Best Visa Credit Cards - NerdWallet
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Best Visa Credit Cards

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Best Visa Credit Cards

If Visa is your payment network of choice, you have a lot of great credit card options. Which card is best for you depends on your spending habits, debt status and rewards preferences. Read on for more information about the best Visa cards on the market.

Best signup bonus: Chase Sapphire Preferred®

Chase Sapphire Preferred®

Apply Now on Chase's secure website

Pros

  • A large bonus
  • No foreign transaction fee
  • Cool factor - metal card
  • Rewards redemption bonus through Ultimate Rewards

Cons

  • Has annual fee
  • Best for savvy travelers

Bonus Offer

Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening

Annual Fee

Introductory Annual Fee of $0 the first year, then $95

Intro APR Promotions

None

APR

  • APR: 16.24%-23.24% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
  • Named a 'Best Credit Card' for Travel Rewards by MONEY Magazine
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • $0 foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance when used at a chip card reader
  • 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
  • Travel and shop with confidence with premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
  • Introductory Annual Fee of $0 the first year, then $95

If you spend the bulk of your money on dining out and travel, the Chase Sapphire Preferred® is the way to go. It offers 2X points back on travel and dining, and 1 point per dollar spent on everything else. But its major draw is the signup bonus: You’ll Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. And an additional 5,000 points for adding an authorized user and making a purchase in three months.

The signup bonus may seem pretty standard for competitive travel cards, but it can be worth more than the typical bonus when redeemed for travel. You’ll get a point value of 1.25 cents if you book travel through Chase Ultimate Rewards, making the signup and authorized user bonuses worth $562.50 combined. Or, if you pride yourself on your mad travel hacking skills, you may be able to get a higher value by transferring points to one of Chase’s partner programs.

The Chase Sapphire Preferred® has an Introductory Annual Fee of $0 the first year, then $95 and no foreign transaction fees.

Best for high cash rewards:  Chase Freedom®

Chase Freedom®

Apply Now on Chase's secure website

Pros

  • Bonus 5% cash back categories
  • No annual fee
  • 0% intro APR on purchases and balance transfers
  • Qualify with Good credit

Cons

  • If you value simplicity, a flat rate cash back card may be better

Bonus Offer

Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening

Annual Fee

$0

Intro APR Promotions

0% for 15 Months on purchases and 0% Intro APR for 15 months on balance transfers

APR

  • APR: 14.24-23.24% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
  • 0% Intro APR for 15 months on purchases and balance transfers. After the intro period, a variable APR of 14.24-23.24%
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories every 3 months like gas stations, restaurants, and select grocery stores
  • Unlimited 1% cash back on all other purchases - it's automatic
  • Cash Back rewards never expire as long as your account is open
  • No annual fee

If you spend according to the season, a 5% rewards card may net you higher cash back. The Chase Freedom® offers 5% back on rotating bonus categories, up to $1,500 spent per quarter. Here are the 2015 bonus categories:

  • Q1 (January 1 – March 31): Grocery stores, movie theaters and Starbucks stores
  • Q2 (April 1 – June 30): Restaurants, Bed Bath & Beyond, H&M and Overstock.com
  • Q3 (July 1 – September 30): Gas stations and Kohl’s
  • Q4 (October 1 – December 31): Amazon.com, Zappos.com, Audible.com and Diapers.com

For any spending above the $1,500 per quarter, or purchases outside the 5% categories, you’ll be rewarded at 1%. There’s also a cash signup bonus: Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. And if you add an authorized user and make a purchase within three months, you’ll get an additional $25.

The Chase Freedom® has an annual fee of $0 and a great introductory APR: 0% for 15 Months on purchases and 0% Intro APR for 15 months on balance transfers, and then the ongoing APR of 14.24-23.24% Variable.

