You've probably seen the Visa logo on hundreds of the best credit cards worldwide.
Visa, the world's largest credit card payment network, processed $15.7 trillion in total volume in 2024, and it's not slowing down anytime soon.
Business Insider's personal finance experts combed through hundreds of the best Visa credit cards available right now to bring you our top recommendations. We compared annual fees, card benefits, earning rates, and other considerations to find the very best options for every type of credit card user.
Best Visa Credit Cards of 2025
| What It's For | Card | Annual Fee |
| Best for flat-rate cash rewards | Wells Fargo Active Cash® Card | $0 (rates and fees) |
| Best for no annual fee | Chase Freedom Unlimited® (rates and fees) | $0 |
| Best for easy redemptions | Capital One VentureOne Rewards Credit Card | $0 |
| Best for reward maximizers | U.S. Bank Cash+® Visa Signature® Card | $0 |
| Best for families | Chase Sapphire Preferred® Card (rates and fees) | $95 |
| Best for frequent travelers | Capital One Venture X Rewards Credit Card | $395 |
| Best for Amazon and Whole Foods | Prime Visa | $0 |
| Best for Costco fans | Costco Anywhere Visa® Card by Citi | $0 |
| Best for bad credit | Bank of America® Customized Cash Rewards Secured Credit Card | $0 |
Best Visa Credit Card for Flat-Rate Cash Rewards
$0
0% intro APR on purchases and qualifying balance transfers for 12 months from account opening
19.24%, 24.24%, or 29.24% variable
Earn $200 cash rewards bonus
Good to Excellent
Pros
Cons
The Wells Fargo Active Cash® Card is definitely worth considering if you want to earn a strong rate of cash rewards on purchases without rotating categories or earning caps and with no annual fee. It's got a solid welcome bonus and intro APR offer, which puts it high on our list of best credit cards with an introductory zero-interest offer.
Wells Fargo Active Cash Card- Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
- Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
- Earn unlimited 2% cash rewards on purchases.
- 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
- $0 annual fee.
- No categories to track or remember and cash rewards don't expire as long as your account remains open.
- Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
- Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
The Wells Fargo Active Cash® Card is one of the best credit cards for flat-rate cash rewards. It's perfect for people who want a "set it and forget it" payment method, since cardholders earn an unlimited 2% cash rewards on purchases everywhere.
You can redeem your rewards as statement credits. If you also have a Wells Fargo Autograph® Card or Wells Fargo Autograph Journey℠ Card card, you can also use your rewards for airfare or hotel stays through Wells Fargo Autograph transfer partners.
Cardholders can also redeem rewards for credits toward Wells Fargo mortgages, Wells Fargo loans, and other credit product accounts.
New cardholders can earn a $200 cash rewards bonus after spending $500 in purchases in the first three months from account opening, and take advantage of 0% intro APR on purchases and qualifying balance transfers for 12 months from account opening (then a 19.24%, 24.24%, or 29.24% variable APR).
This credit card doesn't have an annual fee but does charge foreign transaction fees, so choose a different card for international travel.
Best Visa Credit Card for No Annual Fee
$0
0% intro APR on purchases and balance transfers for the first 15 months
18.99% - 28.49% Variable
Earn a $200 bonus
Good to Excellent
Pros
Cons
The Chase Freedom Unlimited® is a great choice for credit card beginners and experts alike. With no annual fee and a high earnings rate, it's worth considering as an everyday card — and it's even better when you pair it with an annual-fee Chase card like the Chase Sapphire Reserve®.
Chase Freedom Unlimited- Intro Offer: Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% - 28.49%.
- No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
- Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
- Member FDIC
The Chase Freedom Unlimited® is an easy credit card for most people to justify because it earns at least 1.5% cash back on every purchase with no annual fee.
Cardholders earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
Pro tip: If you prefer earning higher rewards for a little more work, the extremely similar Chase Freedom Flex earns 5% cash back on select Chase quarterly bonus categories that change every quarter when activated, up to a quarterly maximum. We compared the Chase Freedom Flex vs. Chase Freedom Unlimited so you can decide which card is best for you: a little more work for higher rewards vs. an easy flat-rate cash back.
Best Visa Credit Card for Easy Award Redemptions
Capital One rewards are incredibly simple to use, an attribute that's consistent across all of the best Capital One credit cards. And since the Capital One VentureOne Rewards Credit Card doesn't have an annual fee, it's an easy choice for people who want to earn and redeem credit card rewards as simply as possible.
Cardholders can use their rewards to "erase" certain eligible travel expenses from their credit card statements, or transfer miles to Capital One airline and hotel partners — a benefit typically reserved for credit cards with annual fees. You'll also get complimentary car rental insurance, travel accident insurance, and purchase assurance benefits with this card.
The VentureOne Rewards Card also comes with a zero-interest credit card offer for new cardholders: 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.24% - 29.24% Variable APR.
