WalletHub Best Visa Credit Cards
WalletHub experts track 1,500+ offers to help you get the best Visa credit card
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.... show more... show more
5 Best Visa Credit Cards (October 2023)
- Winner: Chase Freedom Unlimited®Chase Freedom Unlimited®Learn MoreLearn Moreon issuer's website
- Rates & FeesCash Back: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
- Fair Credit: Upgrade Cash Rewards Visa®Upgrade Cash Rewards Visa®Learn MoreLearn Moreon issuer's website
- Beginners: Petal® 2 Visa® Credit CardPetal® 2 Visa® Credit CardLearn MoreLearn More
- Rates & FeesTravel: Capital One Venture X Rewards Credit CardCapital One Venture X Rewards Credit CardLearn MoreLearn Moreon issuer's website
FILTER VISA CREDIT CARDS
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- $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 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
- 60,000 points - initial bonus
- Up to 6.25% back when redeeming for travel
- No foreign transaction fees
- $95 Annual fee
- 1 point per $1 base earn rate
- 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 initial rewards bonus
- Balance transfer fee
- High regular APR
- 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
- $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 initial bonus (online exclusive)
- Up to 3% cash back
- No annual fee
- Potential for a very high regular APR
- 3% foreign-transaction fee
- 75,000-mile initial bonus
- 2 - 10 miles per $1 spent on purchases
- Annual statement credit & bonus opportunities
- Airport lounge access
- $395 annual fee
- Not good for financing
- Requires excellent credit
- Qualify with limited or no credit history
- Does not require security deposit
- Membership fees
- No rewards
- High regular APR
- Foreign fee
- 0% for 18 months on purchases and balance transfers
- $0 annual fee
- High regular APR likely
- Balance transfer fee
Our picks for the best Visa credit cards in October 2023
Chase Freedom Unlimited®
Why We Like It: Chase Freedom Unlimited® is the best Visa credit 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.
What We Don’t Like: The regular APR that kicks in after the promotional rates expire isn’t so attractive.
Who Should Get It: Consider applying if you have good credit or better and want a great all-around credit card offer.
Alternatives to Consider: The Wells Fargo Active Cash® Card is an excellent option if you’d prefer a flat rewards rate on all purchases.
Wells Fargo Active Cash® Card
Why We Like It: The Wells Fargo Active Cash® Card is the best Visa credit card for cash back rewards 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 $500 in the first 3 months.
Wells Fargo Active Cash also offers an introductory APR of 0% for 15 months from account opening.
What We Don’t Like: Carrying a balance from month to month will get expensive after the introductory interest rates expire and a high regular APR takes effect.
Who Should Get It: Apply for Wells Fargo Active Cash if you have good credit or better and you want straightforward rewards with above-average value.
Alternatives to Consider: The Citi Double Cash Card offers similar rewards, but it’s on the Mastercard network.
Upgrade Cash Rewards Visa®
Why We Like It: The Upgrade Cash Rewards Visa® is the best Visa credit card for fair credit because it has a $0 annual fee and rewards you with 1.5% cash back. New cardholders can also get a bonus for opening an Upgrade Rewards Checking account and making a few debit card purchases.
What We Don’t Like: You don’t get your rewards until you pay the bill, and balances carried from month to month are likely to accrue interest at a high rate.
Who Should Get It: Consider applying for this card if you have fair credit, you want to earn above-average rewards on all purchases, and you plan to pay the bill in full by the due date every month.
Alternatives to Consider: The Capital One QuicksilverOne Cash Rewards Credit Card also has good rewards and is available to people with limited or fair credit. But there’s an annual fee of $39, and it’s a Mastercard.
Petal® 2 Visa® Credit Card
Why We Like It: The Petal® 2 Visa® Credit Card is the best Visa credit card for beginners because it’s available to applicants with limited to no credit, it has a $0 annual fee and it rewards cardholders with at least 1% cash back on all purchases. Consistently paying the bill on time increases your rewards rate over time.
What We Don’t Like: You have to prove yourself for months before earning an above-average rewards rate. Plus, carrying a balance from month to month figures to be very expensive.
Who Should Get It: Consider applying for Petal 2 Card if you have limited credit history and you want to earn rewards on purchases while building a solid credit score.
Alternatives to Consider: The Capital One Platinum Credit Card is one of the best starter credit cards available right now, but it’s a Mastercard. Alternatively, if you’re a college student, there are several great options with rewards and low fees among WalletHub’s picks for the best student credit cards.
Capital One Venture X Rewards Credit Card
Why We Like It: The Capital One Venture X Rewards Credit Card is the best Visa credit card for travel because it offers a ton of rewards value, starting with an initial bonus of 75,000 miles (for spending $4,000 in the first 3 months), worth $750 in travel. Plus, cardholders get 2 - 10 miles per $1 spent on purchases, airport lounge access, and opportunities to earn valuable statement credits.
What We Don’t Like: Capital One Venture X has an annual fee of $395.
Who Should Get It: Consider applying for this card if you have excellent credit, the rewards and perks match up well with your spending habits, and you can easily afford the annual fee.
Alternatives to Consider: The Capital One Venture Rewards Credit Card and the Bank of America® Premium Rewards® credit card offer great travel rewards and have lower annual fees. Both are on the Visa network.
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 roughly 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® | Winner | $0 | 5/5 |
| Petal® 2 Visa® Credit Card | Beginners | $0 | 5/5 |
| Wells Fargo Active Cash® Card | Cash Back | $0 | 5/5 |
| Upgrade Cash Rewards Visa® | Fair Credit | $0 | 4.2/5 |
| Capital One Venture X Rewards Credit Card | Travel | $395 | 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
How we picked 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.
