Best Visa Credit Cards

Why We Like It: The Chase Sapphire Preferred® Card comes with an initial bonus of 75,000 points for spending $5,000 on purchases in the first 3 months, worth $750 when redeemed for cash, gift cards, and travel. Plus it offers ongoing rewards of 1 - 5 points per $1 spent.

 What We Don’t Like: Chase Sapphire Preferred has a high APR and an annual fee of $95.
 
Who Should Get It: Consider applying for this card if you have good credit and you want to earn bonus rewards and redeem for travel.

Why We Like It: The Wyndham Credit Card is the best Visa credit card for hotel points because it provides lots of good opportunities to earn bonus rewards. First of all, you can get an initial bonus of 45,000 points after spending $1,000 in the first 90 days.

You will also earn 6 points per $1 spent Wyndham hotels purchases and on gas, 4 points per $1 spent on dining and groceries, and 1 point on all other purchases. Plus, the Wyndham Credit Card gives you Platinum status in the Wyndham Rewards program and 7,500 bonus points after your first account anniversary each year.
 
What We Don’t Like: The Wyndham Credit Card has a $75 annual fee and a high APR. The annual fee is easily worth paying given the rewards and free nights it unlocks, and you can avoid interest charges by paying your full statement balance by the due date each month.
 
Who Should Get It: Apply for the Wyndham Credit Card if you have good credit or better, you spend several nights in hotels each year, and Wyndham properties are an option for you where you travel.

Why We Like It: The Southwest Rapid Rewards® Premier Credit Card is the best Visa credit card for airline rewards because it has a generous initial bonus and more than enough ongoing perks to offset its annual fee.

For starters, you can get 55,000 points for spending $1,500 on purchases in the first 3 months. Those bonus points are worth $665.5 in airfare, according to our calculations. Plus, you’ll earn 1 - 3 points per $1 spent on purchases.

In addition, your first checked bag is free when you pay with this card (same goes for up to 8 additional passengers on the same reservation). You can also get complimentary Preferred seating, 6,000 points after each account anniversary, and 25% back on in-flight Wi-Fi and drinks.

What We Don’t Like: The Southwest Rapid Rewards® Premier Credit Card has an annual fee of $149 and a high APR. Still, it’s worth getting if you use it regularly and avoid interest charges by paying your bill in full each month.

Who Should Get It: Apply for the Southwest Rapid Rewards® Premier Credit Card if you have good credit or better and you can choose Southwest Airlines when you fly.

Why We Like It: The Wells Fargo Active Cash® Card offers 2% cash rewards on purchases and has a $0 annual fee. New cardholders can also earn a $200 Cash Rewards initial bonus and enjoy an introductory APR of 0% for 12 months from account opening on purchases and qualifying balance transfers.
 
What We Don’t Like: Wells Fargo Active Cash® Card has a high regular APR of 18.49%, 24.49%, or 28.49% Variable and a transfer fee of 3% intro for 120 days from account opening, then up to 5% (min $5).
 
Who Should Get It: Apply for Wells Fargo Active Cash if you have good credit or better and you want hassle-free cash rewards.

Why We Like It: Chase Freedom Unlimited® is the best Visa credit card for bonus cash back rewards because it gives you 5% cash back on travel through Chase Travel, 3% back at restaurants and drugstores, and 1.5% back on all other purchases. You can also earn an initial bonus of $200 for spending $500 on purchases in the first 3 months. Chase Freedom Unlimited has a $0 annual fee and a 0% intro APR, too. You can get 0% for 15 months on purchases and balance transfers.
 
What We Don’t Like: The regular APR that kicks in after the promotional rates expire isn’t so attractive, but it doesn’t have to cost you any money.
 
Who Should Get It: Consider applying if you have good credit or better and want a great all-around credit card offer.

Why We Like It: The Chase Sapphire Preferred® Card is the best Visa credit card for a big initial bonus. You can earn 75,000 points for spending $5,000 on purchases in the first 3 months, worth $750 when redeemed for cash, gift cards, and travel. Plus, cardholders earn 1 - 5 points per $1 spent on purchases.

What We Don’t Like: The Chase Sapphire Preferred® Card has an annual fee of $95 and a high APR.

