Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
Visa remains the world's largest credit card payments network, with over 4 billion cards in circulation worldwide, 80 million merchant locations, and $14 trillion of total volume processed in 2022. You'll find the Visa logo on many of the best credit cards from a diverse set of card issuers, ranging from basic debit cards to premium credit cards with luxury benefits.
Read on to see how all these benefits come together in the cards that make our list of the best Visa credit cards.
Compare Visa Credit Cards
Best Visa Credit Cards
Chase Sapphire Preferred® Card - Product Name Only : Best overallCapital One Venture X Rewards Credit Card - Product Name Only : Best for excellent creditBank of America® Customized Cash Rewards Secured Credit Card - Product Name Only : Best for poor or no creditWells Fargo Active Cash® Card - Product Name Only : Best for simple cash rewardsU.S. Bank Cash+® Visa Signature® Card - Product Name Only : Best for flexible bonus categoriesWyndham Rewards® Earner Business Card - Product Name Only : Best for road warriorsAmazon Prime Rewards Visa Signature Card - Product Name Only : Best for Amazon purchases
Methodology: How we chose the best Visa credit cards
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
We considered dozens of popular Visa credit cards, including rewards credit cards, cash-back credit cards, and credit cards for bad credit. Insider's experts evaluated the cards based on several factors, including:
- Ease of use — Does the card have a straightforward rewards program, and are rewards easy to earn and redeem? Are there any restrictions?
- Rewards earning potential — If the card offers a welcome bonus, is it competitive with similar cards and are the bonus categories for spending useful to the average consumer? Are there any spending limits?
- Annual fee — For cards that charge an annual fee, do the benefits and rewards make it worth the cost?
- Options for different types of customers — We chose Visa cards that appeal to different consumers, including travelers, small-business owners, and folks who are building their credit.
Here's a closer look at how we rate credit cards at Insider that explains our full methodology.
Visa Credit Card Frequently Asked Questions
What is the best Visa credit card?
There's no one best Visa credit card — the right card for you depends on your spending habits, the kinds of rewards you like to earn, what you hope to get out of the card, and other factors. Whichever Visa card you choose, you can be confident that it will be accepted just about anywhere that takes a credit card.
What is the highest level of Visa card?
Visa cards come in several flavors, but the type with the most benefits is Visa Infinite. Visa Infinite cards typically come with excellent travel and purchase protections, plus access to the Visa Infinite Concierge, among other perks.
Are Visa credit cards hard to get?
Visa credit cards aren't hard to get by default; it depends on the specific issuer and type of card. There are Visa credit cards ranging from secured credit cards that are geared to those building their credit, to ultra-premium credit cards that require excellent credit for approval.
How do I apply for a Visa credit card?
You can't apply for a card directly with Visa, since it's a payment network and not a bank. To open a Visa credit card, you'll have to apply with the issuing bank (like Chase or Bank of America) directly, either online, by phone, or in person at a branch.
Is Visa or Mastercard better?
Visa and Mastercard credit cards are fairly equal, and are accepted by most merchants that take credit cards. Their benefits and rewards are similar, as well, so for most people, there isn't much of a difference between having one or the other.
Best overall
The
Cardholders earn rewards at competitive rates, gain access to valuable redemption options via airline and hotel transfer partners, and get essential travel benefits and perks for a
The card comes with a welcome bonus offer of
As for benefits, the
Chase Sapphire Preferred Card Review
Best for excellent credit
The
This metal credit card comes with an introductory offer of
As a cardholder, you'll get an annual statement credit of up to $300 toward travel booked through Capital One. You also receive an annual bonus of 10,000 miles on your account anniversary; that's worth $100 when you redeem directly with Capital One, or potentially more when you transfer miles to airline and hotel partners.
Those two benefits more than offset the annual fee, but you'll get plenty more. The
Capital One Venture X Rewards Credit Card Review
Best for poor credit or no credit
BoA Customized Cash Rewards Secured Credit Card
Secured credit cards can help you establish a credit history or rebuild your credit, but they tend to offer little else in return. The
While this card does not offer a welcome bonus, you can earn 3% cash back on purchases in one category of your choice. Options include gas, online shopping, dining, travel, drug stores, and home improvement purchases, and you can change your selection once per calendar month. You'll also earn 2% cash back at grocery stores and wholesale clubs, and 1% cash back on all other purchases. The 3% and 2% bonuses are capped at a combined $2,500 of spending each quarter.
Cash back rewards can be redeemed in any amount as a statement credit to your credit card, or as a deposit to an eligible Bank of America or Merrill account. You can also redeem rewards by check in amounts of $25 or more.
Your account requires a security deposit of between $200 and $5,000, and the amount you deposit helps determine your credit limit. Card issuers typically hold these security deposits as collateral until the account is closed. However, Bank of America periodically reviews Customized Cash Secured accounts, and may refund your deposit based on factors like your credit history and banking relationship.
Bank of America Customized Cash Rewards Secured Credit Card Review
Best for simple cash rewards
If you want a reliable rewards structure with no caps, categories, or calendars to track, the
The card offers a
The card offers the basic suite of Visa Signature benefits like secondary car rental insurance and access to the Luxury Hotel Collection. When you use your card to pay your phone bill, you also get cell phone protection that covers up to $600 per claim in the event of damage or theft. There's a deductible of $25 per claim, and a maximum of two claims allowed in a 12-month period.
Wells Fargo Active Cash Card Review
Best for flexible bonus categories
Unlike most 5% cash back credit cards, the
You'll also earn uncapped 5% cash back on prepaid travel booked through the U.S. Bank travel portal, 2% on your choice of groceries, restaurants or gas stations and electric charging stations, and 1% on other purchases. While the list of 5% categories includes several uninspiring options, it also features highly useful (and uncommon) ones like home utilities, cell phone providers, and TV, internet, and streaming services.
The card comes with a welcome bonus of
Best for road warriors
Wyndham Rewards Earner Business Card
Wyndham Rewards has two personal credit cards also issued by Barclays, but the business credit card is the standout of the bunch. Don't be discouraged by the name; you may qualify for a small business credit card like this one even if you don't own a formal business.
The
The card comes with a welcome bonus of
Wyndham has a massive global footprint with nearly 9,000 properties worldwide and over 6,500 in North America, and you can take advantage of that ubiquity with the top-tier Diamond status granted by the card. If Wyndham properties don't fit in your plans, you can also get good (or sometimes great) value by transferring points to Caesars Rewards or redeeming for vacation rentals through Wyndham's partnership with Vacasa.
Wyndham Rewards Earner Business Card Review
Best for Amazon purchases
If you shop regularly at Amazon or Whole Foods, the recently refreshed
You also earn 10% back or more on a rotating selection of Amazon products, 2% back at restaurants, gas stations, and local transit and commuting (including rideshare), and 1% back elsewhere. The card comes with an introductory offer of a
Earnings and bonus aside, the