Sources
WalletHub actively maintains a database of 1,500+ credit card offers, from which we select the best Visa credit cards for different applicants as well as derive market-wide takeaways and trends. The underlying data is compiled from credit card company websites or provided directly by the credit card issuers. We also leverage data from the Bureau of Labor Statistics to develop cardholder profiles, used to estimate cards’ potential savings.
About the author
John S Kiernan
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. WalletHub independently collected information for some of the cards on this page.show more
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Are Visa credit cards accepted everywhere internationally? Reply
Visa cards are accepted in more than 200 countries and territories. So you can use a Visa credit card pretty much everywhere that takes plastic around the world. Visa is not the most widely accepted card network, however. That distinction goes to Mastercard, which is accepted in more than 210 countries and territories. You can use a Visa card far more places internationally than a Discover or American Express card, though.
One of the nice things about using a Visa card internationally is the fact that you’ll automatically get a low currency conversion rate. Foreign transaction fees are one thing to watch out for, though. Most Visa credit cards still charge them. And foreign fees can apply to any purchase processed internationally, whether you’re physically abroad or not. But there are hundreds of no foreign fee Visa cards to choose from, so you should have no problem finding an offer that meets your needs.
Here are some of the best Visa credit cards for international travel:
- Best Overall: Capital One Venture Rewards Credit Card
- Best for Airline Miles: British Airways Credit Card
- Best for Hotel Points: Marriott Bonvoy Boundless® Credit Card
- Best for Students: Bank of America® Travel Rewards credit card for Students
- Best for Business: Ink Business Preferred® Credit Card
- Best for Fair Credit: USAA Rate Advantage Visa® Platinum Credit Card
- Best for Limited Credit: Petal 2 Visa® Credit Card
One other thing you need to watch out for when using a Visa credit card internationally is called Dynamic Currency Conversion. That’s when a merchant offers to convert your purchase total to U.S. dollars as an excuse to use a high exchange rate and profit a bit more. But as long as you make sure the transaction is expressed in the local currency, there’s nothing to worry about.
What are the best Visa credit cards for rewards?
A Visa rewards card would be a great addition to most wallets, as such a card allows you to make purchases pretty much anywhere in the world that takes plastic and earn points, miles or cash back in the process. But there’s a lot of variety among Visa rewards credit cards (some of which are issued by WalletHub partners), so it’s important to choose carefully. For starters, Visa rewards cards are issued by lots of different credit card companies. That’s because Visa is a card network, which means it dictates where a card can be used rather than actually issuing the card and managing the account. It’s actually one of only two truly global card networks, along with Mastercard, allowing you to make purchases in over 200 countries and territories. Visa rewards credit cards also differ in terms of rewards currency (points, miles or cash), credit score requirements, fees, interest rates and secondary benefits.
Given that so many Visa rewards credit cards are available, finding the right one can be tough. But WalletHub’s editors have done the homework for you, comparing all of the Visa rewards cards in our database of 1,000+ credit card offers to find the best options for different types of applicants. You can check out their picks below.
Best Visa Rewards Cards
- Capital One Venture Rewards Credit Card: Winner
- Chase Freedom Unlimited®: Cash Back
- Ink Business Cash® Credit Card: Small Business
- Credit One Bank® Platinum Visa® for Rebuilding Credit: Bad Credit
- Chase Sapphire Preferred® Card: Points
- Alaska Airlines Credit Card: Airline Miles
How much does it cost to get a Visa card? Reply
Getting a Visa card costs as little as $0, depending on the type of Visa card you get. Visa gift cards often have a one-time fee of $2.95 to $6.95 at the time of purchase, based on the gift card’s value, whereas most Visa debit cards and credit cards cost nothing to get. Some Visa credit cards charge an annual fee for the privilege of owning the card, though, and the checking account a debit...
Can Visa be used as a credit card? Reply
Yes, a Visa card can be used as a credit card because Visa is a card network that includes credit cards, along with debit cards, prepaid cards and gift cards. You can also choose to use your Visa debit card as a credit card while shopping by selecting credit on the payment terminal.
Selecting credit when checking out with a Visa debit card doesn't actually make your card a credit card, though. Instead, the...
What is the highest level for a Visa credit card? Reply
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...
What are the Visa credit card phone numbers for customer support? Reply
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.
Reasons to Call Visa Credit Card Customer Service
There are only a few reasons to call Visa customer support instead of your...
How do I log in to my Visa credit card account? Reply
To log in to your Visa credit card account, start by identifying the issuer of your card (the name will be on the card, along with Visa), then navigate to the issuer’s website or mobile app. Visa is a card network and does not have its own credit card login page. From the issuer’s website or app, the login process is pretty much the same for all Visa credit cards, though user ID and password requirements may vary...
Featured Credit Cards
Expert Opinions
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 cards on other networks, due to its nearly universal acceptance?
Instructor, University of South Carolina Lancaster
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Ph.D., CFLE, MBA – Assistant Professor, Department of Psychology and Family Science – Mississippi University for Women
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Ph.D., Professor Emeritus, Donald W. Scott College of Business, Indiana State University
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Philip H. Knight Chair, Head, Department of Marketing, University of Oregon, Lundquist College of Business
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Professor, Loyola University Maryland, Sellinger School of Business and Management
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DBA, CFS, CAS, Chair, Graduate Program, Director of Financial Planning, Associate Professor of Business and Management, College of Business and Management, Hope International University
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† 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.
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