Who Should Get It: Apply for Chase Sapphire Preferred if you have good credit or better and you want to earn a big bonus along with great rewards on purchases.

Why We Like It: The Chase Freedom Unlimited® Card offers $200 for spending $500 on purchases in the first 3 months. It also has superb ongoing rewards and does not charge an annual fee.

What We Don’t Like: The regular APR is high, but it’s avoidable if you pay in full each month while it’s in effect.

Who Should Get It: Apply for Chase Freedom Unlimited if you have good credit or better and you want to earn bonus cash rewards without paying an annual fee.

Why We Like It: The First Federal Community Bank Zero+ Card gives you 21 months from account opening to pay off big purchases and balance transfers without interest.

What We Don’t Like: The regular APR is high, at 17.24% - 28.24% (V). The transfer fee – 5% (min $5) – is quite high as well. Plus, the card only offers rewards on select prepaid travel purchases.

Who Should Get It: Apply for the First Federal Community Bank Zero+ Card if you have good credit or better and you want the longest 0% introductory APR promotion.

Why We Like It: The opensky® Plus Secured Visa® Credit Card is one of the best Visa credit cards for people with bad credit because it won’t check your credit history when you apply, which means your approval odds are very high even if you made mistakes in the past. The opensky® Plus Secured Visa® Credit Card also has a $0 annual fee and reports account information to the major credit bureaus each month, giving you the opportunity to improve your credit inexpensively.

Plus, you can currently get a $35 welcome bonus issued as a statement credit when you are approved for an account and fully fund a security deposit of $450+ on the same day (terms apply).

What We Don’t Like: Your credit limit will equal the amount of your refundable security deposit.

Who Should Get It: If you have damaged credit and are concerned about getting approved for a
credit card, you should consider the opensky® Plus Secured Visa® Credit Card.

Why We Like It: The Bank of America® Unlimited Cash Rewards Secured Credit Card is the best Visa credit card for bad credit because it gives you great rewards and does not charge an annual fee. You get 2% cash back on all purchases for the first year, and 1.5% cash back thereafter.

What We Don’t Like: This card requires a refundable security deposit of at least $200. The amount you put down will be your spending limit.

Who Should Get It: Consider applying for the Bank of America® Unlimited Cash Rewards Secured Credit Card if you have bad credit and you want to earn above-average cash rewards on all purchases.

Why We Like It: The Petal® 2 Visa® Credit Card is one of the best Visa credit cards for beginners because it has a $0 annual fee and rewards cardholders with at least 1% cash back on all purchases. Consistently paying the bill on time increases your rewards rate over time.
 
What We Don’t Like: You have to prove yourself for months before earning an above-average rewards rate. Plus, carrying a balance from month to month figures to be very expensive.
 
Who Should Get It: Consider applying for Petal 2 Card if you have limited credit history and you want an extra incentive to pay the bill on time each month.

Why We Like It: The First Federal Community Bank College Rewards Visa® Credit Card is the best Visa student credit card because you can get it with limited or no credit experience and then enjoy a $0 annual fee, solid rewards and an introductory financing promotion. It’s not common for student credit cards to offer all three of those things.

In terms of rewards, you can get 2,500 points after your first purchase, plus 1.5 points per $1 spent on all purchases. When it comes to financing, you get 0% for 6 months on new purchases as well as balance transfers.

What We Don’t Like: This card has a fairly high regular APR, so plan to pay your monthly bills in full after the promotional financing period ends.

Who Should Get It: Consider applying for the First Federal Community Bank College Rewards Visa® Credit Card if you’re a student with limited credit who wants to earn rewards on purchases while saving money on interest initially.  

Why We Like It: The Capital One Spark Cash Plus Card is the best Visa for business because it has a massive initial bonus and is at least twice as rewarding as the average credit card on normal purchases.

For starters, you can earn $2,000 for spending $30,000 in the first 3 months, plus an additional $2,000 bonus for every $500,000 spent in the first year. In addition, you will earn 5% cash back on hotels and rental cars booked through Capital One Business Travel, and 2% cash back on all other purchases.

What We Don’t Like: There is an annual fee of $150, but the card’s rewards will more than cover the cost if you use it regularly and avoid interest charges.

Who Should Get It: Capital One Spark Cash Plus is best for business owners with excellent personal credit who want to earn cash rewards on purchases.