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Best Visa Credit Cards
WalletHub makes it easy to find the best Visa credit card for you.
VISA CARD
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Wells Fargo Reflect℠ Card Wells Fargo Reflect℠ Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension of up to 3 months with on-time minimum payments during the intro and extension periods. 14.49% to 26.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5
- $0 Annual Fee
- Get up to $600 of cell phone protection when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Through My Wells Fargo Deals, you can earn cash back in the form of a statement credit while you shop, dine, or enjoy an experience simply by using your eligible Wells Fargo Credit Card
- Select "Apply Now" to learn more about the product features, terms and conditions
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- Reports to the three major credit bureaus
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- Limited Time Offer!
- 0% Intro APR on purchases and balance transfers for 20 billing cycles. After that, a variable APR currently 15.99%-25.99%.
- 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 U.S.Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
- Choose a payment due date that fits your schedule
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
- Terms and conditions apply.
Chase Sapphire Reserve® Chase Sapphire Reserve®

- Initial Bonus: 60,000 points
- $300 Annual Travel Credit
- Up To 15% Back On Hotels and Car Rentals
- High Annual Fee
- High APR
- New Offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on air travel and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
- With Pay Yourself Back℠, your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Wells Fargo Active Cash® Card Wells Fargo Active Cash® Card
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 16.49%, 21.49%, or 26.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- 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 Active Cash® Card
- Select "Apply Now" to learn more about the product features, terms and conditions
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- Foreign fee
- Requires good/excellent credit
- New! $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
- 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
- 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center
- 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
- 1% cash back on all other eligible purchases
- Terms and conditions apply.
- 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 15.99% - 25.99%
- No Annual Fee
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Bank of America® Travel Rewards credit card Bank of America® Travel Rewards credit card

- 25,000 points initial bonus ($250 in travel)
- 1.5 points / $1 spent
- No annual fee or foreign transaction fees
- User-friendly travel rewards redemption
- Very high regular APR
- Requires excellent credit
- Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire.
- 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
- Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
- Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
- If you're a Preferred Rewards member, you can earn 25% - 75% more points on every purchase. That means you could earn up to 2.62 points for every $1 spent.
- 0% Introductory APR for 15 billing cycles for purchases. After the intro APR offer ends, 14.74% - 24.74% Variable APR will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Chase Slate Edge℠ Chase Slate Edge℠

- 0% for 18 months on purchases and balance transfers
- $0 annual fee
- High regular APR likely
- Balance transfer fee
- Start off strong with 0% Intro APR for 18 months from account opening on purchases and balance transfers. A variable APR of 15.74% - 24.49% on balance transfers and purchases after the introductory period ends.
- Lower your interest rate by 2% each year. Automatically be considered for an APR reduction when you pay on time, and spend at least $1000 on your card by your next account anniversary.
- Raise your credit limit. Get an automatic, one-time review for a higher credit limit when you pay on time, and spend $500 in your first six months.
- All for no annual fee - You won't have to pay an annual fee for all the great features that come with your Slate Edge℠ card
- Keep tabs on your credit health - Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more
Bank of America® Unlimited Cash Rewards credit card Bank of America® Unlimited Cash Rewards credit card

- $200 initial bonus (online exclusive)
- 1.5% Cash Back on all purchases
- No annual fee
- Low intro APRs
- Potential for a very high regular APR
- 3% foreign transaction fee
- $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
- Earn unlimited 1.5% cash back on all purchases.
- If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. That means you could earn up to 2.62% cash back on every purchase.
- No limit to the amount of cash back you can earn and cash rewards don’t expire.
- 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, 14.74% - 24.74% 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Bank of America® Customized Cash Rewards credit card Bank of America® Customized Cash Rewards credit card

- $200 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- $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.
- If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase. That means you could earn up to 5.25% cash back on purchases in your choice category.
- No annual fee and no expiration on rewards.
- 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, 14.74% - 24.74% 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.
- This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.
Chase Freedom Unlimited® Chase Freedom Unlimited®

