Best Visa Credit Card

9 Best Visa Credit Cards: Travel, Cashback, Airline

Visa—you’ve heard this name so many times and you probably have a Visa card in your wallet, be it a debit card or credit card.

But is your current Visa card really doing much for you? Not all Visa credit cards are the same so we decided to show you the best Visa credit cards.

After some thorough research, we crowned the Chase Sapphire Preferred as the overall best Visa credit card for its sign-up bonus, manageable annual fee, and flexibility in redemption.

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Use the CardMatch Tool to find the best Visa credit card for you! The tool uses a soft credit check, so it won’t affect your credit score at all.

There is a lot of misinformation out there about credit cards. Some say you should stay away at all costs while others think maxing out cards is A-okay. Here at RAVE, we think that there is a right way and a wrong way to handle credit cards. If you use it wisely, a Visa credit card can reap some wonderful benefits while helping you build credit.

We want you to feel empowered when it comes to money and not squander any opportunities to build a healthy credit score. We want to help you travel the world for free and pad your bank account with some extra cash. Too many people don’t take advantage of the many benefits of having a credit card.

At RAVE, we pride ourselves on giving you the best recommendations, and our picks for the best Visa credit card are no different. After exploring and analyzing so many Visa cards, we found some of the best ones out there. Don’t waste any more time swiping your basic card that only rewards the bank—apply now for a Visa credit card that rewards you

The Visa Credit Cards We RAVE About

credit card guide
Best First Step
CardMatch Tool
Best In Category
Visa Credit Cards
Chase Sapphire Preferred
Best Overall
Chase Sapphire Preferred
Best for Premium Travel Benefits
Chase Sapphire Reserve
Capital One Spark Miles for Business
Best for Business Travel
Capital One Spark Miles for Business

Try the Visa Credit Card Tool!

Use the Visa Credit Card Tool to find the best credit card for you!

Credit cards shouldn’t be scary. If the thought of using plastic makes you worried, you aren’t alone. You may have heard horror stories of people maxing out credit cards only to end up with thousands of dollars in high-interest debt spiraling into financial oblivion. That’s not going to be you though; you are taking the initiative to find a Visa credit card. We want to help you achieve a healthy understanding of credit and earn some rewards along the way.

Credit Card Networks vs Credit Card Issuers

Visa credit cards are one of the most common credit cards—but do you know that Visa is actually a credit card network and not a credit card issuer? Visa is a company that acts as an intermediary between merchants (the businesses where you swipe your card) and credit card issuers (usually banks) to process and verify your transactions.

Banks—like Chase, Citi, or Capital One—create the credit card and its many features, but then associate a credit card network with it. The bank provides the financial backing for your purchases, but the credit card network is the one actually processing the transaction. Credit card networks are an integral part to credit card transactions.

There are four major credit card networks:

  • Visa
  • Discover
  • Mastercard
  • American Express

Why Visa?

If you are the type of person to focus on details, you may have noticed that Visa cards are almost always accepted at stores, and some of the other networks aren’t. Visa is the most used credit card network thanks to its extensive history and one other key factor: fees.

Every time you use your card, the business you are paying gets charged a fee by the credit card network—usually around 1-2% of the total. Visa gets a lot of love from merchants because they generally charge a lower fee than other networks. By having a Visa card in your wallet, there is a very good chance your card will be accepted at every business you visit.

Types of Visa Cards

Credit card issuers—generally banks—decide on many of the features, benefits, and perks of credit cards. They determine the rewards structure, the interest rates, and the fees associated with each card. This doesn’t mean that the credit card network doesn’t offer any benefits though.