Best flat-rate travel rewards: Capital One® Venture® Rewards Credit Card

Capital One® Venture® Rewards Credit Card

Apply Now on Capital One's secure website

Pros

  • High rewards rate
  • No foreign transaction fee
  • Flexible redemption for travel

Cons

  • Has annual fee

Bonus Offer

Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel

Annual Fee

$0 intro for first year; $59 after that

Intro APR Promotions

None

APR

  • APR: 13.24% - 23.24% (Variable)

Card Details

  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there’s no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Tracker - see your monthly credit score anytime and get automatic alerts

For high travel rewards on every purchase, the Capital One® Venture® Rewards Credit Card is a solid option. It offers 2X miles on every dollar spent, redeemable for travel statement credit. Get even more miles with the card’s killer signup bonus: Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.

The Capital One® Venture® Rewards Credit Card has an annual fee of $0 intro for first year; $59 after that, but no foreign transaction fees.

Best for debt relief: Chase Slate®

Chase Slate®

Apply Now on Chase's secure website

Pros

  • No annual fee
  • No balance transfer fee
  • 0% Intro APR for 15 months on purchases and balance transfers
  • Qualify with Good credit

Cons

  • No rewards

Bonus Offer

$0 Introductory balance transfer fee for transfers made during the first 60 days of account opening

Annual Fee

$0

Intro APR Promotions

0% Intro APR for 15 months on purchases and balance transfers

APR

  • APR: 13.24%-23.24% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Free Monthly FICO® Score and Credit Dashboard
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee

Rewards are great, but they don’t matter if you’re paying credit card interest. If you’re in debt and need a balance transfer offer for interest relief, the Chase Slate® is the card of your dreams. It has no balance transfer fees and you’ll enjoy a 0% Intro APR for 15 months on purchases and balance transfers, and then the ongoing APR of 13.24%-23.24% Variable. Plus, the annual fee is $0.

Best for businesses: Ink Plus® Business Credit Card

Ink Plus® Business Credit Card

Apply Now on Chase's secure website

Pros

  • No foreign transaction fee

Cons

  • Has annual fee

Bonus Offer

Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®

Annual Fee

$95 Annual Fee

Intro APR Promotions

None

APR

  • APR: 15.49% Variable
  • Cash Advance APR: 25.24%, Variable

Card Details

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 5X points per $1 on the first $50,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet and cable TV services each account anniversary year.
  • Earn 2X points per $1 on the first $50,000 spent in combined purchases at gas stations and hotel accommodations when purchased directly with the hotel each account anniversary year.
  • Earn 1 point per $1 on all other purchases-with no limit to the amount you can earn
  • No foreign transaction fees
  • Chip-enabled for enhanced security at home and abroad when used at a chip card reader
  • Employee cards at no additional cost
  • $95 Annual Fee

The Ink Plus® Business Credit Card tops our list for the best business cards in the industry. If offers rewards on all the purchases your business makes most:

  • 5X points per $1 spent on office supplies and cable/telecom services, up to $50,000 spent annually
  • 2X points per $1 spent on gas and hotels, also up to $50,000 spent annually
  • 1 point per $1 spent on everything else

Like the Chase Sapphire Preferred®, you can use your points to book travel through Ultimate Rewards at a rate of 1.25 cents per point, or transfer points to Chase’s partner programs. The Ink Plus® Business Credit Card also has a sweet signup bonus: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

The card has a $95 Annual Fee, and it charges no foreign transaction fees. Consequently, it’s a good pick for whenever your business takes you abroad.

Best for flat-rate cash rewards: Capital One® Quicksilver® Cash Rewards Credit Card

For high rewards on every purchase, check out the Capital One® Quicksilver® Cash Rewards Credit Card. It offers 1.5% cash back, redeemable for check or statement credit in any amount, at any time. Plus, there’s a cash signup bonus: One-time $100 bonus after you spend $500 on purchases within the first 3 months.

The Capital One® Quicksilver® Cash Rewards Credit Card has an annual fee of $0 and no foreign transaction fees. If you need some time to pay down your initial purchases, you’ll enjoy the APR of 0% intro on purchases until November 2016 and 0% intro on balance transfers until November 2016, and then the ongoing APR of 13.24% - 23.24% (Variable).

Image via iStock.