere too adventurous, consider the Discover it Miles card. Discover’s not accepted in as many international locations as Visa or Mastercard, but its US acceptance is pretty good. The Discover Miles card also has good rewards. It offers 1.5 miles per $1 spent on all purchases, doubled year one.
The highest Visa card tier is Visa Infinite, topping Visa Signature and standard Visa cards. Visa Infinite benefits are reserved for the most premium credit cards, and they can save you a lot of money.
For instance, Visa Infinite cardholders can get a $100 discount from the final price of any round trip domestic flight booked for two or more people, if the booking is made directly through the Visa Discount Air website. Cardholders also enjoy a Global Entry application fee credit, discounts at participating car rental companies worldwide, primary rental car insurance, purchase protection, travel accident insurance, and trip delay reimbursement, among other perks.… read full answer
Lastly, you will benefit from automatic room upgrades on arrival and complimentary breakfast when you book a hotel stay with a Visa Infinite card. It’s important to note that while these are possible perks of the Visa Infinite, the extent of these benefits depends on the issuer. Therefore, it is best to check the Guide to Benefits of the specific card a prospective applicant is looking at.
If you’re looking for the highest Visa credit card limit, the Chase Sapphire Preferred is your best bet. Many users report credit limits of $12,000+, but your mileage may differ based on your credit score and income.
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