How much does it cost to get a Visa card?

Getting a Visa card costs as little as $0, depending on the type of Visa card you get. Visa gift cards often have a one-time fee of $2.95 to $6.95 at the time of purchase, based on the gift card’s value, whereas most Visa debit cards and credit cards cost nothing to get. Some Visa credit cards charge an annual fee for the privilege of owning the card, though, and the checking account a debit card is tied to may have monthly maintenance fees.

Costs Associated with Getting a Visa Card

It’s important to note that if you get a Visa card, there may be additional transaction-based fees. For example, if you complete a balance transfer or take out a cash advance with a Visa credit card, you will likely pay either a flat fee or a percentage of the transaction amount, whichever is higher.

Bear in mind that Visa is a payment processing network and doesn’t decide the fees, interest rates or rewards associated with specific cards. Instead, Visa partners with banks and credit unions, and each sets its own card terms, ultimately determining how much a Visa card could cost you.