There are three different types of Visa credit cards, each one offering something different:

  • Visa Traditional: These cards are the most basic version of a Visa credit card. They offer the standard perks: fraud protection, auto rental collision waiver, and roadside assistance.
  • Visa Signature: These cards offer everything that Visa Traditional cards offer with some added benefits. You will get concierge service, travel and emergency assistance, extended warranty, and year-end summaries.
  • Visa Infinite: These cards have all of the benefits previously mentioned, but include some premium perks that can be worth quite a bit. Infinite cards have purchase protection and return protection for physical products you buy. They also have many travel protections like trip interruption and cancellation insurance, travel accident insurance, trip delay reimbursement, and lost luggage reimbursement.

When you apply for a Visa credit card and see that it is a Signature or Infinite card, double check all of the benefits—there can be some slight differences in the perks from card to card. To know under which tier your card falls, look for the Visa insignia on the card. It will say Visa, Visa Signature, or Visa Infinite.

Now that you know all about Visa credit cards, how they work, and why you should choose Visa over other credit card networks, let’s look at our picks for the best Visa credit cards.


So you want to open a Visa credit card but don’t know where to start. There are so many options on the market and so much information out there that it’s a bit of a daunting task to know which card is best for you.

Luckily, we have done our research and can confidently tell you the best Visa cards in many different categories. We looked at the perks, sign-up bonuses, and earnings of each card to decide which comes out on top. Here is the criteria were considered:

  • Annual fee: How much is the annual fee for this card? Is it comparable to similar cards?
  • Sign-up bonus: How many points and miles can you receive and what are they worth? What is the spending requirement?
  • Bonus earning categories: How many additional points or miles will you earn for different types of purchases?
  • Other benefits: What kind of perks are included with this card and are they worthwhile? Will you get much value from these added benefits?

Best Overall Visa Credit Card

Chase Sapphire Preferred

  • Annual Fee: $95
  • Sign-Up Bonus: 60,000 Ultimate Rewards points after $4,000 spent in the first three months from account opening
  • Bonus Earning Categories: Double Ultimate Rewards points on all travel and dining; single points on all other purchases
  • Other Benefits: Trip Cancellation or Interruption Insurance; Auto Rental Collision Damage Waiver; Baggage Delay Insurance; Trip Delay Reimbursement; point transfer to airline loyalty programs via Chase Ultimate Rewards; Purchase Protection; Extended Warranty Protection; No Foreign Transaction Fees
  • Pros: Large sign-up bonus; point transfer through Ultimate Rewards; many travel protections
  • Cons: Minimal bonus categories

The Chase Sapphire Preferred credit card is the best Visa credit card on the market. It maintains the perfect balance between a manageable annual fee and great rewards for all of your purchases. You will get a large sign-up bonus and wonderful perks for your next trip out of town.

The annual fee for this card is only $95 which makes it a mid-tier card, but the sign-up bonus is much larger than other mid-tier cards. You will receive 60,000 Ultimate Rewards points after spending $4,000 in the first three months from account opening. The Ultimate Rewards points are worth a minimum of 1.25 cents per point, so the sign-up bonus is worth at least $750.

By transferring points to airline partners (at a 1:1 ratio), every point can be worth much more though. With points worth up to 2 cents apiece with some of the airline partners, the sign-up bonus would be worth $1,200. You will earn two Ultimate Rewards points for travel and dining purchases, and one point on everything else. That makes for a minimum of 2.5% and 1.25% return, respectively.

Because this card is a travel card, it wouldn’t be complete without its many travel perks and benefits. You get trip delay reimbursement and baggage delay insurance, giving you peace of mind on your trips. The trip cancellation and interruption insurance can really come in handy if you encounter unforeseen circumstances during your vacation. Don’t forget that foreign transaction fees are also waived when you travel internationally.

You will really want to give this card a hard look and see if it is right for you. With a large sign-up bonus, a reasonable annual fee, and so many great features for travel, you will be hard-pressed to find anything better. All of this is why the Chase Sapphire Preferred is the best Visa credit card on the market.

