Best Visa Credit Cards

There is one Visa exchange rate for every type of currency, which can change once every 24 hours. And that rate is automatically applied to any international transaction made with a Visa credit card or debit card. You can easily check the latest Visa exchange rates online to get an idea of what to expect when traveling.

Here’s how to see your Visa exchange rate:

1. Go to Visa’s online Exchange Rate Calculator.

2. Select United States Dollar for your card’s currency.

3. Select the currency used by the merchant.

4. Enter your bank fee (foreign transaction fee), if applicable. Ideally, you should use a no foreign transaction fee credit card.

5. Put in today’s date (the tool can’t predict the future).

6. Click “Calculate Exchange Rates.”

Using a no foreign transaction fee Visa credit card when traveling abroad will save you up to 9% compared to converting hard currency, according to WalletHub’s Currency Exchange Study. But a Mastercard will do the trick, too. There’s actually not much difference between the exchange rates offered by these two worldwide card networks.

Lastly, you should always avoid Dynamic Currency Conversion (DCC). This is when a foreign vendor converts the price of a purchase to U.S. dollars, supposedly for your convenience. But that gives the merchant a chance to use an unfavorable exchange rate in place of the low rate you’d automatically get from Visa.

You can add authorized users on any type of credit card account, so you don't need to look for a specific card that offers that capability. As for the other part of your question, you can check out our Editors' Top Picks of the best Visa credit cards here. You might also be interested in checking out this article that will tell you everything you need to know about authorized users.

The best Visa credit cards for poor credit are the OpenSky Secured Visa (no credit check), the Harley-Davidson Secured Visa (no annual fee), and the Credit One Platinum Visa (no security deposit). Each is available to people with poor credit and reports info to the credit bureaus monthly. That gives you the opportunity to turn a bad credit score into a fair, or even good, one.

There are lots more Visa credit cards for bad credit available right now, too. So no matter how bad your score happens to be, you should be able to find a decent deal. The key is to compare cards based on how much they charge in annual-, monthly- and one-time fees. If you don’t need a credit card for borrowing purposes, don’t rule out secured cards. The deposit you have to place is refundable, unlike fees. 

That said, why don’t we take a closer look at more top offers?

Here are the best Visa credit cards for poor credit:

• OpenSky Secured Visa (no credit check): $35 annual fee. $200+ deposit.
  
• Harley-Davidson Secured Visa (no annual fee): $300+ deposit. 1 rewards point per $1 spent.
  
• Credit One Platinum Visa (no security deposit): $0-$99 annual fee. $300+ credit limit. 1% back on eligible purchases.
  
• Wells Fargo Secured Visa (low annual fee): $25 annual fee. $300+ deposit.
  
• USAA Secured Platinum Visa (military): $35 annual fee. $250+ deposit.
  
• Green Dot primor Visa Classic (no credit check): $39 annual fee. $200+ deposit.

Of course, there’s no reason to rule out Mastercard credit cards for poor credit, either. There are lots of good options in that category, too, including the Capital One Secured Mastercard. You might also want to consider the Discover it Secured Card, which offers the best rewards among credit cards for people with bad credit.

The OpenSky Secured Visa,First National Secured Visa and Credit One Visa are all good options for rebuilding credit. You can compare them and other offers on our bad-credit Visa page.

We actually recommend comparing all of the best credit cards for rebuilding credit, regardless of what card network they’re on. Getting approved for a card with no annual fee, for example, is usually much more important than getting a card from a particular issuer or network. You may also want to check out WalletHub’s guide on how to rebuild credit for some helpful tips.

Finally, make sure to sign up for WalletHub, if you haven’t already. We’ll help you track your credit improvement with free credit scores and reports, updated daily. And we’ll give you a full credit analysis, with personalized credit card recommendations.

Credit cards starting with 4 are on the Visa network, which means they can be used to make purchases from more than 40 million merchants in 200+ countries and territories. A credit card starting with 4 also gives you access to Visa’s standard benefits, including fraud liability protection. Individual card issuers may elect to provide additional Visa perks for certain types of accounts, too.

The first digit in a card number isn’t the only one with significance, though. The five digits that follow are especially important, as they correspond with the issuing bank.

Here are some common examples:

• 414705: Citibank Visa

• 414707: Bank of America Visa

• 414708: Bank of America Visa

• 414709: Capital One Visa

• 415156: Chase Visa