0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. Balance transfers made within 120 days from account opening qualify for the introductory rate. The Capital One Lounge and Priority Pass Lounge access are great too, though the Capital One Lounge system is brand new.
A top choice for casual or moderate United fliers; the perks can easily outweigh the annual fee. If you’re prepared to spend on dining and hotels in addition to United purchases, you’ll earn 2 miles per dollar. We balanced the highest rewards-earning rates with the cost of annual fees and looked for the best interest rates on the market today.
Flexible payment options
Paying on time is one of the most important things you can do to build credit. The issuer also reports your account activity to the three major credit bureaus, which is important as you’re working on your credit. And if that’s not enough, you’ll earn a high minimum cash back rate of 1.5% on all other purchases. Let’s face it — there’s a lot of jargon and high-level talk in the credit card industry.
A suite of travel perks makes the card an even better value, with the United Club membership alone worth more than the annual fee. Earn a hefty 5X points on gas paid at the pump and electric vehicle charging stations, plus 3X points on purchases at supermarkets, restaurants and cable/streaming services. As a welcome bonus, cardmembers can earn 15,000 points after spending $1,500 within the first three months of account opening. The Platinum Rewards Visa Signature® Card also comes with an attractive APR of 14.49% to 17.99% variable.
- Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp.
- Earn 1.5 Relationship Rewards1 points per $1 in purchases2 with the Premium Visa® Signature Credit Card.
- We’ve compiled some important considerations to help you pick the best credit card for you.
- Larger households will find a lot of value in this card thanks to its high rewards rate on everyday spending categories and low APR.
Read our Credit One Bank Platinum X5 Visa review or jump back to this card’s offer details. Read our Southwest Rapid Rewards® Plus Credit Card review or jump back to this card’s offer details. Pay at least your minimum balance for the first seven months and this secured card will increase your credit limit by $200 without another deposit. Credit lines range from $200 to $3,000 depending on how much you’re comfortable putting down in security.
Credit basics
Learn more about how balance transfers work, the benefits of balance transfers, and more. Learn more about how to choose a credit card that’s a good fit for your needs. For more information on how credit card processing works, check out our guide.
If you regularly rack up your monthly balance, the 2.5% return on the Alliant card is hard to beat. The downsides are that excellent credit is recommended before you apply for the card and the lack of a welcome bonus. Earn unlimited 1.5 points per $1 spent on all purchases everywhere, every time and no expiration on points. So if you spent $1,000 on books, you’d get $15 worth of statement credits you can redeem for travel.
Cardholders must pay off balances entirely within a span of 12 to 60 months (at 14.99% to 29.99% APR). Plus, you’re rewarded with 1.5% cash back every time you make a payment on eligible purchases. Even those with limited or no credit have a path to take with Visa cards. Many excellent credit cards are offered by issuing banks partnered with the Visa payment network. Credit cards have many applications and our list includes a card for the most common ones, but the Visa network likely has a card for nearly every type of spender out there.
Cardholders receive 1% cash back on eligible purchases at gas stations and grocery stores, as well as services for mobile phones, cable and internet. The lucrative perks that attract people to credit cards come from the banks. Card issuers also set your credit card limit and interest rates and report your credit history to the credit bureaus. If your credit score isn’t there yet, improving your score with one of Visa’s credit-building options is a great route to future savings.
Choice Privileges® Mastercard® Credit Card
That meant we had to cut out some great cards offered by American Express, Discover and Mastercard. Accuracy, independence and authority remain as key principles of our editorial guidelines. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at
For information on approval odds, credit card benefits and the application process, read more about how to apply for credit cards. To apply for a Visa credit card, you can go directly to the desired credit card issuer on the Visa website or through the CardMatch tool. Learn more about how rewards credit cards and rewards points work, and how to find the right one for you. You can also find Visa credit card information on a number of trusted sites including Forbes Advisor. Before you apply for a credit card, it’s helpful to check your credit report and consider your credit needs and preferences.
