What is a Signature card?

Question

The best Visa Signature rewards card is the Chase Sapphire Preferred® Card because it offers a bonus of 60,000 bonus points for spending $4,000 in the first 3 months. In addition, cardholders can transfer points to over a dozen hotel and airline loyalty programs at a 1:1 ratio. Chase Sapphire Preferred also offers 1 - 5 points per $1 spent on purchases. The card has a $95 annual fee. And there’s a $0 foreign transaction fee.… read full answer

More info about Visa Signature benefits

All Visa cards offer benefits such as roadside dispatch and zero fraud liability. But Visa Signature cards come with additional benefits not available on traditional Visa credit cards. Among them are extended warranty, emergency transportation assistance, lost luggage insurance and more. These are on top of any issuer-specific perks a card may offer.

The Capital One Venture Rewards Credit Card is another good Visa Signature rewards card. It has a bonus of 75,000 miles for spending $4,000 in the first 3 months. There’s a $95 annual fee. You’ll also earn 2 - 5 miles per $1 spent on purchases.

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Answer 1 · 2022-04-01 08:21:26

John S Kiernan, Managing Editor

@John • 04/01/22 This answer was first published on 09/10/18 and it was last updated on 04/01/22.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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A “signature credit card” most commonly refers to Visa Signature credit cards. In that sense “Signature” describes the types of benefits the card provides. Not rates, rewards and fees, though Visa Signature Cards do tend to be rewards cards with no preset spending limit for people with good or excellent credit. Rather, “Signature” means that cardholders have access to the Visa Signature Concierge as well as special offers and experiences.

More info about Visa Signature credit cards:

In many other respects, however, Visa Signature credit cards are actually quite diverse. They’re issued by dozens of different banks and credit unions. Many are affiliated with specific airlines, hotel chains, or other companies/organizations. And they offer quite different terms. For example, both the Amazon.com Credit Card and the U.S. Bank Cash+® Visa Signature® Card are Visa Signature cards.

Other meanings of Signature cards:

That said, “signature credit card” could also refer to chip-and-signature credit cards. These smart cards have an embedded computer chip but still require you to sign for purchases, as opposed to entering a code with a chip-and-PIN card.

In that sense, and with the rise of digital wallets, the term could also come to mean any credit card that requires you sign to complete a transaction.

What is a Signature card?

John S Kiernan, Managing Editor

More info about Visa Signature credit cards:

Other meanings of Signature cards:

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