Best VISA® Credit Cards

Just like MasterCard®, VISA® is also a payment processor that has tied up with many global financial brands to offer a wide range of credit cards. It is virtually impossible to list all those cards in a single article. It is because of this; we are providing a list of best VISA® credit cards that you can grab. Please understand that what we list as best in this article may not be the ones that cater to your needs. If your needs are different, consider looking for a different card that suits your requirements.

Let us begin.

Best VISA® Credit Cards

1. Chase Sapphire Preferred® Card

Best VISA® Credit Cards

When it comes to best VISA® credit cards, the Chase Sapphire Preferred® Card shines brightly in the rewards category of credit cards. Of course, the card has some of the most exceptional sign-up bonuses to offer. Let us take a quick look at the features and benefits of the card.

Regular Annual Percentage Rate (variable) 17.99% to 24.99% depending on your creditworthiness.
Introductory APR for purchases None
Introductory APR for balance transfers None
APR for cash advances (variable) 26.99%
Foreign transaction fee $0
Annual fee $0 for the first year and $95 after that.
Credit required Good or Excellent.

The card offers a host of amazing benefits that you cannot ignore. The benefits that you get once you open an account are:

  • $0 fraud liability protection. It means that if an unauthorized transaction takes place from your account, you will not be liable for the same.
  • You will get 50,000 bonus points if you spend $4,000 within the first 90 days from the date of account opening. The points will account for $625 on travel expenses or $625 on hotel expenses if you redeem the points through Chase Ultimate Rewards.
  • The card is a metal card, and it will not undergo wear and tear easily.
  • When it comes to travel expenses, you will earn 2X points for hotels, airfare, trains, or taxis.
  • You will also get 2X points for dining anywhere in the world.
  • You will get a 1X point for any other expenses for every single dollar that you spend.

2. Bank of America® Travel Rewards Credit Card

Best VISA® Credit Cards

The Bank of America® Travel Rewards credit card is one of the best VISA® credit cards if you are a frequent traveler. The card has some excellent extra incentives that you cannot ignore. Let us take a look at the features and benefits that this VISA® credit card has to offer.

Regular Annual Percentage Rate (variable) 16.99% to 24.99% depending on your creditworthiness.
Introductory APR for purchases 0% for 12 months or 12 billing cycles.
Introductory APR for balance transfers None
APR for cash advances (variable) 29.99%
Foreign transaction fee $0
Annual fee $0
Credit required Good or Excellent.

The benefits that you can enjoy when you go for the Bank of America® Travel Rewards credit card include the following:

  • If you spend $1,000 within the first 90 days of opening the account, you will receive 25,000 points as a bonus. These bonus points can translate into $250 statement credit for your travel expenses.
  • You can redeem the points by paying for hotels (any hotel where you can pay with points) or by flying with any airline that accepts the bonus points.
  • If you make purchases with the card, you will get 1.5 points for every purchase you make.
  • You will receive 3 points for spending every single dollar if you use Bank of America® Travel Center for booking your travels.
  • If you have accounts with Merrill Lynch®, Merrill Edge®, or Bank of America®, and you have Preferred Rewards Program enrollment, you can get 25% bonus, or 50% bonus, or 75% bonus depending on the composite balance of all those accounts.
  • If you have a savings or checking account with Bank of America®, you will be eligible for 10% bonus points.

3. Chase Freedom®

Best VISA® Credit Cards

Another VISA credit card from Chase is the Chase Freedom®. The card is a perfect companion for those people who want to get cash rewards. The important features and the amazing benefits that this credit card has to offer are:

Regular Annual Percentage Rate (variable) 16.99% to 25.74% depending on your creditworthiness.
Introductory APR for purchases 0% for 15 months or 15 billing cycles.
Introductory APR for balance transfers 0% for 15 months or 15 billing cycles. Balance transfer has a fee of 5% of transfer amount or $5, whichever is greater.
APR for cash advances (variable) 26.99%
Foreign transaction fee 3%
Annual fee $0
Credit required Good or Excellent.

The amazing benefits that you can enjoy with your Chase Freedom® credit card include:

  • If you spend $500 within the first 90 days from the date of opening an account, you will get a $150 bonus.
  • Chase offers 5% bonus categories for every quarter. You can activate the categories you want in each quarter, and when you spend a combined amount of $1,500 in each quarter, you will get a 5% bonus. The different categories that fall under 5% bonus offerings include:
    • Q1 – 2018:
      • Gas stations
      • Purchases made using Android Pay, Apple Pay, Samsung Pay, Chase Pay
      • Phone services, cable, and internet.
    • Q2 – 2018:
      • Chase Pay for in-app, mobile, or online purchases.
      • PayPal for in-app, mobile, or online purchases.
      • Grocery stores.
    • Q3 – 2018:
      • Walgreens
      • Lyft
      • Gas stations
    • Q4 – 2018:
      • Department stores
      • Wholesale clubs
      • Chase Pay
    • You will get 1% cash back on all other purchases you make using the Chase Freedom® credit card.
    • The cash backs that you earn will never expire. They will expire only if you close your credit card account.

Chase Freedom® is not a great credit card for globe-totters. The 3% charge on all international expenses can be quite high. Many other VISA credit cards offer zero charges on worldwide spending. So, if you like to travel abroad, consider getting a different credit card.

Conclusion

As we said at the beginning, this article on ‘best VISA® credit cards’ is nowhere close to being complete. There are several other VISA® credit cards that you can find. All of them come with some benefit or the other. Feel free to search more before you narrow down on a particular credit card.

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