Our experts have learned the ins and outs of credit card applications and policies so you don’t have to. With tools like CardMatch™ and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. Launched in 1958, Visa is a card payment network, which processes the transactions between merchants and financial institutions.
Earn cash back for everyday purchases with the Prestige Visa Credit Card
You can always increase your credit line later by increasing your security deposit, up to the $3,000 maximum. This card allows those with limited or fair credit to build their score while also earning valuable rewards on routine spending. This card allows Southwest flyers to rack up rewards, though very frequent Southwest travelers may find more value with the Southwest Rapid Rewards® Premier Credit Card. It charges a $99 annual fee but its anniversary bonus is 6,000 points, or double that of the Southwest Rapid Rewards® Plus Credit Card. Earn 90,000 bonus points when you spend $3,000 in purchases in the first 3 months10 – enough to redeem for up to 11 reward nights at select Choice Hotels® properties. Earn 60,000 bonus points when you spend $1,000 in purchases in the first 3 months7 – enough to redeem for up to 7 reward nights at select Choice Hotels® properties.
Enjoy access to premium rewards, valuable benefits, and special experiences with the ease and security of your Visa Signature card. You’re headed to Biltrewards.com now, and although Wells Fargo has a relationship with Bilt, we do not operate their site and their security and privacy policy may be different. The benefits you receive depend on whether your card is a traditional Visa, Visa Signature® or Visa Infinite®. See why we think this is such a great travel card in our review of the Capital One Venture Rewards Credit Card. These miles are worth 1.73 cents each, according to Credit Karma’s point valuations. You’ll also be eligible for a credit of up to $100 for Global Entry or TSA PreCheck every four years.
Spending that much might sound like a lot of money, but factor in your necessary purchases (like books) to see if this sign-up bonus is attainable. Unfortunately, you’ll have to be a Costco member to enjoy the fruits of your labor — cash back can only be redeemed at Costco stores with an annual reward certificate. But if you’re a Costco member, there’s no annual fee for the card. Initially, you can earn 20,000 bonus points (worth $200) after spending $1,000 on purchases during the first 90 days your account is open. You’ll also earn 5% cash back on travel purchases made through the Chase Ultimate Rewards® portal, plus 5% back on grocery store purchases on up to $12,000 spent during your first year.
If you have a tendency to carry a balance, this is a smart option. Credit lines range from $200 to $3,000, so there’s less risk of getting dinged for using too much of your credit line provided you spend far less than you put down. Visa credit cards come with a variety of benefits and protections for everyone. Control how your Regions credit cards are used by blocking certain types of transactions with Regions LockIt. You can check your Visa credit card balance online via your credit card account or by phone by calling the number on the back of your card.
Take a look at our review of the Petal® 2 Visa® Credit Card to learn more about this refreshing approach to helping people build credit. By following a few simple steps, you can help ensure you’re headed in the right direction when it comes to managing your credit card debt. Visa Infinite sets a new standard for personalized service while providing access to unique benefits and premium travel and purchase protections.
Other factors, such as our own proprietary website rules and the likelihood of applicants’ credit approval also impact how and where products appear on this site. EDITORIAL DISCLOSURE All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service.
Use our comparison tool to make your selection and apply online today. Rewards earned with a card on the Visa network are usually redeemed through the card’s issuing bank or financial institution and its respective reward program. The reward program may be operated, branded or supported by Visa, but details about your specific points and how to earn and redeem them will vary by card.
A dedicated team of CreditCards.com editors oversees the automated content production process — from ideation to publication. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Banking products are provided by Bank of America, N.A., and affiliated banks, Members FDIC and wholly owned subsidiaries of BofA Corp. Whether you’re using tap to pay, swipe or dip, Visa provides you a variety of ways to pay using your card or mobile device.
Read our Credit One Bank® Platinum Rewards Visa® with No Annual Fee or jump back to this card’s offer details. Larger households will find a lot of value in this card thanks to its high rewards rate on everyday spending categories and low APR. If you’re looking to improve your credit, check out some of our helpful tips. Enjoy an easy and secure way to pay everyday with your Visa Traditional credit card.
