Best Visa Credit Cards

There is no minimum credit score requirement for Visa credit cards overall. A good credit score is recommended, though you will need a credit score of 700 or higher to be approved for some of the best Visa credit cards. You can get a Visa credit card with a bad credit score or no credit score at all.

Generally, a credit card network does not actually set credit score requirements for any of its cards. Credit scores and other requirements for approval are the responsibility of the banks and credit unions that issue Visa credit cards in the United States.

Credit Score Needed for Notable Visa Credit Cards

• Chase Sapphire Reserve®: Excellent credit (a credit score of 750+)
• Chase Freedom Unlimited®: Good credit (a credit score of 700+)
• Upgrade Cash Rewards Visa®: Fair credit (a credit score of 640+)
• Petal® 2 Visa® Credit Card: Limited History (less than 3 years of credit history)
• OpenSky® Secured Visa® Credit Card: Bad credit (a credit score of 300+)
• Credit One Bank® Platinum Visa® for Rebuilding Credit (Unsecured): Bad credit (a credit score of 300+)

You can check your credit score to be sure you’ll have high odds of being approved for a Visa credit card before you apply. Once you have your credit score, you can then search for appropriate Visa credit card offers online to get a better idea about which cards best fit your needs.

Visa and Mastercard are the two largest card networks in the world, accepted in more than 200 countries and territories. As card networks, Visa and Mastercard control where credit cards and debit cards can be used, as well as what secondary perks they offer – from $0 fraud liability guarantees to rental car insurance. Neither Visa nor Mastercard actually issues credit cards, unlike the two other leading card networks: American Express and Discover.

You should only worry about whether to get a Visa or Mastercard if you’re torn between two offers. In other words, if two cards have identical rewards, rates and fees, then it’s appropriate to weigh the small differences that exist between Mastercard and Visa.

For more information about how Visa and Mastercard compare, consult the table below. Make sure to also check out our editor’s picks for the best Visa and Mastercard credit cards.

View entire answer

The best Visa credit cards are some of the best credit card offers on the market because they have big sign-up bonuses, 0% introductory APRs or $0 annual fees, plus other money-saving features. To identify the best Visa cards in the most popular categories, WalletHub’s editors compared the latest Visa credit card offers based on their rewards, interest rates, fees and approval requirements (some cards are from WalletHub partners). You can see the top cards below.

It’s important to note that Visa doesn’t actually issue credit cards. Visa is a card network, which means it dictates where a credit card can be used and what benefits it provides – rental car insurance and extended warranties, for example. Furthermore, merchants in more than 200 countries and territories accept credit cards on the Visa network, including roughly 11 million merchant locations in the U.S. alone.

Still, you can’t be sure you’ve found the best deal if you limit your options to just half the market. So we recommend comparing the following Visa credit cards to the best Mastercard credit cards, at the very least

Best Visa Credit Cards (March 2023)

View entire answer

The highest level for a Visa card is Visa Infinite, topping Visa Signature and standard Visa cards. Visa Infinite benefits are reserved for the most premium credit cards, and they can save you a lot of money.

For instance, Visa Infinite cardholders can get a $100 discount from the final price of any round trip domestic flight booked for two or more people, if the booking is made directly through the Visa Discount Air website. Cardholders also enjoy a Global Entry application fee credit, discounts at participating car rental companies worldwide, primary rental car insurance, purchase protection, travel accident insurance, and trip delay reimbursement, among other perks.

Lastly, you will benefit from automatic room upgrades on arrival and complimentary breakfast when you book a hotel stay with a Visa Infinite card. It’s important to note that while these are possible perks of the Visa Infinite, the extent of these benefits depends on the issuer. Therefore, it is best to check the Guide to Benefits of the specific card a prospective applicant is looking at.

If you’re looking for the highest Visa credit card limit, the Chase Sapphire Preferred is your best bet. Many users report credit limits of $12,000+, but your mileage may differ based on your credit score and income. 

The main Visa credit card phone numbers for customer support are (800) 847-2911 in the United States and Canada and (303) 967-1096 abroad. The Visa credit card phone number for hearing-impaired callers in the U.S. and Canada is (800) TDD-1213. All three Visa card phone lines are open 24 hours a day, 7 days a week. 

There are only a few reasons to call Visa customer support instead of your credit card’s issuer. Visa is able to answer questions regarding Visa benefits, for example. They offer “Travel and Emergency Assistance” that connects cardholders with medical, legal and transportation help. Plus, Visa can arrange for emergency cash delivery in the event of a lost or stolen card. They can help report the card lost or stolen, too. But it’s best to go directly to the card’s issuer for that. Visa support can help connect you with your issuer if you don’t know how to contact them.  

Visa Credit Card Phone Numbers:

• Cardholders in the U.S. and Canada: (800) 847-2911.
• Cardholders outside of the U.S.: (303) 967-1096. Call collect via the local operator.
• Hearing impaired, U.S. and Canada: (800) TDD-1213.
• Hearing impaired, outside of U.S.: (512) 865-2002.
• Toll-free outside of the U.S. and Canada: A list of toll-free numbers for each country is available on the Visa website.

You should not call Visa customer support with card-specific questions. You should direct queries concerning applications, credit limits, billing disputes, etc., to the bank or credit union that issues the Visa credit card in question. Each has its own phone number, which you can find on the back of the card.

Visa and Mastercard are tied in the categories that matter most to consumers. Both Visa and Mastercard are accepted in more than 200 countries, and it is rare to find a location that accepts one but not the other. Furthermore, both Visa and Mastercard administer certain benefits programs, including rental car insurance and extended warranties. But individual card issuers decide what coverage cardholders receive.

So it doesn’t really matter whether you have a Visa or Mastercard in your wallet. As long as you have at least one of them and your card offers competitive terms, you’ll be in good shape. If you’d like to learn more about the similarities and differences between Visa and Mastercard, including how the best credit cards on each network compare, check out WalletHub’s complete Visa vs. Mastercard review.

To log in to your Visa credit card’s online account, you have to either visit the issuer’s website, or use its mobile app; Visa, as a card network, does not have a credit card login page.

Dozens of different banks and credit unions issue credit cards on the Visa network. The same is true with credit cards on the Mastercard network. One thing that may confuse some people, however, is the fact that the other two major card networks – American Express and Discover – also issue their own credit cards. So, with those cards, the network’s website does happen to be where you’d log in for online account management.

The login process is pretty much the same for all Visa credit cards, although user ID and password requirements may vary by issuer. Some issuers also offer an app for mobile account management. Whether though a credit card issuer’s website or its mobile app, you will be able to view account information such as your payment due date, minimum amount due, posted and pending transactions, total credit limit, available credit, and more. You can also make payments, view past statements, redeem rewards, request a credit limit increase, chat with a customer service representative, etc. Just make sure to choose a secure password, and change it regularly.