A Visa can be any type of credit card, from a secured credit card for building credit to an unsecured rewards credit card for people who already have excellent credit. Visa is a credit card network, which means it dictates where cards issued by banks and credit unions can be used. All Visa credit cards operate on the Visa network and are accepted by most merchants across more than 200 countries and territories.
Visa does not issue any credit cards by itself. Instead, as one of the largest payment networks in the world, Visa partners with banks and credit unions to process transactions. Visa partners with institutions like Chase, Bank of America, Capital One, and U.S. Bank, among others. Visa, like other credit card networks, also guarantees some benefits, depending on the type of card you have.
Types of Visa Credit Cards
Visa Traditional credit card benefits are on the lowest benefit tier set up by Visa. They offer benefits such as zero liability for fraudulent charges, lost or stolen card reporting, emergency card replacement and cash disbursement, and roadside dispatch.
Visa Signature credit card benefits include all the Traditional-tier benefits, as well as added perks such as travel and emergency assistance. Signature cards are also more difficult to get, as most of them require an above-average credit score.
Visa Infinite benefits include all the perks offered by Visa Traditional and Signature credit cards. In addition, Infinite cards have significantly improved travel benefits, including a Global Entry statement credit, rental car discounts, and access to more than 1,200 airport lounges when you fly. Some of these enhanced perks may be available on certain Visa Signature cards, but you’re much more likely to find them with Infinite cards.
Finally, it’s worth noting that not all Visa cards offer the same features. The card issuers themselves can limit which Visa benefits apply to each card. They also decide many of a card’s most important features, such as interest rates, fees, and rewards. You can compare the best Visa credit card offers on WalletHub.
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