Best Visa Credit Cards

Benefits

If you think the only thing better than travel is free travel, then you need the Chase Sapphire Preferred Card in your wallet. This powerhouse credit card offers a 60,000-point sign-up bonus. Just spend $4,000 on purchases in the first 3 months you have the card to qualify. The Sapphire Preferred Card offers benefits which include a $50 annual Ultimate Rewards Hotel Credit, 5x points on travel purchased through Chase Ultimate Rewards, 2x points on other travel purchases, 3x points on dining purchases at restaurants, eligible delivery and take out worldwide, and earn 1x point per dollar on everything else. You can use Chase Ultimate Rewards® points for travel, cash back and gift cards. Cardholders can also transfer points to partners like United Airlines and Marriott for award reservations. Chase points are flexible and valuable. The sign-up bonus alone is worth at least $750 in free travel.

Things to Consider

While this card is loaded with benefits, it does charge a $95 annual fee. The card is only available to applicants with good to excellent credit. It charges standard, variable rate purchase APRs of 16.74% - 23.74% Variable based on your credit history. Late payments, cash advances and balance transfers all require an additional fee.

Our Verdict

This card gives you access to travel nearly anywhere in the world. The 60,000-point sign-up bonus is valuable enough to book a super saver travel reward, round-trip flight to Europe for just the cost of taxes and fees. With benefits including travel and rental car insurance and no foreign transaction fees, you’ll save money while enjoying the beach, a metropolitan city or somewhere else on your bucket list. Once you apply, your next big decision is where you want to go next. With such flexible and valuable rewards, you’ll be on your next free trip in no time.

Benefits

If you have a preference for using a Visa credit card and you enjoy earning cash back, Costco Anywhere Visa Card by Citi (a SmartAsset advertising partner) is for you. When you sign up and use this card, you will earn 4% cash back on eligible gas purchases (up to $7,000 per year). When you use your card at restaurants and on eligible travel, you will earn 3% back. You can earn 2% cash back when you shop at Costco and Costco.com. All other purchases will earn 1% back.

One great feature for anyone who doesn’t like paying annual fees on their credit card is that Costco Anywhere Visa Card by Citi has no annual fee with your paid Costco membership.

Things to Consider

One of the biggest drawbacks to this card is how you will receive your cash back rewards. Instead of being able to cash out freely, you will receive a cash back check once per year. If you are hoping for more flexible redemptions, this could be something to think about. Costco Anywhere Visa Card by Citi also doesn’t come with a welcome bonus.

Verdict

If you frequently shop at Costco and are looking for a Visa cash back card, Costco Anywhere Visa Card by Citi is an excellent choice. You can earn up to 4% cash back on the purchases you make most. Plus, you won’t pay an annual fee as long as you keep your paid Costco membership.

Benefits

One of the best Visa cards available for anyone needing to complete a balance transfer is the Chase Slate Edge card. With this card you will receive an introductory 0% APR for the first 18 months. This can give you the time you need to pay off your debt and get your finances back on track. After the introductory period is over, the APR will change to 15.74% - 24.49% Variable.

What makes this card really special is that you can reduce your APR by 2% every year if you pay your bill on time and spend at least $1,000 on the card by your annual account anniversary. You can also access a reduced balance transfer fee of $5 or 3%, whichever is greater, if you can manage to make a balance transfer within 60 days of your account opening. After that time, it will change to $5 or 5% of the transferred balance, whichever is greater.

Each month you will have access to your FICO® score, which will give you an inside look at how paying off your debt is having an effect on your credit. With Chase Slate Edge card you will not pay an annual fee and there is no penalty APR if you happen to be late on a payment.

Things to Consider

You will not receive a sign-up bonus of any kind when you sign up for Chase Slate Edge card. You also won’t receive rewards on purchases that you make. Once you have completed your balance transfer and paid down the debt, you’re probably better off using a different card that will provide you with rewards.

Verdict

If you have debt that you need to pay off, Chase Slate Edge card is a great choice. You will receive a lengthy introductory 0% APR, the ability to reduce your APR over time, a reduced balance transfer fee in the beginning and no annual fee.

Benefits

If you’re looking for a new Visa credit card, then there is no shortage of cards for you to choose from. One of the best is the Chase Sapphire Reserve card. When you sign up for this card you will earn a bonus of 60,000 Chase Ultimate Reward® points after spending $4,000 in the first 3 months.

Where this card shines is its earning potential on purchases and exclusive perks for travelers. Earn 5x total points on air travel and a total of 10x points on car rentals and hotels when you purchase through Chase Ultimate Rewards immediately after you spend the first $300 on travel purchases annually. Earn 3x points on all other travel and when you dine at restaurants worldwide (including takeout and eligible delivery services), and receive 1x point per dollar spent on everything else. When it comes time to redeem your points you can do so on travel through Chase Ultimate Rewards® at a 50% bonus. You can also transfer points to several different loyalty partners.

The Chase Sapphire Reserve card is an elite credit card, which means it comes with elite travel benefits. You will receive a $300 annual travel statement credit. You will also have complimentary access to over 1300+ airport lounges worldwide. When you sign up for Global Entry or TSA Precheck®, you will receive up to a $100 statement credit to cover the cost.

Because this is a Visa Infinite® card you will also receive several other valuable benefits. Some of them include:

• $50 reimbursement for roadside assistance
• Trip cancellation/interruption insurance
• Travel accident insurance
• GoGo inflight Wi-Fi passes for 12 flight segments
• Enhance car rental privileges, including discounts and upgrades
• Many more

Things to Consider

Because this is an elite card, it also has an elite price tag. The annual fee is $550, which can scare some people off. Depending on how much you spend on travel and at restaurants, it could be well worth the fee.

Verdict

If you can stomach the high annual fee, this card offers a lot of value to the frequent traveler. Not only does it offer the ability to earn a generous amount of rewards, but the benefits from being a Visa card are high.

Benefits

If you are a small business owner looking for Visa credit card, then a great option is the Ink Business Preferred Credit Card. When you sign up, you’ll receive 100,000 Chase Ultimate Reward® points after spending $15,000 in the first 3 months.

You’ll then earn 3x points on the first $150,000 spent each year on travel, shipping, Internet, cable and phone services and on advertising with social media and search engines. Any other purchases made will earn an unlimited 1x points. When you use your points to book travel through Chase Ultimate Rewards, they will be worth 25% more. That means the sign-up bonus would have a value of $1250.

Because this is a Visa Signature Business card there are several other benefits, including roadside assistance, travel accident insurance, lost luggage assistance, auto rental collision and damage waiver.

Things to Consider

While this card has a lot to offer in terms of rewards, it does come with an annual fee of $95. Depending on how much you plan to spend with the card, this can be a very manageable annual fee. Additionally, the card doesn’t include an introductory 0% APR, which might be a negative if you are planning a large business purchase in the near term.

Verdict

If you are looking to add a Visa small business card to your wallet, then you can’t go wrong with the Ink Business Preferred Credit Card. Not only will it offer a high sign-up bonus, but it also offers bonus points on several popular business expenses.