Best Visa Credit Cards of December 2025
Updated: Dec 2, 2025
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Visa credit cards are widely accepted both in the United States and outside the country. If you’re looking for a new one, options abound — which is good because there’s no such thing as a single “best” Visa card for everybody. To decide which card is best for you, consider your spending, debt and rewards preferences. Here are our top picks for credit cards on the Visa network.
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400+ credit cards reviewed by our team of experts (See our top picks)
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NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards.
Their work has appeared in The Associated Press, USA Today,
The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America"
and many other national, regional and local media outlets.
Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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Visa credit cards are widely accepted both in the United States and outside the country. If you’re looking for a new one, options abound — which is good because there’s no such thing as a single “best” Visa card for everybody. To decide which card is best for you, consider your spending, debt and rewards preferences. Here are our top picks for credit cards on the Visa network.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Visa credit cards are widely accepted both in the United States and outside the country. If you’re looking for a new one, options abound — which is good because there’s no such thing as a single “best” Visa card for everybody. To decide which card is best for you, consider your spending, debt and rewards preferences. Here are our top picks for credit cards on the Visa network.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Visa credit cards are widely accepted both in the United States and outside the country. If you’re looking for a new one, options abound — which is good because there’s no such thing as a single “best” Visa card for everybody. To decide which card is best for you, consider your spending, debt and rewards preferences. Here are our top picks for credit cards on the Visa network.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
Why trust NerdWallet
400+ credit cards reviewed by our team of experts (See our top picks)
80+ years of combined experience covering credit cards and personal finance
27,000+ hours spent researching and reviewing financial products in the last 12 months
Objective comprehensive ratings rubrics (Methodology)
NerdWallet's credit cards content, including ratings and recommendations, is overseen by a team of writers and editors who specialize in credit cards. Their work has appeared in The Associated Press, USA Today, The New York Times, MarketWatch, MSN, NBC's "Today," ABC's "Good Morning America" and many other national, regional and local media outlets. Each writer and editor follows NerdWallet's strict guidelines for editorial integrity.
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NerdWallet's Best Visa Credit Cards of December 2025
Wells Fargo Active Cash® Card: Best for Flat-rate cash back
Chase Freedom Unlimited®: Best for Bonus category cash back
Bank of America® Customized Cash Rewards credit card: Best for Customizable categories cash back
Chase Sapphire Preferred® Card: Best for Travel rewards
Wells Fargo Autograph® Card: Best for No-annual-fee bonus travel rewards
Wells Fargo Reflect® Card: Best for 0% interest period
U.S. Bank Visa® Platinum Card: Best for 0% interest period
Chase Sapphire Reserve®: Best for Premium features
Ink Business Preferred® Credit Card: Best for Small-business travel
PenFed Platinum Rewards Visa Signature® Card: Best for Gas
Best Visa Credit Cards
| Credit card | NerdWallet rating | Annual fee | Rewards rate | Intro offer | Learn more |
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ALSO SEE: Best credit cards of 2025 || Visa || Mastercard || American Express || Discover || Bank of America® || Capital One || Chase || Citi || US Bank || Wells Fargo
FULL LIST OF EDITORIAL PICKS: BEST VISA CREDIT CARDS
Before applying, confirm details on the issuer’s website.
Wells Fargo Active Cash® Card
Our pick for: Flat-rate cash back
Among flat-rate cash-back cards, you'll be hard-pressed to beat the Wells Fargo Active Cash® Card. It earns an unlimited 2% back on all purchases, which is excellent. But in addition, the card offers a rich sign-up bonus and a decent intro APR period on both purchases and balance transfers. That's an impressive, hard-to-find combination of features on a card with a $0 annual fee. Read our review.
Chase Freedom Unlimited®
Our pick for: Bonus category cash back
The Chase Freedom Unlimited® was already a fine card when it offered 1.5% cash back on all purchases. Now it's even better, with bonus rewards on travel booked through Chase, as well as at restaurants and drugstores. On top of all that, new cardholders get a 0% introductory APR period and the opportunity to earn a sweet bonus. Read our review.
Bank of America® Customized Cash Rewards credit card
Our pick for: Customizable categories cash back
The Bank of America® Customized Cash Rewards credit card gives you a little more control over your credit card rewards by letting you choose which category earns the highest cash-back rate, from a list that includes gas stations, restaurants, travel, home improvement and more. You also get bonus rewards at grocery stores and wholesale clubs, plus a great new-cardholder bonus offer. Read our review.
Chase Sapphire Preferred® Card
Our pick for: Travel rewards
For a reasonable annual fee, the Chase Sapphire Preferred® Card earns bonus rewards on travel, dining, select streaming services, and select online grocery purchases. Points are potentially worth more when you redeem them for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. The sign-up bonus is stellar, too. Read our review.
Wells Fargo Autograph® Card
Our pick for: No-annual-fee bonus travel rewards
The Wells Fargo Autograph® Card offers so much value, it's hard to believe there's no annual fee. Start with a great bonus offer, then earn extra rewards in a host of common spending categories — restaurants, gas stations, transit, travel, streaming and more. Read our review.
