Best Visa Credit Cards in 2024
Finding the best credit card for your specific needs can be challenging. There are so many different options to choose from, and a large percentage have the word “Visa” stamped on them. Visa credit cards come in a wide variety, each differing in reward programs, interest rates, welcome bonuses, and fees.
If you understand what is a Visa card and you are interested in choosing a suitable option, keep reading to learn about the factors to consider and the best Visa credit cards in detail.
Top Visa Credit Cards: Key Features to Consider
When you are looking through different Visa credit card offers, there are some basic features to pay attention to.
Reward Programs
Before getting a credit card and opening an account, you should carefully examine the rewards offered. Here are the most common categories of reward programs.
Cashback Rewards
A large number of credit cards offer cashback. In some cases, you get a certain return on your purchases directly to your account. In other cases, you receive points that can be redeemed later.
Some of the Visa credit cards with cashback include Wells Fargo Active Cash, Chase Sapphire Reserve, and Southwest Rapid Rewards Plus.
Travel Points
Another reward program you can stumble upon is travel points. In this case, you earn travel rewards in the form of points and miles. Once you accumulate your rewards, you can redeem them for travel-related purposes—purchasing tickets, booking hotels, etc.
Capital One Venture X Rewards, Credit One Bank Wander, and Chase Sapphire Preferred are examples that allow you to earn travel points.
Special Offers and Discounts
If you plan to actively use your card for shopping, you will benefit from an option that offers discounts and exclusive offers.
For example, the Prime Visa credit card offers various benefits for Amazon shopping, such as a $100 Amazon gift card as a welcome bonus.
Interest Rates and Fees
Other important things to consider when choosing a card are fees and interest rates.
Annual Percentage Rate (APR)
A lot of popular options come with a 0% intro APR, so it’s something to look for, especially if you plan large purchases. When you get a card with this feature, you won’t be charged interest on balance transfers or purchases for a specified period. Examples include Bank of America Customized Cash Rewards and US Bank Visa Platinum.
Annual Fees
If you are interested in the most cost-efficient credit card, look for those with no annual fees or low ones. Some of the cards that you can get without paying an annual fee include Prime Visa, Wells Fargo Reflect, US Bank Visa Platinum, and Chase Freedom Rise.
Foreign Transaction Fees
Another crucial factor is the presence of foreign transaction fees. These fees are charged when you use your credit card outside of the United States or make a purchase in a foreign currency. If you travel or shop online abroad, you should find a card that doesn’t charge this fee.
The credit cards without this fee include Bank of America Travel Rewards, Chase Sapphire Preferred, and Wells Fargo Autograph.
You can choose the best method for Visa gift card balance check via our article.
What Is The Best Visa Card In 2024?
What is the best Visa credit card among all types of Visa cards? It all depends on your specific needs, but here are the ones we consider worth attention in three main categories.
The Ultimate Travel Companion: Chase Sapphire Preferred Card
- Annual fee—$95;
- Welcome bonus—60,000 points for spending $4,000 in the first 3 months.
The Chase Sapphire Preferred Card is a great option to consider for travel benefits. By using it, you earn 5 points per dollar when you spend money on your travel via Chase Travel. On select grocery purchases, streaming services, and dining, you get 3 points per dollar. And, you receive 2 points per dollar spent on travel purchases not a part of Chase Travel and 1 point—on anything else.
Points can be redeemed to the bank account but are more valuable when you redeem them via Chase Travel.
The Cashback King: Alliant Cashback Card
- Annual fee—$0;
- No welcome bonus.
If you want an option without an annual fee yet with high cashback opportunities, the Alliant Cashback Card may be right for you. This Visa credit card rewards you with $2.5% cashback on qualifying purchases up to your first $10,000 in spending. Once you go over the limit, you get a 1.5% cashback. Also, the good news is that cashback is not restricted to select bonus categories, which can be challenging to follow. You can shop like you regularly would and earn rewards in the process.
The Low-Interest Leader: US Bank Visa Platinum Card
- Annual fee—$0;
- No welcome bonus.
Those looking for the top card in the low-interest category should pay attention to the US Bank Visa Platinum. It provides the most impressive 0% APR period among Visa cards—18 billing cycles on both purchases and balance transfers. Thanks to this feature, it is particularly suitable for expensive purchases. After this period ends, you get a variable 18.74–29.74% APR.
The drawback is that the card doesn’t come with a welcome bonus or reward program, but it makes up for it with its absence of an annual fee and an extensive 0% APR period.
Did you know that the CVV/CVC terminology used on different bank cards allows you to distinguish between Visa and Mastercard cards?
Final Thought
There are plenty of good Visa credit cards in 2024, so finding the right one shouldn’t be an issue. Depending on your needs, you can go for a card with specific rewards or features.
Some cards are more restrictive in how you earn or redeem your rewards, while others give cashback regardless of what purchases you make. The latter applies to the popular Alliant Cashback Card. If you want to benefit from 0$ intro APR, you should consider the US Bank Visa Platinum Card. Those who travel often and want to get the best benefits should look into the Chase Sapphire Preferred Card.
Before settling, you should consider any fees and take a close look at the conditions of the reward program so you know what to expect when using it.