Best Visa Credit Card for Flat Rate Cash Back

Chase Freedom Unlimited

  • Annual Fee: $0
  • Sign-Up Bonus: $150 cashback (or 15,000 Ultimate Rewards points) after $500 spent in the first three months from account opening
  • Bonus Earning Categories: 1.5% cashback (or 1.5 Ultimate Rewards points) on all purchases
  • Other Benefits: 0% Intro APR for 15 months; Extended Warranty Protection; Purchase Protection
  • Pros: No annual fee; great sign-up bonus; no limit on cashback
  • Cons: No increased bonus categories

The Chase Freedom Unlimited card is a good Visa card to have in your wallet thanks to its consistent flat-rate, cashback rewards and its lack of annual fee. The generous sign-up bonus for a no annual fee card makes it not just a great Visa card, but a great credit card in general.

The sign-up bonus on this card is a step above most other no-annual-fee credit cards. You will get $150 cashback after spending $500 in the first three months from account opening. That’s a 30% return for the sign-up bonus, much higher than most cards. It also has a pretty low spending requirement for a sign-up bonus as well, since most others require a few thousand dollars.

One of the great things about this card is that the points can be quite versatile if you also have one of Chase’s Sapphire products (Preferred or Reserve), or the Ink Preferred business card. In this case, the cashback earned on the Freedom Unlimited can be used as Ultimate Rewards points and are worth much more when transferred to partner airlines.

This card earns 1.5% cashback on every dollar spent, no matter what you’re buying. A flat-rate, cashback card like this one should be a staple in your wallet—it can earn bonus rewards for the miscellaneous items that won’t earn bonuses on other credit cards. By transferring these points to a Sapphire card, you will earn even more towards your next flight.

The rewards card also has extended warranty protection and purchase protection for everything you buy. It also has an extended 0% intro APR period of 15 months to help for any big purchase you need to finance for a while. The Chase Freedom Unlimited is definitely a great Visa credit card to always have in your wallet.

Best Visa Credit Card for Rotating Cash Back Categories

  • Annual Fee: $0
  • Sign-Up Bonus: $150 cashback (or 15,000 Ultimate Rewards points) after $500 spent in the first three months
  • Bonus Earning Categories: 5% cashback (or five Ultimate Rewards points) on up to $1,500 in combined purchases in rotating quarterly bonus categories; 1% cashback (or one Ultimate Reward point) on all other purchases
  • Other Benefits: 0% Intro APR for 15 months; Extended Warranty Protection; Purchase Protection
  • Pros: No annual fee; great sign-up bonus
  • Cons: Limit on bonus category cash back

The Chase Freedom card is a great complementary card to Chase’s other Visa credit cards, or by itself. It is a no-annual-fee card with a great sign-up bonus and great cashback rewards earning. You’re going to want to check out this card to see if it works for you.

The sign-up bonus on this card is the same as the Chase Freedom Unlimited: $150 cashback after spending $500 in the first three months of account opening. Despite not being a large amount compared to some other premium card sign-up bonuses, it has a small spending requirement for a decent return, making it an extremely generous bonus.

This rewards card features a unique bonus earning structure from many other cards. It has quarterly bonus categories in which you will earn 5% cashback (or five Ultimate Rewards points). You can earn 5% back on up to $1,500 spent each quarter in each category. The categories are things you already buy regularly: groceries, gas stations, department stores, among others. You can earn a lot of cashback if you max out the $1,500 each quarter. Then, you will earn 1% back on everything else.

Just like the Chase Freedom Unlimited, this card’s rewards can be transferred to any Chase Sapphire card or Ink Preferred business card. Then, you can transfer them to partner airline programs to maximize their value. If you are able to get 2 cents per point on a flight redemption, the bonus category effectively earns 10% back.

Purchase protection and extended warranty help ease any worries about your purchases suddenly dropping the price or breaking the day after you buy them. With 0% intro APR for 15 months, you can also pay off any large purchases without any interest accruing. The Chase Freedom card has a ton of potential, but really excels when it is paired with some of Chase’s other cards.

