Best Visa Rewards Credit Cards

Visa rewards are points, miles, or cash back earned by Visa cardholders for making purchases, though the Visa credit card network itself does not give any rewards. Rather, the individual banks and credit unions that issue Visa credit cards give the rewards.

How Visa Rewards Work

Earn Cash Back, Points, or Miles. Cardholders earn rewards by making purchases with a Visa card. Whether you earn cash back, points or miles depends on the type of rewards card you have.

Redeem Your Rewards. Once you’ve earned rewards, you can redeem them by logging in to the card issuer’s website or by calling the issuer. Rewards are often redeemable for cash back, gift cards, merchandise, and select travel purchases, but the options will vary based on your Visa rewards card.

Not All Rewards Have the Same Value. Visa points and miles are usually worth about 1 cent each, on average. But the exact value can vary based on the rewards type, the issuer’s rewards program, and how the rewards are redeemed.

For the most part, Visa rewards don’t expire as long as your account remains active. Some cards’ rewards could be forfeited if the account is inactive for an extended amount of time, however – usually 12+ months. Additionally, you might lose any unredeemed rewards when you or the issuer closes the account, regardless of the reason. Check the terms and conditions of your Visa rewards card for details.

Potential for Extra Visa Benefits. Some Visa cardholders may be eligible for Visa Offers & Perks, which include discounts on select luxury hotel reservations, merchandise, car rentals, and more. These savings opportunities are in addition to the secondary benefits that Visa credit cards provide.

Redeem Loyalty Program Rewards Through Your Mobile Device. If your Visa card is linked to a participating loyalty program, you can redeem rewards through a mobile device with Visa Rewards Redemption. When you make a qualifying purchase, you will receive a notification from the loyalty program inviting you to redeem your rewards. If you choose to redeem, a statement credit for the purchase amount will be applied to your linked Visa card account.

"Visa Platinum Rewards" is branding language that can be found on a surprising number of Visa credit cards. The best Visa Platinum Rewards card is the PenFed Platinum Rewards Visa Signature® Card because it offers 15,000 points for spending $1,500 in the first 3 months. Cardholders also earn 1 - 5 points per $1 spent on purchases.

Visa Platinum is not an official Visa benefits tier, such as Visa Signature or Visa Infinite, yet more than 200 Visa credit cards have the word "Platinum" in their name. Not all of them have rewards,...

There are hundreds of Visa credit cards with rewards points, which individual credit card issuers give cardholders for making purchases and reaching certain milestones, but Visa does not have its own rewards points. Rewards are the responsibility of the banks and credit unions that issue credit cards, and Visa is not a credit card issuer.

Visa still provides plenty of perks, just not points, miles or cash back for making credit card purchases. Cardholders can claim...

There isn’t a single Visa rewards points catalog for all Visa credit cards. When you earn rewards points, miles, or cash back on a Visa credit card, Visa (the card network) isn’t responsible for how you use those rewards. Instead, Visa credit card rewards can be redeemed through each credit card’s issuer.

Visa does, however, offer a range of perks to its cardholders that could be considered rewards. Some of the most basic are...

The Amazon.com Credit Card approval odds are good if you have at least a good credit score. Generally, the higher your credit score, the better your odds of approval are. However, your credit score is just one part of your creditworthiness, since, on its own, it does not guarantee approval.

What you need for good Amazon.com Credit Card approval odds:

• At least good credit
• Enough income to pay credit card bills
• Low debt...

The Visa Signature Concierge service is basically a glorified customer-service line that’s available to Visa Signature cardholders 24/7. What’s unique is that they’ll help you with certain types of special requests. They include booking dining, entertainment and recreation; coordinating travel; and delivering gifts.

The good news for folks who don’t have a Visa Signature credit card is most of that is pretty easy to do online without one.

Visa rewards points redemption process depends on the card. But keep in mind that rewards points are offered by the credit card issuers, not by Mastercard or any other network. So, cardholders will need to follow the instructions for their specific card issuer’s rewards program.

Most of the time, it’s possible to redeem points through the cardholder’s online account, mobile app, or through a dedicated rewards website run by the issuer. It’s also...