Best Visa Credit Cards

Why We Like It: The Chase Sapphire Preferred® Card is the best Visa credit card for travel because it offers a boatload of rewards value, starting with an initial bonus of 60,000 points (for spending $4,000 in the first 3 months), worth $750 in travel booked through Chase Travel.

In addition, you get 1 - 5 points per $1 spent on purchases, which will be especially helpful if you spend a lot on travel, dining, online grocery orders, and streaming services.
 
What We Don’t Like: Chase Sapphire Preferred has an annual fee of $95. Earning the initial bonus covers the cost early on, however, and the ongoing rewards will make it easy to get your money’s worth after that.  
 
Who Should Get It: Consider applying for this card if you have good credit, the ongoing rewards and perks match up well with your spending habits, and you can easily qualify for the initial bonus.

Why We Like It: The Capital One Venture Rewards Credit Card is one of the best travel credit cards on the market because it has exceptional rewards and allows you to use them to pay for any travel purchase. For example, spending $4,000 in the first 3 months will get you 75,000 bonus miles, which you can redeem for $750 in statement credits to cover any travel-related charges on your bill. 

The initial bonus is very good, but the ongoing rewards are where Capital One Venture really shines compared to the competition. You will earn rewards at an above-average rate no matter what you buy, and you can easily turn them into travel savings. Plus, Venture doesn't charge foreign transaction fees.

What We Don’t Like: There is an annual fee of $95 and a high APR. Fortunately, the rewards make paying that annual fee worthwhile, and you can avoid interest charges by paying the bill in full monthly.

Who Should Get It: Apply for Capital One Venture if you have good credit or better and you like to travel but don’t want to commit to a hotel or airline rewards program. You should also plan to pay your bill in full every month in order to avoid interest.

Why We Like It: The Southwest Rapid Rewards® Priority Credit Card is the best Visa credit card for airline rewards because it has a generous initial bonus and more than enough ongoing perks to offset its annual fee.

For starters, you can get 50,000 points after spending $1,000 in the first 3 months. Those bonus points are worth $695. You’ll also earn 3 points per $1 spent on Southwest purchases, 2 points per $1 on Rapid Rewards hotel and car partners, 2 points per $1 on local transit and commuting, including rideshare, 2 points per $1 on internet, cable, phone services, and select streaming, and 1 point per $1 on all other purchases.

In addition, this card gets you a $75 Southwest travel credit each year, two free checked bags each flight, priority boarding, and 25% back on in-flight Wi-Fi and drinks.
 
What We Don’t Like: The Southwest Rapid Rewards® Priority Credit Card has an annual fee of $149 and a high APR. Still, it’s worth getting if you use it regularly and avoid interest charges by paying your bill in full each month.
 
Who Should Get It: Apply for the Southwest Rapid Rewards® Priority Credit Card if you have good credit or better and you can choose Southwest Airlines when you fly.
 

Why We Like It: The The World of Hyatt Credit Card is the best Visa credit card for hotel points because there are lots of good opportunities to earn bonus rewards. First of all, you can get an initial bonus of 30,000 points for spending $3,000 in the first 3 months.

You will also get 4 points per $1 spent at Hyatt hotels, 2 points per $1 at restaurants, on tickets booked with airlines, transit and gym memberships, 2 points per $1 on all other purchases in the first 6 months (on up to $15,000 spent), 1 point per $1 on all other purchases after that. Plus, the The World of Hyatt Credit Card gives complimentary World of Hyatt Discoverist status and 1 free night per year after your first account anniversary.
 
What We Don’t Like: The The World of Hyatt Credit Card has a $95 annual fee and a high APR. The annual fee is easily worth paying given the rewards and free nights it unlocks, and you can avoid interest charges by paying your full statement balance by the due date each month.
 
Who Should Get It: Apply for the The World of Hyatt Credit Card if you have good credit or better, you spend several nights in hotels each year, and Hyatt properties are an option for you where you travel.
 

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. You can get bonus rewards and a low APR initially, too.