Best Visa Credit Card for Bonus Travel

Capital One Venture Rewards Credit Card

  • Annual Fee: $0 intro fee for the first year, $95 each year after
  • Sign-Up Bonus: 50,000 miles after $3,000 spent in the first three months from account opening
  • Bonus Earning Categories: Double miles on all purchases
  • Other Benefits: Global Entry or TSA Pre-check statement credit; no foreign transaction fees; transfer miles to 15 different frequent flyer loyalty programs; travel accident insurance; extended warranty protection; Auto Rental Collision Damage Waiver
  • Pros: Waived first-year annual fee; Global Entry/TSA pre-check credit; points transfer
  • Cons: No bonus earning category

The Capital One Venture Rewards credit card is the Visa card for you if you are chronically ailed with the travel bug. This card is a must-have for anybody that loves to travel regularly, as you get some lucrative rewards and great redemption flexibility.

This credit card falls into a very special category: cards with the annual fee waived the first year. It carries a $95 annual fee but it is waived for your first year of card membership. This card’s first year is especially lucrative for rewards, since you don’t have to pay anything to earn them. In the first year, you won’t pay a dime, but you will earn rewards on every dollar spent plus a sign-up bonus.

The sign-up bonus on this card is 50,000 miles after spending $3,000 on the card in the first three months. Depending on how you choose to use your miles, they can be worth up to about 1.2 cents per point. That makes the sign-up bonus worth about $600, but potentially more if you find some great redemptions.

You will be able to transfer points to one of many airline transfer partners, making for some great redemption options. Miles transfer at a 2:1.5 ratio, with a few exceptions. If you choose to use the points as statement credit to cover recent travel purchases—like hotels, airfare, or car rentals—they are worth 1 cent each.

This card doesn’t have any specific bonus earning categories, but you will earn two miles for every dollar spent. That’s up to a 2.4% return on every dollar, which is a lot higher than most cards. Every time you use this card, you will be that much closer to your next beach getaway.

Since this card is for travel fiends, you can’t forget about its other travel benefits. Cardmembers receive a statement credit when you pay the application fee for Global Entry or TSA Pre-check. You are protected with travel accident insurance and an auto rental collision damage waiver. The extended warranty on the card can also come in handy if your shiny new luggage ends up with defects down the road.

Best Visa Credit Card for Premium Travel Benefits

Chase Sapphire Reserve

  • Annual Fee: $450
  • Sign-Up Bonus: 50,000 Ultimate Rewards points after $4,000 spent in the first three months from account opening
  • Bonus Earning Categories: Triple points on travel and dining, and single points on everything else
  • Other Benefits: $300 Annual Travel Credit; 1.5 cents per points redemption on Chase Ultimate Rewards booking portal; point transfer to airline rewards programs via Chase Ultimate Rewards; no foreign transaction fees; Priority Pass Select membership; Global Entry or TSA Pre-check credit; trip cancellation and interruption insurance; auto rental collision damage waiver; lost luggage reimbursement; purchase protection; return protection; and extended warranty protection
  • Pros: Many travel protections; Priority Pass Lounge access; points transfer
  • Cons: High annual fee

The Chase Sapphire Reserve Visa credit card is the very best premium travel Visa card you can find. It is jam-packed with travel benefits and perks to make even the most seasoned travelers ecstatic. You will pay a hefty annual fee, but the value you receive is worth much more than that.

You may look at the $450 annual fee and think this card isn’t for you, but you should know everything this card has to offer before writing it off. First, you will earn 50,000 Ultimate Rewards points after spending $4,000 in the first three months from account opening. With Ultimate Rewards points worth at least 1.5 cents each, you will get a minimum of $750 value from those points.

This card earns three points for every dollar spent on travel and dining, and one point on everything else. Thanks to the points being transferrable (1:1 ratio) to one of many airline partners, the points can be worth much more. On some airlines, you can get two cents or more for each point. If you choose not to transfer points, you can redeem them for flights, hotels, and activities at 1.5 cents each through the Chase Ultimate Rewards booking portal.

