Mike Galus @mikeg_3
Must VISA and MasterCard gift cards be purchased using cash only?
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Visa & Mastercard Credit Cards
WalletHub makes it easy to find the best credit card for you.
A lot of people think Visa and Mastercard are the same company, as their logos are often displayed alongside one another. They are, however, two distinct corporations – the two largest card networks in the world, in fact. You can read about the differences that exist between them in terms of secondary benefits like rental car insurance and extended warranties in our Visa vs. Mastercard guide. But the bottom line is that consumers shouldn’t care whether their card is on the VISA or Mastercard network since both boast nearly ubiquitous acceptance in 200+ countries. You should instead focus on finding the very best rewards, rates and fees, as that is what is actually going to affect your wallet the most. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
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Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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13.49% - 23.49% (V)
Rewards Details
- Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
- Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Additional Info
- Enjoy a low intro APR on purchases for 12 months; 13.49%-23.49% variable APR after that
- No foreign transaction fees
- See More Details & Reviews About TheCapital One® VentureOne® Rewards Credit Card
Purchase Intro APR
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0%* for 18 months
Transfer Intro APR
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0%* for 18 monthsTransfer Fee: 5% (min $5)
Regular APR
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15.74% - 25.74%* (V)
Additional Info
- The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee…EVER
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- The same great rate for all balances, after the introductory period
- Save time when you call with fast, personal help, 24 hours a day – just say “representative”
- Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
- See More Details & Reviews About TheCiti Simplicity® Card - No Late Fees Ever
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 18 monthsTransfer Fee: 3% (min $5)
Regular APR
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15.24% - 25.24%* (V)
Rewards Details
- Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
- No categories to track, no caps on cash back, no annual fee*
Additional Info
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
- Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
- See More Details & Reviews About TheCiti® Double Cash Card – 18 month BT offer
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 monthsTransfer Fee: 3%
Regular APR
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14.49% - 24.49% (V)
Rewards Details
- One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
Additional Info
- 0% intro APR on purchases for 15 months; 14.49%-24.49% variable APR after that
- 0% intro APR on balance transfers for 15 months; 14.49%-24.49% variable APR after that; 3% fee on the amounts transferred within the first 15 months
- Pay no annual fee or foreign transaction fees
- See More Details & Reviews About TheCapital One® Quicksilver® Card - 0% Intro APR for 15 Months
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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14.49% - 24.49% (V)
Annual Fee
$0 for 1st yr, $95 after
Rewards Rate
2 miles / $1
Minimum Credit
Good
Rewards Details
- Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
- Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Fly any airline, stay at any hotel, anytime
- Travel when you want with no blackout dates
- Miles won't expire for the life of the account and there's no limit to how many you can earn
Additional Info
- No foreign transaction fees
- $0 intro annual fee for the first year; $95 after that
- See More Details & Reviews About TheCapital One® Venture® Rewards Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months See details for transfer fee
Regular APR
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16.49% - 25.24% (V)
Rewards Details
- Unlimited 1.5% cash back on every purchase - it's automatic
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- No minimum to redeem for cash back
- Cash Back rewards do not expire as long as your account is open
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom Unlimited®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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24.74% (V)
Rewards Details
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
Additional Info
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- See More Details & Reviews About TheCapital One® QuicksilverOne® Cash Rewards Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.49% - 24.49% (V)
Annual Fee
$0 Intro for the First Year, $95 after
Rewards Rate
1 - 2 points / $1
Minimum Credit
Excellent
Rewards Details
- Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
- Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
- 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- 1:1 point transfer to leading airline and hotel loyalty programs
- Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
- No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Additional Info
- No foreign transaction fees
- See More Details & Reviews About TheChase Sapphire Preferred® Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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24.74% (V)
Additional Info
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
- See More Details & Reviews About TheCapital One® Platinum Credit Card
Purchase Intro APR
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0% for 15 months
Transfer Intro APR
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0% for 15 months See details for transfer fee
Regular APR
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16.49% - 25.24% (V)
Rewards Details
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Enjoy new 5% categories each quarter
- Unlimited 1% cash back on all other purchases - it's automatic
- Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Additional Info
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.49-25.24%. Balance transfer fee is 5% of the amount transferred, $5 minimum
- Free credit score, updated weekly with Credit Journey℠
- No annual fee
- See More Details & Reviews About TheChase Freedom®
Community Discussion
Comparing Visa & Mastercard Credit Cards can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
Tyler Sharp @tylers1
I use my Mastercard online more than for in-person purchases, but I do love the flexibility of having it available if I don't have cash on hand. I feel extremely comfortable using it online, I've never had any issues with card security, but I did have a slight scare once as I thought my card information may have been stolen, I contacted my Mastercard provider and they sent me out a new one within days, very convenient and kind.