You can easily get an extra $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 to help you minimize the cost of big-ticket purchases or balance transfers.
 
What We Don’t Like: Carrying a balance from month to month will get expensive after the introductory interest rate expires and a high regular APR (20.24% - 29.99% Variable) takes effect. There’s a balance transfer fee, too. Both features are pretty standard, though, and they shouldn’t stop you from applying.
 
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.

Why We Like It: Chase Freedom Unlimited® is the best Visa credit card for bonus cash back rewards because it gives you 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). Chase Freedom Unlimited has a $0 annual fee and a 0% intro APR, too. You can get 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, but it doesn’t have to cost you any money.
 
Who Should Get It: Consider applying if you have good credit or better and want a great all-around credit card offer.

Why We Like It: The Wells Fargo Active Cash® Card is the best Visa credit card for bonus cash back because it offers $200 cash rewards after spending $500 in the first 3 months. It also has a $0 annual fee and gives 2% cash rewards on all purchases.

In addition to those standout rewards, you can get an introductory APR of 0% for 15 months from account opening to help you minimize the cost of big-ticket purchases or balance transfers.

What We Don’t Like: Carrying a balance from month to month will get expensive after the introductory interest rate expires and a high regular APR (20.24% - 29.99% Variable) takes effect. There’s a balance transfer fee, too. Both features are pretty standard, though, and they shouldn’t stop you from applying.

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.

Why We Like It: The Chase Sapphire Preferred® Card is the best Visa credit card for travel because it offers a boatload of rewards value, starting with an initial bonus of 60,000 points (for spending $4,000 in the first 3 months), worth $750 in travel booked through Chase Travel. In addition, you get 1 - 5 points per $1 spent on purchases, which will be especially helpful if you spend a lot on travel, dining, online grocery orders, and streaming services.

What We Don’t Like: Chase Sapphire Preferred has an annual fee of $95. Earning the initial bonus covers the cost early on, however, and the ongoing rewards will make it easy to get your money’s worth after that.

Who Should Get It: Consider applying for this card if you have good credit, the ongoing rewards and perks match up well with your spending habits, and you can easily qualify for the initial bonus.

Why We Like It: The Wells Fargo Reflect® Card is the best 0% Visa credit card, and the best 0% card overall, because it gives you 21 months from account opening to pay off big purchases and qualifying balance transfers without interest charges accruing. You don’t even need to pay an annual fee to benefit from this elite financing promotion.

What We Don’t Like: The regular APR is high, at 18.24% - 29.99% Variable. Fortunately, you can avoid the repercussions by paying your bill in full by the due date every month the regular rate is in effect. The transfer fee is expensive, too, but transferring a balance to this card could still save you a lot of money thanks to the introductory APR.

Who Should Get It: Apply for the Wells Fargo Reflect® Card if you have good credit or better and need to avoid interest for months. You can try our credit card payoff calculator to see how much you might save.

Why We Like It: The Wells Fargo Reflect® Card is the best 0% Visa credit card, and the best 0% card overall, because it gives you an intro APR of 21 months from account opening to pay off big purchases and qualifying balance transfers without interest charges accruing. You don’t even need to pay an annual fee to benefit from this elite financing promotion.

What We Don’t Like: The regular APR is high, at 18.24% - 29.99% Variable. Fortunately, you can avoid the repercussions by paying your bill in full by the due date every month the regular rate is in effect. The transfer fee is expensive, too, but transferring a balance to this card could still save you a lot of money thanks to the introductory APR.

Who Should Get It: Apply for the Wells Fargo Reflect® Card if you have good credit or better and need to avoid interest for months. You can try our credit card payoff calculator to see how much you might save.

Why We Like It: The U.S. Bank Visa® Platinum Card is the best Visa balance transfer credit card because it offers one of the longest 0% introductory periods on the market at a low cost. You can get an intro APR of 0% for 18 billing cycles on balance transfers (and 0% for 18 billing cycles on purchases), and you won’t have to pay an annual fee.  

