John S Kiernan, Managing Editor
@John
You can apply for a Visa credit card either online or at a bank or credit union branch. Alternatively, you can submit an application in person at certain retailers, or over the phone in some cases.
How to Apply for a Visa Credit Card Online
- Visit the Visa website and search for a Visa credit card that suits your financial needs. Consider factors like rewards programs, interest rates, annual fees, and benefits.
- Ensure you meet the card's eligibility requirements like credit score and income.
- Click the "Apply Now" button to be redirected to the issuer’s secure online application page.
- Provide the required information, including your name, address, and Social Security number, as well as some info about your income and current debts.
- Check out the terms and conditions.
- Submit your application along with supporting documents.
- After you submit your Visa credit card application, you could receive instant approval if you’re clearly qualified. Otherwise, you may have to wait 7-10 business days for a decision, depending on the issuer.
Here are some of the best Visa credit cards:
- Rates & Fees Best Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Rates & Fees Best Overall: Wells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Best Overall: Wells Fargo Active Cash® CardLearn MoreLearn More
- Rates & Fees Cash Back: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & Fees Cash Back: Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Cash Back: Chase Freedom Unlimited®Learn MoreLearn More
- Rates & Fees Fair Credit: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Rates & Fees Fair Credit: Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Fair Credit: Upgrade Cash Rewards Visa®Learn MoreLearn More
- Bad Credit: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- Bad Credit: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn Moreon issuer's website
- Bad Credit: U.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
- Students: First Federal Community Bank College Rewards Visa® Credit CardLearn MoreLearn More
- Students: First Federal Community Bank College Rewards Visa® Credit CardLearn MoreLearn Moreon issuer's website
- Students: First Federal Community Bank College Rewards Visa® Credit CardLearn MoreLearn More
- Business: Ink Business Premier® Credit CardLearn MoreLearn More
- Business: Ink Business Premier® Credit CardLearn MoreLearn Moreon issuer's website
- Business: Ink Business Premier® Credit CardLearn MoreLearn More
- Best Overall:
- Cash Back:
- Fair Credit:
- Bad Credit:
- Students:
- Business:
Keep in mind that Visa is a card network, not a card issuer. So, you can apply for a Visa credit card through many banks and credit unions.
Ultimately, there’s little reason not to at least consider Mastercard, too. Getting the best possible card (not necessarily the best Visa) should be your main objective, after all.
People also ask
What are the Visa credit card requirements?
Visa credit card requirements include being at least 18 years old, having enough income to pay the bills, and living in a U.S. territory. Applicants also need a Social Security number (SSN) or an Individual Taxpayer Identification Number (ITIN) to get approved for a Visa, though not all Visa card issuers will accept an ITIN. Certain Visa cards have requirements beyond this list of essentials, too.
Common Requirements for a Visa Credit Card
- ...
What credit score do you need for a Visa credit card?
You need a credit score of 700+ to get the best Visa credit cards, which require good or excellent credit for approval. Other Visa credit cards are available to people with lower credit scores, including people with bad credit or no credit at all.
Generally, a credit card network does not actually set credit score requirements for any of its cards. Credit scores and other requirements for approval are the responsibility of the banks and credit...
read full answer by Chip Lupo, Credit Card WriterWhat is the best Visa credit card to get first?
The best Visa credit card to get first is the Petal® 2 Visa® Credit Card because it is designed for people with limited credit and has a $0 annual fee. It also rewards you with 1 - 1.5% cash back on purchases.
If you’re a student, another good Visa card to start with is the Tompkins Community Bank College Rewards Visa® Credit Card. This card offers 1.5 points per $1 spent on purchases and also comes with an intro APR of 0% for 6 months from account opening on both purchases and balance transfers (18.24% - 28.49% (V) regular APR)....
read full answer by Thom Fotenberg, WalletHub Credit Card AnalystDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.