Best Visa Credit Card for Reward Maximizers
The U.S. Bank Cash+® Visa Signature® Card lets you choose your own 5% bonus categories, making it a great fit for people who value maximum rewards for each dollar they spend.
Each quarter, cardholders earn 5% cash back on up to $2,000 of combined spending across two categories you choose, including fast food, home utilities, TV, internet, and streaming services, department stores, electronic stores, cell phone providers, sporting goods stores, furniture stores, movie theaters, gyms and fitness centers, ground transportation, and select clothing stores.
Cardholders also earn uncapped 5% cash back on prepaid travel booked through the U.S. Bank travel portal, 2% on a choice between groceries, restaurants, or gas and EV charging stations, and 1% on other purchases.
New cardholders can earn a welcome bonus of $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening, and take advantage of 0% intro APR on purchases and balance transfers for the first 15 billing cycles (then a 18.49% - 28.74% Variable APR).
The U.S. Bank Cash+® Visa Signature® Card has some drawbacks. It charges foreign transaction fees and imposes a minimum threshold of $25 to redeem rewards as cash back. Also, rewards expire 36 months after the billing cycle in which they were earned, so you can't hold onto them indefinitely.
But if you value cash back above all else and frequently make purchases that land in 5% categories, this card is a winner.
Best Visa Credit Card for Families
$95
N/A
19.99% - 28.24% Variable
Earn 60,000 bonus points
Good to Excellent
Pros
Cons
If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.
Chase Sapphire Preferred- Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
- 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
- Member FDIC
In addition to being one of the best travel rewards credit cards around, the Chase Sapphire Preferred® Card is a great fit for families who want a well-rounded card with amazing benefits for just $95 a year.
It offers some of the best travel insurance you'll find on a credit card, a benefit that's especially helpful if you travel with young children.
The Chase Sapphire Preferred® Card offers trip interruption benefits that reimburse you for non-refundable travel expenses if you have to cancel because of sickness, severe weather, or other covered reasons. It also offers primary rental car insurance and several other travel and purchase protections, including baggage delay insurance that kicks in after only six hours.
Cardholders earn 5 points on travel purchased through Chase Travel℠, 3 points on dining, select streaming services and online groceries, 2 points on all other travel purchases, and 1 point on all other purchases. You'll get a 25% bonus when redeeming points through the Chase Travel℠ Portal, and earn a 10% points bonus on their card renewal anniversary each year.
This powerful card also comes with an annual credit of up to $50 for hotels booked through Chase Ultimate Rewards, as well as perks with delivery service DoorDash including complimentary DashPass.
New cardholders can earn a welcome bonus of 60,000 bonus points after you spend $5,000 on purchases in the first three months from account opening.
Best Visa Credit Card for Frequent Travelers
The Capital One Venture X Rewards Credit Card is a no-brainer for frequent travelers who value simple rewards and strong travel benefits.
The "big sibling" of the VentureOne card farther up in this guide, this card earns 10 miles on hotels and rental cars booked through Capital One Travel, 5 miles per dollar on flights and vacation rentals booked through Capital One Travel, and 2 miles on all other purchases.
Cardholders get an annual credit of up to $300 toward travel booked through Capital One Travel, plus a bonus of 10,000 miles each year on your account anniversary worth $100 when you redeem miles through Capital One.
Those credits alone can offset the card's $395 annual fee, but you'll get plenty more. The Capital One Venture X Rewards Credit Card also comes with complimentary access to Priority Pass airport lounges, as well as the small but growing network of Capital One lounges.
The Capital One Venture X is the most affordable credit card with airport lounge access, including less than The Platinum Card® from American Express, which has an annual fee of $695.
The card also comes with an application fee credit of up to $120 for expedited security programs Global Entry and TSA PreCheck®. It also comes with first-rate travel protections such as primary rental car insurance, and trip delay protection that applies after just six hours of delay.
This cool metal credit card comes with an introductory offer of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. That's worth around $1,275 in travel, based on our average valuation of Capital One miles at 1.7 cents each.
Best for Amazon and Whole Foods Shoppers
$0
N/A
19.49% - 28.24% Variable
Get a $150 Amazon Gift Card
Good to Excellent
Pros
Cons
The Amazon Prime Visa is a good choice if you're already an Amazon Prime member — and do quite a bit of online shopping. It comes with decent benefits for a no-annual-fee credit card, and its earning rates are exceptional.
Prime Visa- Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
- Earn unlimited 5% back at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership
- Prime Card Bonus: Earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership
- Earn unlimited 2% back at gas stations, restaurants, and on local transit and commuting (including rideshare)
- Earn unlimited 1% back on all other purchases
- No annual credit card fee
- No more waiting. Redeem daily rewards at Amazon.com as soon as the next day
- Member FDIC
The Prime Visa offers exceptional value for Amazon Prime members, who earn 5% back at Amazon.com, Amazon Fresh, and Whole Foods when paying with this card at checkout. Those purchases earn 3% back without a Prime account, but the rewards are uncapped in either case.