Wells Fargo Reflect® Card
Our pick for: 0% interest period
The Wells Fargo Reflect® Card has one of the longest intro APR periods on the market — approaching almost two years. You'll be hard-pressed to find a longer interest-free promotion, and it applies to both purchases and qualifying balance transfers. Read our review.
Chase Sapphire Reserve®
Our pick for: Premium features
The high annual fee on the Chase Sapphire Reserve® gives many potential applicants pause, but frequent travelers should be able to wring enough value out of this card to more than make up for the cost. Cardholders get bonus rewards on dining and travel, a fat bonus offer, annual credits, airport lounge access, and potentially a sizable boost in point value when redeeming points for travel booked through Chase. Points can also be transferred to about a dozen airline and hotel partners. Read our review.
Ink Business Preferred® Credit Card
Our pick for: Small-business travel
The Ink Business Preferred® Credit Card starts you off with one of the biggest sign-up bonuses of any credit card anywhere: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. You also get bonus rewards on travel expenses and common business spending categories, like advertising, shipping and internet, cable and phone service. Points are worth more when redeemed for travel booked through Chase, or you can transfer them to about a dozen airline and hotel partners. Learn more and apply.
PenFed Platinum Rewards Visa Signature® Card
Our pick for: Gas
For some, the PenFed Platinum Rewards Visa Signature® Card won’t be an easy card to apply for, and redeeming points might be a hassle. But if you need a sky-high return on your gas spending, it may be the card for you. Read our review.
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OTHER RESOURCES
What is a Visa credit card?
A Visa credit card is simply a credit card that operates on the Visa payment network. Understanding exactly what that means requires knowing a little about how the credit card system works.
Credit cards are typically issued by banks. Your card account is with the bank. It’s the bank that puts up the money for the things you buy with the card. And your payments go to the bank. Credit card issuers include huge banks like Chase, Citi and Wells Fargo, as well as smaller institutions and credit unions.
Every transaction involving a credit card is processed through a payment network. The network serves as an intermediary. It ensures that money for the purchase gets from the credit card issuer to the merchant, and that the purchase gets attributed to the correct credit card account. Visa is a payment network, as are Mastercard, Discover and American Express.
So Visa doesn’t issue any credit cards on its own. If your card says “Visa” on it, it didn’t come from Visa. Rather, the bank that issued the card is using Visa to handle card transactions.
A key difference between Visa and Mastercard on one side and Discover and American Express on the other is that Visa and Mastercard are only payment networks. Discover and AmEx, meanwhile, are both card issuers and payment networks.
Visa handles an enormous volume of transactions. According to Visa Inc, for the year ending Sept. 30, 2022:
There were 4.1 billion Visa cards in circulation worldwide.
The Visa network processed 192.5 billion transactions.
The network handled $11.6 trillion in payments.
More than 80 million merchants accept Visa, along with 20 million small businesses that can take Visa through third-party payment systems.
What kind of benefits does a Visa card give you?
The most important features of any Visa card aren’t determined by Visa at all, but rather by the card issuer. These include:
Fees (such as annual, late, cash advance or balance transfer).
Interest rates (such as introductory APR, ongoing APR, purchase APR and transfer APR).
Rewards (including rates paid on purchases, bonus categories, type of rewards and value of reward points).
Bonuses (such as sign-up or anniversary awards).
Visa does offer a benefits package separate from perks provided by the issuer. What’s included in that package depends on what “level” of Visa card you have — Traditional, Signature or Infinite — and what Visa-provided benefits the issuer has opted to include. Traditional benefits include things like zero fraud liability and emergency card replacement. Signature benefits add in things like extended warranty coverage and concierge service. At the Infinite level, cards offer travel coverage and purchase protections. Read more about the three levels of Visa benefits.
What’s the difference between Visa and Mastercard?
For the vast majority of people in the vast majority of cases, the difference between a Visa credit card and a Mastercard credit card is the logo on the front … and nothing else. Nearly every merchant that accepts Visa also accepts Mastercard. (One notable exception: Costco takes only Visa credit cards in its stores, although it accepts Mastercard debit cards in-store and all Mastercards online.)
As discussed, the most important features of your credit card are determined by the bank that issued it, not the payment network it runs on. Like Visa, Mastercard offers its own benefits package, but these are not things that come into play on a regular basis.
Visa and Mastercard are so interchangeable that some major cards have flipped from one network to the other. In 2020, for example, Capital One switched four cards: Three went from Visa to Mastercard, and one went from Mastercard to Visa. But that change affected only new cardholders; existing cardholders stayed with the network they were already on. So if you’re wondering whether the Capital One Quicksilver Cash Rewards Credit Card is a Visa or a Mastercard, the answer is … it could be either, depending on who's carrying it.
• • •
NerdWallet's Paul Soucy contributed to this article.
Last updated on December 2, 2025
Methodology
NerdWallet's credit cards team selects the best credit cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen as among the "best" in multiple categories. Learn how NerdWallet rates credit cards.
