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NerdWallet’s 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® Card

Chase Sapphire Preferred Credit Card
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If you spend the bulk of your money on dining out and travel, the Chase Sapphire Preferred® Card 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. That's $625 in travel when you redeem through Chase Ultimate Rewards®. 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® Card 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 Credit Card
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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 this year’s bonus categories:

Q1 (Jan. 1 – March 31)Gas stations and local commuter transportation (not including parking, tolls or Amtrak)
Q2 (April 1 – June 30)Grocery stores and wholesale clubs
Q3 (July 1 – Sept. 30)Restaurants and wholesale clubs
Q4 (Oct. 1 – Dec. 31)Holiday shopping (specifics to be announced) and wholesale clubs

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.

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

Best for debt relief: Chase Slate®

Chase Slate Elite Credit Card
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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 waives the balance transfer fee for the first 60 days, 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

Chase Ink Plus with Ultimate Rewards Credit Card
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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® Card, 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, and it charges no foreign transaction fees. Consequently, it’s a good pick for whenever your business takes you abroad.


Image via iStock.