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Stephen Redding @stephenr1
I use my Visa for everything.Online, gas, groceries and in-between.I enjoy the ease of paying with my Visa. I use my Visa as both my debit card and a credit card.Visa is also accepted at just about every kind of store. I also have a few reward options that help out also from time to time. So I really do lke my Visa card and I dont think I would be switching anytime soon for a diffeent type of card.
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SARAH @SN517
I use my Mastercard as both my debit card and my credit card and it's the only card I have. I think it's a wonderful card. I've never had any issues with it and I feel using it is secure. I use it almost daily for running my online business and for everything from shopping online to going out to dinner on the weekends. I like the ability to have a quick way to pay and have very little to carry. My bank also offers rebates for using my card at certain stores and that's a big incentive because it's earning cash back on things I would be buying anyway.
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Jim Fiene @jim.fiene.7
I use my Mastrercard as I use a debit card. Credit cards are a little more secure than using a debit card. I'm not interested in buying on credit because of the high interest rate. My card happens to be a secure card, and my credit score has gone up quite a lot, I always pay thru my bank before I get a bill.
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Sam Krutov @SurkaGe
I use my Visa card literally every single day for various purchases. I use it on something as small as buying food at a to-go restaurant, or I may use it to buy textbooks at the college bookstore. The main reason I use my Visa card is because it is a great and simple way to build credit from scratch. I just pay off my balance at the end of the month by transferring money from my savings account against my Visa balance and it helps build credit. Also I prefer a card over cash any day. It's quicker and much less of a hassle.
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Rachel Lems @rmlems
I use my Mastercard to make all of my every day purchases. It's so much more convenient than having to have cash, or write checks - not to mention I earn cash back so it's almost like I get "paid" to buy what I'm already buying. I also like that fact that I'm protected from fraud by paying with my credit card.
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Lisa Lange @lisa_j_lange
I use my mastercard rather than cash every day. It is easier than racking up ATM fees to have cash, and it makes tracking my spending easier as well. I feel better using it when purchasing expensive items, or when renting a car or buying airline tickets because of the ability to dispute charges if something goes wrong. If you pay cash, you don't have that ability. And of course it makes purchasing online possible. I also like if I purchase something online and it doesn't arrive, I can always dispute the charge and they will refund me what I spent.
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Billy Martin @darthbill1978
I use my visa card everyday. I use it at the gas station, to buy stuff at the store, in the drive thru and even to make purchases online. I don't like to carry cash on me so using my visa makes my life alot easier.
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Anoop Raghavan @anoop.s.raghavan
First of all we have to understand the fact that MasterCard and Visa do not issue credit cards. They make money by processing transactions between your point of purchase and your bank. They have nothing to do with your cash rewards, interest rates, late fees or customer service issues. It's all your bank that does.In a simple word i can define it as payment networks that connect merchant payment terminals with your bank’s credit card department. That's it. But if you ask me which one, i would say i am comfortable & good with VISA cards. I used to fly foreign countries very often especially India, middle east asia and europe. What i can find that it is VISA that most of the stores/business accept. This is an addtional point which I support VISA -MasterCard offers “Return Protection” on very few cards, whereas Visa Signature offers the service broadly. So go for VISA
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David Greenwood @charles.greenwood.73
I usually use my Master Card every day for gas, groceries, hardware, computers, office supplies and most of all I use my credit card for internet purchases. The credi card helps buy things without worrying about carrying alot of cash with me.