One of the best perks of this card is the $300 annual travel credit. Each year you have the card, your first $300 spent on travel will be covered. Thanks to Chase’s generous travel category, this can be used for flights, hotels, car rentals, and tolls, among many other expenses. This credit effectively makes the large annual fee drop to only $150.

The many other travel benefits carry a ton of value as well. You will get a TSA Pre-check ($85) or Global Entry ($100) credit with the card and an ongoing Priority Pass Select membership. Both of these perks will make your travel so much easier each time you hit the skies.

And to top off all of these great features, cardholders receive many travel protections: lost luggage reimbursement, auto rental collision damage waiver, and trip cancellation and interruption insurance. Now you can rest assured that no matter what hiccups occur on your next trip, Chase has you covered. Definitely consider adding the Chase Sapphire Reserve to your financial arsenal.

Best Visa Credit Card for Small Business Travel

Capital One Spark Miles for Business

  • Annual Fee: $0 intro fee for the first year, $95 each year after
  • Sign-Up Bonus: 50,000 miles after $5,000 spent in the first three months plus an additional 150,000 miles after $50,000 spent in the first six months from account opening
  • Bonus Earning Categories: Double miles on every purchase; five times miles on hotel and rental car bookings through Capital One Travel
  • Other Benefits: Global Entry or TSA Pre-check statement credit; free employee cards; no foreign transaction fees; transfer miles to 15 different frequent flyer loyalty programs; Auto Rental Collision Damage or Theft Waiver; purchase security and extended protection
  • Pros: Waived first-year annual fee; large sign-up bonus; Global Entry/TSA Pre-check credit
  • Cons: Large spending requirement

If you are a small business owner and travel for either work or pleasure, you should carry the Capital One Spark Miles for Business Visa card. It offers tons of value and huge potential with the sign-up bonus while having an annual fee that’s waived the first year.

The sign-up bonus value on this card—$2,400—will blow away any other card out there. It has two tiers to it: 50,000 miles after spending $5,000 in the first three months and 150,000 more miles after spending $50,000 in the first six months from account opening. It is a very large sign-up bonus to receive all of the points, but many businesses can hit it with no problem. If you can’t hit the second tier, the first tier by itself is still worth $600.

The cards earn two miles on every purchase and five miles on hotels and rental car bookings through the Capital One Travel booking portal. If you or your employees regularly travel for work, the miles add up quickly. You can then use all of those points to cover future work travel or your own personal trips. Employee cards are free, so it won’t cost any extra to have them spend on the account.

To redeem your miles for rewards, you have a couple of options: You can use your miles to cover travel-related purchases like hotels, airfare, or rental cars. You will get 1 cent value for each point this way. You can maximize the value of each point if you transfer to one of Capital One’s many travel partners. You could get 1.2 cents per point this way, and sometimes even more.

This Visa card also has many travel-related perks, such as auto rental collision damage or theft waiver, and no foreign transaction fees. You will also get application fee credit to cover the Global Entry or TSA Pre-check.

If you own a business and can spend $50,000 in six months, the Capital One Spark Miles for Business is the best Visa card for you. Even if you can’t hit the full spending requirement, you can still get tons of value, thanks to the many airline transfer partners and travel perks.

Best Visa Credit Card for Building Credit

OpenSky Secured Visa Credit Card

  • Annual Fee: $35
  • Rewards Earning: None
  • Minimum Credit Required: None, or bad credit
  •  Other Benefits: No credit check for application; refundable deposit
  •  Pros: No credit check; refundable deposit
  • Cons: Annual fee; no rewards earning

If you are in the precarious situation of having no credit to your name—or worse, having bad credit—you might be looking for a secured Visa credit card. A secured credit card can help you start off on the right foot with credit or get you back on track. Look no further than the OpenSky Secured Visa credit card to help get you back in good standing with the banks.