Prime Visa cardholders also earn 10% back or more on a rotating selection of items and categories on Amazon.com with an eligible Prime membership, 2% back at restaurants, gas stations, and local transit and commuting (including rideshare), and 1% back elsewhere.
The card comes with an introductory offer: $150 Amazon Gift Card instantly upon approval exclusively for Prime members. There's no spending requirement for the gift card; it's loaded into your Amazon.com account as soon as your card application is approved.
Earnings and bonus aside, the Prime Visa has strong perks for a credit card with no annual fee. You get key shopping benefits like an extended warranty policy and purchase protection that covers theft and damage for up to 120 days after purchase and $500 per claim.
Cardholders also get travel benefits like secondary car rental insurance within the U.S. and primary car rental insurance elsewhere; baggage delay insurance that kicks in after six hours; and no foreign transaction fees.
Best Visa Credit Card for Costco Fans
If Costco is your favorite place to shop, the Costco Anywhere Visa® Card by Citi is perfect for you.
Cardholders earn 5% cash back on gas at Costco and 4% on other eligible gas and EV charging (on a combined $7,000 in spend per year on 5% and 4% earning, then 1% thereafter), 3% on restaurants and eligible travel (including Costco Travel), 2% on all other purchases from Costco and Costco.com, and 1% on all other purchases.
Each February, you receive a rewards certificate for everything you earned in the previous year, which you can exchange at U.S. Costco warehouses for merchandise or cash back.
This no-annual-fee credit card requires an active Costco membership.
Best for Bad Credit
Secured credit cards can help you establish a credit history or rebuild your credit, but they tend to offer little else in return.
The Bank of America® Customized Cash Rewards Secured Credit Card is an exception: While it remains light on benefits, this card earns rewards at rates competitive with unsecured starter credit cards, including some that charge an annual fee.
The Bank of America® Customized Cash Rewards Secured Credit Card does not offer a welcome bonus, but you can earn 3% cash back on purchases in one category of your choice across gas, online shopping, dining, travel, drug stores, and home improvement purchases. 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 once you have $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.
What are Visa Credit Cards?
Visa credit cards are payment cards offered on the Visa payment network. Many come with generous rewards and earning potential, although some have annual fees and additional costs. When considering a Visa credit card, evaluate travel perks and benefits, as well as additional features and flexibility.
Visa Credit Card Tiers: Traditional, Signature, Infinite
Along with the benefits offered by card issuers, many Visa cards come with their own built-in set of perks.
The base tier of Visa cards are Traditional cards, with standard benefits like auto collision damage waivers for rental cars, roadside assistance hotline, and zero fraud liability in addition to exclusive discounts for travel and entertainment.
Mid-tier Visa Signature cards include the previous benefits, plus access to special status benefits such as room upgrades and dining credits at hotels within the Visa Signature Luxury Hotel Collection,
Top-tier Visa Infinite cards offer application fee credits for Global Entry, rental car status and discounts, elite status-like benefits at partnering hotels, and more.
Choosing the Right Visa Credit Card for You
When evaluating Visa credit cards, factors to consider include matching card features with your personal spending habits to help you maximize rewards and benefits. All cards have pros and cons, so balance the advantages against potential drawbacks and considerations.
For example, using points and rewards will differ from family to family. Some people value redeeming points for travel and merchandise, while others prefer cash back for statement credits.
Annual fees are another factor to consider when choosing the best Visa credit card for you. Cards with annual fees can be well worth the cost if you plan to use your new card extensively to earn significant rewards. But if you only plan to get the card for purchase protection and occasional use, you may want to consider getting a no-annual-fee credit card that offers those benefits without expense to you.
Why You Should Trust Us: How We Chose the Best Visa Credit Cards
Business Insider considered dozens of popular Visa credit cards, including rewards credit cards, cash-back credit cards, and credit cards for bad credit.
Our experts evaluated several major 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 people building their credit.
Here's a closer look at how we rate credit cards at Business Insider that explains our full methodology.
FAQs
How can I maximize the benefits of a Visa credit card?
To maximize benefits, use your Visa credit card for purchases in categories that earn the highest rewards. Take advantage of travel perks, insurance, and other cardholder benefits. Pay your balance in full each month to avoid interest charges and monitor your points to ensure you're getting the best value from your redemptions.
What is the best Visa credit card?
The Chase Freedom Unlimited® is one of the best Visa credit cards for people who value 1.5% cash back on most purchases with no annual fee, plus a generous 0% intro APR period (then 18.99% - 28.49% Variable APR).
What is the highest level of Visa card?
Visa cards come in several tiers of benefits, 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.
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 through the bank that issues the card — online, by phone, or in person at a bank 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.
***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