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Marc Lin @marc_lin_165
I have a number of cards and of course a Mastercard and a Visa too. Which card I will use at the time depends on what store I am at. I like rebates and different cards have different deals depending on the store or product being purchased. For example, if I am buying gas for the car I would use my PenFed Visa since it has a 5% cash rebate for gas, but only 1% for other stuff. For the other things in life, like groceries, I use my Discover card or one of the others I have, whichever has the best rebate at the time.
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Phillip Cahill @bfi1000
Visa handles everything I need for my daily purchases. Whether it's paying bills or just catching a bite to eat with some friends, the important thing is that I'm always confident in pulling it out that I'm secure when using it and that I know it will work. After stories of failed transactions or stolen information, this is exactly the card that I need and want. The rewards system doesn't hurt either.
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Robert Brasher @rsbrash
The main reasons I use my Visa and MasterCard are for security during online transactions. Though I could use my bank account, I find that the security features available for my cards make them a smarter choice. Using them also generates rewards that benefit me later as well. There is nothing better than buying a gift for someone with my cards and earning something for myself in the bargain.
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James St Claire @james.stclaire.1
I use my Visa and MasterCard for several things. One of the things I love to do is shop online. When you buy things online of course you are going to need a credit card. Last Christmas I actually did all my shopping online at stores like Amazon, Ebay, Gap, Macy’s and Old Navy. My credit cards also have reward points so I love using them whenever I get gas. They usually give you more points if you use the card at a gas station.
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William @sireggplant
With the kinds of cards you can get these days, using a credit card is so much more than what it used to be. It's not just a matter of buying things you don't yet have the cash for - sometimes it's just for the convenience. So simple to use, and with the Capital One Visa credit card you get your reward points. I try to use it instead of cash as much as I can, because even if I have the cash, I can use it to repay the balance within a month and have an improved credit score.
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James St Claire @james.stclaire.1
I do the exact same thing. I have cash but I always use my Amazon Visa credit card to pay for things. Not only is it more convenient but I also get reward points which then I can use to get cash back.
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Kyle Arnold @kyle.arnold.16940
I like the Chase Freedom card. A card with 0% on balance transfers for 15 months could really help someone pay down higher interest cards. Think how much you'll save in interest. You'll make up for that balance transfer fee pretty fast!
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Corbett Thomas @corbett.coats.5
It is very important to always have a master or visa card (I have a visa). Life is full of unexpected financial events and emergencies, and having my visa card gives me the peace of mind to know that I will be okay when faced with something like this. I really try to save my card for when I really need it, so that I will have a good credit balance available when the time comes. I use it every now and then for small purchases and pay it off so that it helps establish my credit. I also find that I have situations where I can only use a credit card as opposed to a debit card. I had to rent something recently, and they would only accept a credit card for me to be able to rent.
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Rebecca Gretzinger @rebecca_gretzinger
I use my Capital One Visa credit card for many purchases, not just for emergencies. More recently, I wanted to purchase a TV that was on sale for a limited time at a local retailer. I didn't have enough cash right at the moment, but I was lucky that I had my Visa card. I was able to charge the TV on my credit card to get the sale price at the store. And the great part was that I built up more reward points on my credit card to use later. I couldn't have done that with cash! I paid my balance in full within only one month to help increase my credit score. If I were to apply for another credit card, I definitely would pick another one with great rewards and a 0% transfer rate, like the Capital One Quicksilver Cash Rewards Card.
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Kathleen Morris @kathleen_morris_102
Credit cards are very useful tools to have around in your life. I use my Chase Freedom Visa card a lot, but I really use it during the holidays. Just this year alone, between September and December, I charged over $600.00 on it for gifts and decorations. I didn't mind using it because it was all for a good cause and I pay it back quickly. When it isn't holiday season, I find myself using my Chase Visa when there is an emergency or if I am low on cash and need to get something. I don't use it all that often, but I always have it on me in case I don't have enough cash or I want to indulge. I had to use my card for a dental procedure one time. If I didn't have my visa card, I don't know what I would have done. Overall, it is important to be responsible with any credit card you have. Using a credit card to charge things with no concern is not a good thing. Always remember to spend wisely and not get too out of control. If it is used the right way, credit is a wonderful thing.
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