- Earn rate: 1.5 - 5% Cash Back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
- Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 15.74% - 24.49%.
- No annual fee - You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Best Visa Cards of 2022
Chase Freedom Unlimited®
The best Visa credit card is the Chase Freedom Unlimited® card because it has a $0 annual fee, great rewards, and a 0% intro APR. In terms of rewards, Chase Freedom Unlimited offers 5% cash back on travel through Chase, 3% back at restaurants and drugstores, and 1.5% back on all other purchases (plus an additional 1.5% cash back on everything, up to $20,000 spent the first year). When it comes to interest rates, the card offers 0% for 15 months on purchases and balance transfers. The regular APR that kicks in afterward isn’t so attractive, though.Applicants with good credit or better can get approved for this card.
Wells Fargo Active Cash® Card
The best Visa credit card for cash back rewards is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on all purchases and has a $0 annual fee. Plus, new cardholders can get an attractive initial bonus: $200 cash rewards after spending $1,000 in the first 3 months.
Wells Fargo Active Cash also offers an introductory APR of 0% for 15 months from account opening. The card requires at least good credit for approval.
Upgrade Visa® Card with Cash Rewards
The best Visa credit card for fair credit is the Upgrade Visa® Card with Cash Rewards because it has a $0 annual fee and rewards cardholder purchases with 1.5% cash back. Cardholders can also get a bonus for opening an Upgrade Rewards Checking account and making a few debit card purchases.
Petal® 2 Visa® Credit Card
The best Visa credit card for beginners is the Petal® 2 Visa® Credit Card because it’s available to applicants with limited to no credit, 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.
Bank of America® Premium Rewards® credit card
The best Visa credit card for travel is the Bank of America® Premium Rewards® credit card because it offers a ton of rewards value, starting with an initial bonus of 50,000 points (for spending $3,000 in the first 90 days), worth $500. Plus, cardholders get 1.5 - 2 points per $1 spent on purchases, annual statement credits for airline incidentals, and a credit for the cost of applying for TSA PreCheck/Global Entry.
The Bank of America Premium Rewards credit card is affordable, too, with an annual fee of $95. You also need excellent credit to get approved.
Ultimately, 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 900 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 Comparison
Visa Card | Best For | Annual Fee | Editor’s Rating |
Chase Freedom Unlimited® | No Annual Fee | $0 | 5/5 |
Wells Fargo Active Cash® Card | Cash Back | $0 | 4.7/5 |
Upgrade Visa® Card with Cash Rewards | Fair Credit | $0 | 4.2/5 |
Petal® 2 Visa® Credit Card | Beginners | $0 | 5/5 |
Bank of America® Travel Rewards Credit Card for Students | Students | $0 | N/A |
Bank of America® Premium Rewards® credit card | Travel | $95 | 4.8/5 |
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.
Popular Banks That Offer Visa Credit Cards
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
Methodology for Selecting the Best Visa Credit Cards
To identify the best Visa credit card offers, WalletHub’s editors regularly compare all of the Visa cards from our database of 1,500+ credit card offers. We consider the average person’s expected savings with each card, first and foremost, by calculating how much a cardholder would earn in rewards or spend on interest charges and then subtracting relevant fees. We also consider approval requirements and special perks, among other factors.
This enables us to ultimately select the best Visa cards for rewards, business, bad credit and other popular categories.
About the author
John Kiernan has covered the credit card industry for more than 10 years as a writer and editor for WalletHub. His work has been featured by major media outlets such as The Washington Post and The New York Times and has been cited by industry regulators such as the Consumer Financial Protection Bureau. Read Full Author Bio
Best Visa Credit Cards FAQ
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 more
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Featured Credit Cards
Ask the Experts
In search of insights to help people better understand Visa’s role in the credit card market, we posed the following questions to a pair of leading personal finance experts. You can check out their bios and responses below.
- 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?
Assistant Professor, College of Business and Computing, Georgia Southwestern State University
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Department of Economics, School of Business, Southern Connecticut State University
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Associate Professor of Finance and Economics, Joseph W. Luter, III School of Business, Associate Director, Public History Center, Christopher Newport University
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Ph.D., Associate Professor of Finance, Menlo College
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Assistant Professor of Finance, University of Alabama in Huntsville
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Professor of Economics, Brooklyn College and the Graduate Center, City University of New York
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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