If you have bad credit or no credit, your applications for traditional unsecured credit cards may be denied. That’s where a secured credit card can come in handy. With a secured credit card, you will need to put down a security deposit, which then becomes your line of credit. This gives the bank confidence in your willingness to pay back your monthly balance, and in turn, you can prove your creditworthiness and increase your credit score.

This credit card won’t earn you any rewards like the other cards on this list, but don’t worry about that just yet. Once you bump up your credit score, you will be approved for a rewards-earning card in no time. The best feature on this card is that you won’t have a credit inquiry on your credit report. This is especially helpful if you have poor credit or can’t risk having your score drop due to a credit pull.

This card requires a minimum $200 deposit and carries a $35 annual fee. Although many secured Visa cards don’t have annual fees, this one is worth it due to the lack of credit inquiry. If you want to get back on track financially and improve your credit score, the OpenSky Secured Visa credit card might be the card for you.

Best Airline Co-Branded Visa Credit Card

Southwest Priority Credit Card

  • Annual Fee: $149
  • Sign-Up Bonus: 40,000 Rapid Rewards points after spending $1,000 in the first three months from account opening
  • Bonus Earning Categories: Double Rapid Rewards points on Southwest purchases; single points on all other purchases
  • Other Benefits: Four annual upgraded boarding passes; $75 Southwest travel credit; 7,500 anniversary Rapid Rewards points; lost Luggage reimbursement; bag delay insurance; extended warranty protection; purchase protection; no foreign transaction fees
  • Pros: Large sign-up bonus; travel credit; anniversary points
  • Cons: Large annual fee; minimal bonus earning

The Southwest Priority Credit Card is definitely in the top tier of all credit cards, making its mark as the best airline co-branded Visa credit card. This card has a great sign-up bonus and so many perks that it should be high on your list, especially if you are a frequent Southwest flyer.

The annual fee on this card is not low, but it’s not too high either. The $149 annual fee is well worth it when you consider everything the card has to offer. The sign-up bonus will earn you 40,000 Rapid Rewards points after only spending $1,000 in the first three months from account opening.

Since Southwest Rapid Rewards points are worth about 1.5 each, the sign-up bonus is worth $600. Because you only need to spend $1,000 to earn the bonus points, that means there is a 60% return on that $1,000. That is absolutely mind-boggling; pretty much no other card on the market has a sign-up bonus with that kind of return.

The bonus categories aren’t anything to rave about, but you earn a solid two points per dollar spent on Southwest and one point per dollar spent on everything else. Because this card doesn’t have a wide variety of bonus categories, it is a great card to have along with other cards that can transfer points to Southwest (like the Chase Sapphire products, which are also Visa cards).

Each year you get a $75 Southwest credit, which covers about half of the annual fee, as well as four upgraded boarding passes for Southwest flights. With the upgraded boarding passes, you will be one of the first 15 people to board the flight. These can be worth up to $50 each for a $200 value. You also get 7,500 anniversary bonus points each year you retain the card. From all of these perks, you can see that you get way more value than the $149 annual fee.

One great benefit of Southwest credit cards is that the sign-up bonus and any points earned with the card count towards earning the Companion Pass. With the pass, every time you book a Southwest flight with points or cash, you can bring a companion for just the taxes and fees. This would effectively make both the sign-up bonus and monthly earnings worth double.

On top of everything else, cardholders get a few different travel protections, including lost luggage reimbursement and baggage delay insurance. All of your purchases are also covered by an extended warranty and purchase protection.

If you like Southwest even a little bit, the Southwest Priority credit card is the best co-branded airline Visa card for you.