What We Don’t Like: The regular APR is 18.74% - 29.74% (V), depending on your creditworthiness when you apply, and the balance transfer fee is 3% intro fee ($5 min) for each transfer in first 60 days, after that 5% ($5 min) for each transfer*. Both features could be better, but no card with a similarly long 0% period currently outpaces U.S. Bank Platinum in these categories.

Who Should Get It: Consider applying for the U.S. Bank Visa® Platinum Card if you have good credit and the card’s transfer terms will save you money. You can crunch the numbers using our balance transfer calculator.

Why We Like It: The OpenSky® Plus Secured Visa® Credit Card is one of the best Visa credit cards for people with bad credit because it won’t check your credit history when you apply, which means your approval odds are very high even if you made mistakes in the past. The OpenSky® Plus Secured Visa® Credit Card also has a $0 annual fee and reports account information to the major credit bureaus each month, giving you the opportunity to improve your credit inexpensively.

What We Don’t Like: Your credit limit will equal the amount of your refundable security
deposit.

Who Should Get It: If you have damaged credit and are concerned about getting approved for a
credit card, you should consider the OpenSky® Plus Secured Visa® Credit Card.

Why We Like It: The U.S. Bank Cash+® Visa® Secured Card is the best Visa credit card for bad credit because it gives you great rewards and does not charge an annual fee. You get 5% cash back on two categories of your choice (up to $2,000 each quarter), 5% back on prepaid air, hotel and car reservations booked in the Rewards Travel Center, 2% back on your choice of one everyday category (like gas stations, EV charging stations, grocery stores or restaurants) and 1% back on all other purchases.
 
What We Don’t Like: This card requires a refundable security deposit of at least $300. The amount you put down will be your spending limit.
 
Who Should Get It: Consider applying for the U.S. Bank Cash+® Visa® Secured Card if you have bad credit and its rewards match up well with your spending habits.
 

Why We Like It: The Chase Freedom Rise℠ is the best Visa credit card for no credit because you can get it despite limited-to-no credit experience, you won’t have to pay an annual fee, and you will earn valuable rewards with every purchase. The 1.5% cash back that you earn on all purchases with the Chase Freedom Rise℠ is about 50% more than the average cash back card currently provides.
 
What We Don’t Like: As with any credit card for beginners, carrying a balance from month to month will be quite expensive due to the card’s high APR. But you can avoid the added cost by paying your bill in full by the due date each month.
 
Who Should Get It: Consider applying for Chase Freedom Rise℠ if you have limited credit history and you want to earn rewards on purchases while building a solid credit score.

Why We Like It: The Petal® 2 Visa® Credit Card is one of the best Visa credit cards for beginners because it 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.
 
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 an extra incentive to pay the bill on time each month.

Why We Like It: The First Federal Community Bank College Rewards Visa® Credit Card is the best Visa student credit card because you can get it with limited or no credit experience and then enjoy a $0 annual fee, solid rewards and an introductory financing promotion. It’s not common for student credit cards to offer all three of those things.

In terms of rewards, you can get 2,500 points after your first purchase, plus 1.5 points per $1 spent on all purchases. When it comes to financing, you get 0% for 6 months on new purchases as well as balance transfers.

What We Don’t Like: This card has a fairly high regular APR, so plan to pay your monthly bills in full after the promotional financing period ends.

Who Should Get It: Consider applying for the First Federal Community Bank College Rewards Visa® Credit Card if you’re a student with limited credit who wants to earn rewards on purchases while saving money on interest initially.  

Why We Like It: The Ink Business Premier® Credit Card is the best Visa business credit card because it has a massive initial bonus and is at least twice as rewarding as the average credit card on normal purchases.

For starters, you can get $1,000 for spending $10,000 in the first 3 months. In addition, you will earn 5% cash back on travel through Chase, 2.5% back on every purchase totaling at least $5,000, as well as 2% back on all other purchases.

What We Don’t Like: There is an annual fee of $195, but the card’s rewards will more than cover the cost if you use it regularly and avoid interest charges.

Who Should Get It: Ink Business Premier is best for business owners with at least good personal credit who plan to make big purchases.