Best Visa Credit Cards
WalletHub makes it easy to find the best Visa credit card for you.
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Best Visa Credit Cards
- Ink Business Preferred® Credit Card: Business Rewards
- Chase Sapphire Preferred® Card: Initial Rewards Bonus
- Costco Anywhere Visa® Card by Citi: Gas and Groceries
- OpenSky® Secured Visa® Credit Card: Rebuilding Bad Credit
- Capital One Venture Rewards Credit Card: No Foreign Fees
- Alliant Cashback Visa® Signature Credit Card: Excellent Credit
Wells Fargo Platinum card Wells Fargo Platinum card
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers, then a 16.49% to 24.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 Annual Fee
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum card
- Easy access to your FICO® Credit Score with Wells Fargo Online®
- Monitor your spending, purchases and any suspicious activity with text and email alerts and notifications
- Convenient tools to help create a budget and manage your spending with My Money Map
- Select "Apply Now" to learn more about the product features, terms and conditions
- See More Details & Reviews About TheWells Fargo Platinum card
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
- Earn unlimited 1.25X miles on every purchase, every day
- Travel when you want with no blackout dates and fly any airline, stay at any hotel, anytime
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Transfer your miles to over 15+ travel loyalty programs
- $0 annual fee and no foreign transaction fees
- Enjoy 0% intro APR on purchases for 12 months; 15.49% - 25.49% variable APR after that
- See More Details & Reviews About TheCapital One VentureOne Rewards Credit Card
Bank of America® Cash Rewards credit card Bank of America® Cash Rewards credit card

- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
- Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
- No expiration on rewards
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase
- No annual fee
- 0% Introductory APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers
- Contactless Cards - The security of a chip card, with the convenience of a tap
- See More Details & Reviews About TheBank of America® Cash Rewards credit card
Chase Freedom Unlimited® Chase Freedom Unlimited®

- Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
- Earn unlimited 1.5% cash back on all other purchases.
- Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
- No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
- No annual fee.
- 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
- See More Details & Reviews About TheChase Freedom Unlimited®
Chase Sapphire Preferred® Card Chase Sapphire Preferred® Card

- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card

- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 2 Visa® Credit Card
Capital One Venture Rewards Credit Card Capital One Venture Rewards Credit Card

- Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
- Earn unlimited 2X miles on every purchase, every day
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
- Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Venture Rewards Credit Card
Wells Fargo Cash Wise Visa® card Wells Fargo Cash Wise Visa® card
- Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
- Earn unlimited 1.5% cash rewards on purchases
- 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
- Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® card
- No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
- Select "Apply Now" to learn more about the product features, terms and conditions
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 14.49% to 24.99% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
- $0 annual fee
- See More Details & Reviews About TheWells Fargo Cash Wise Visa® card
OpenSky® Secured Visa® Credit Card OpenSky® Secured Visa® Credit Card

- No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
- The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
- Build credit quickly. OpenSky reports to all 3 major credit bureaus.
- 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
- We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
- *View our Cardholder Agreement located at the bottom of the application page for details of the card
- See More Details & Reviews About TheOpenSky® Secured Visa® Credit Card
Upgrade Visa® Card with Cash Rewards Upgrade Visa® Card with Cash Rewards

- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
- See More Details & Reviews About TheUpgrade Visa® Card with Cash Rewards
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Best Visa Cards of 2021

But there are a lot of great Visa credit cards on the market right now. And everyone should have at least one Visa card, as it’s the most widely accepted card network worldwide. You’ll want a 0% Visa with no annual fee if you’re looking to lower the cost of existing debt or avoid interest on a big-ticket purchase. If you’d rather earn free trips or cash back on everyday expenses, you’ll need a Visa rewards card. Just make sure to pay your bill in full every month, as rewards cards tend to have high interest rates.
With those fundamental rules in mind, WalletHub’s editors compared 599 offers in search of the best Visa credit cards for people’s most common needs. And they determined that the following offers lead the way.
Best Visa Credit Card Offers Compared
Visa Card | Best For | Annual Fee | Editor’s Rating |
Credit One Bank® Platinum Visa® with Cash Back Rewards | Fair Credit | $0 - $99 | 2.8 / 5 |
Chase Freedom Unlimited® | Cash Back | $0 | 4.7 / 5 |
Capital One Venture Rewards Credit Card | No Foreign Fees | $95 | 5.0 / 5 |
Costco Anywhere Visa® Card by Citi | Gas and Groceries | $0 | 4.7 / 5 |
Ink Business Preferred® Credit Card | Business | $95 | 5.0 / 5 |
Chase Sapphire Preferred® Card | Initial Rewards Bonus | $95 | 4.8 / 5 |
OpenSky® Secured Visa® Credit Card | Rebuilding Bad Credit | $35 | 4.0 / 5 |
You may also want to consider our editors’ picks for the year’s best Mastercard credit cards. Mastercard is on even ground with Visa in terms of cardholder benefits, and it’s almost as widely accepted worldwide. You can see how these two worldwide card networks compare in key categories from WalletHub’s Visa vs. Mastercard review.
Key Visa Credit Card Stats
- Visa Credit Card Acceptance Locations: 10.7 million
- Visa Credit Cards in Circulation: 344.7 million
- Visa Credit Card Users: 123.8 million
- Visa Credit Card Purchase Volume: $1.549 billion
- Average Visa Credit Card Purchase Amount: $81
- Outstanding Balances on Visa Credit Cards: $419.85 billion
Questions & Answers
Comparing visa card 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
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Featured Credit Cards
Ask the Experts
- Are there any good reasons for people to seek out a Visa credit card in particular?
- Why do so many people think Visa is their credit card company?
- Is it bad to have only Visa credit cards?
- How can Visa afford to offer such low currency conversion rates on international credit card transactions?
- Is a Visa card more valuable than an Amex or Discover card, simply due to its wider acceptance?
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Dima Leshchinskii
Ph.D., Associate Professor of Finance, Menlo College
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Merih Uctum
Professor of Economics, Brooklyn College and the Graduate Center, City University of New York
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Tingting Que
Assistant Professor of Finance, University of Alabama in Huntsville
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Jim Vogt
CFE, Lecturer, Charles W. Lamden School of Accountancy, San Diego State University
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Brian Gendreau
Richardson Faculty Fellow, University of Florida
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Jonathan Handy
Assistant Professor, Western Kentucky University
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