Best Hotel Co-Branded Visa Credit Card

Marriott Bonvoy Boundless Credit Card

  • Annual Fee: $95
  • Sign-Up Bonus: 75,000 Marriott Bonvoy points after $3,000 spent in the first three months from account opening
  • Bonus Earning Categories: Six times Marriott Bonvoy points at Marriott properties; double Marriott Bonvoy points on all other purchases
  •  Other Benefits: Free night award after account anniversary each year (good for properties up to 35,000 points per night); Silver Elite status; 15 Elite night credits each year
  • Pros: Free night award; Elite status
  • Cons: Minimal bonus earning

When it comes to hotel co-branded Visa cards, it can be difficult to assess which card is best for you. If you are loyal to any specific chain, their cards might work best for you. But if you aren’t necessarily loyal to any chain, we think that the Marriott Bonvoy Boundless credit card is the best hotel co-branded Visa card.

This card carries a $95 annual fee, which is typical of many similar travel rewards cards. The sign-up bonus is quite lucrative, as you will earn 75,000 Marriott Bonvoy points after spending $3,000 in the first three months of having the card. That’s a very high number of points, but Marriott points aren’t worth quite as much as other types of points. With each point worth about 0.7 cents each, the sign-up bonus is worth $525.

The bonus earning on this card is geared towards those that regularly stay at Marriott properties. You will earn six points per dollar on expenses at Marriott properties, which is a 4.2% return. All other purchases earn two Marriott Bonvoy points per dollar, which is a respectable 1.6% return. You can transfer Marriott Bonvoy points to many airline rewards programs, but doing so often leads to less value per point.

This card automatically gives you Silver Elite status and 15 Elite night credits to help you get to higher tiers of Elite status every year. You will also get a free night certificate after each account anniversary that can be used at properties requiring up to 35,000 points per night. At 0.7 cents per point, the value of the certificate can be worth $245 or more, easily outweighing the annual fee.

If you have plans to stay at a Marriott property in the near future, this card is for you. Even if you don’t frequently stay at Marriott properties, everybody can get good use out of this Visa credit card.

How are Visa cards different from American Express, Mastercard, or Discover cards?

Like American Express, Mastercard, and Discover, Visa is a credit card network. They process payments made on their credit cards, and connect the credit card issuer (banks like Chase or Citi) to the merchant to verify your transaction. Visa is an intermediary between the merchant and the credit card issuer. Discover and American Express, however, are both the credit card issuer and network.

You may notice that not every store or business accepts all types of credit cards though. Visa is accepted much more often than American Express. The primary difference is how much each credit card issuer charges the business to accept their credit cards. Visa generally has lower fees than American Express, so merchants are less likely to accept American Express.

Are Visa credit cards accepted everywhere?

While Visa cards are one of the most widely accepted credit card networks, there is no guarantee that they will be accepted everywhere. If a merchant accepts credit cards as a form of payment, you can feel pretty confident Visa is accepted.

Some merchants only accept cash or debit cards, so you won’t be able to use your Visa card in those instances. In my own experience, I have never had an issue with a merchant accepting Visa. They have a very wide footprint, both in the U.S. and abroad.

What is the best Visa credit card?

The best Visa credit card is definitely the Chase Sapphire Preferred. This card offers a massive sign-up bonus worth at least $750. You will have flexibility in redeeming your Chase Ultimate Rewards points for cash or for your next vacation. You can transfer your points to one of Chase’s many airline rewards programs or book through the Chase travel booking portal.

You will earn two Ultimate Rewards points for every dollar spent on travel and dining. Everything else will earn you one Ultimate Rewards point. You will get a ton of travel protections like trip cancellation and interruption insurance, auto rental collision damage waiver, baggage delay insurance, and trip delay reimbursement. All of this for only a $95 annual fee is a steal.

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Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Patrick Beckman

Patrick Beckman is the Contributing Finance Editor for RAVE Reviews. Leveraging his educational training in engineering, Patrick has developed his own consumer finance strategies for household saving and credit card optimization. A centerpiece of his approach is his Travel-for-Free philosophy: Decide where you want to travel and what you want to do, and then reverse-engineer your credit card sign-ups and bonuses in order to travel to and stay in your destination of choice for free.