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Best Visa Credit Cards of December 2024

Review Updated
Natasha Etzel
Author: Natasha Etzel
Natasha Etzel
Natasha Etzel
Writer

Natasha has been a freelance writer since 2015. She specializes in credit card and credit card rewards content. When not busy writing, she's either dreaming up her next credit card rewards redemption or traveling the globe. Her goal is to encourage more people to experience the world around them while making smart financial choices.

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| 2 others [ + ]
Steven Porrello
Reviewer: Steven Porrello
Steven Porrello
Steven Porrello
Writer

Steven is a personal finance writer covering topics from mortgages to credit cards to market news. He has written for The Motley Fool Canada, Ramsey Solutions, Nerdwallet, Clever Real Estate, and other major outlets. Steven launched his writing career at the age of four with his first book, "Revenge of the Bad Guys." He currently lives in Portland, Oregon.

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Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Terms may apply to offers listed on this page.

Visa credit cards are widely accepted, and they come in a variety of card types. With so many options available, you may be wondering how to pick the right Visa credit card product for your needs. Check out our list of best Visa credit cards to learn more about your card options.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Best Visa credit cards
Show The List [+] Hide The List [-]

Ratings Methodology
Award Icon 2025 Award Winner

Chase Sapphire Preferred® Card

Great for: Travel sign-up bonus

Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Chase Sapphire Preferred® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Preferred® Card

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.74% - 27.74% Variable

Rewards Circle with letter I in it. 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.

5x on travel purchased through Chase Travel℠, 3x on dining and 2x on all other travel purchases

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • Bonus travel and dining rewards, along with an annual $50 hotel credit, make this card worth the (very reasonable) annual fee. Chase points are both valuable and easy to use, offering 25% more value for bookings through Chase Travel, which simplifies the experience compared to other travel cards. Not to mention it provides robust travel protections, including primary rental car insurance, trip delay reimbursement, lost luggage reimbursement, and trip cancellation/interruption insurance. Read Full Review

    • Big sign-up bonus
    • Travel rewards
    • Dining rewards
    • Flexible travel points
    • Consumer and travel protections
    • Annual fee
    • Limited-time perks
    • Earn 60,000 bonus points after you spend $4,000 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.
    • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
    • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
    • Member FDIC
Award Icon 2025 Award Winner

Chase Freedom Unlimited®

Great for: Bonus rewards on everyday spending

Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Chase Freedom Unlimited®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Freedom Unlimited®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR on Purchases and Balance Transfers for 15 months

Purchases: 0% Intro APR on Purchases, 15 months

Balance Transfers: 0% Intro APR on Balance Transfers, 15 months

Regular APR

19.74% - 28.49% Variable

Rewards Circle with letter I in it. 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

1.5% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.

Up to $300 cash back

  • A cash back card that has it all with unlimited 1.5% - 5% cash back rates and an excellent 0% intro APR offer. There's also an innovative sign-up bonus worth up to $300 cash back. With the bonus, you’ll earn 4.5% cash back on dining and drugstores, 6.5% on travel booked through Chase Travel, and 3% on all other purchases (on up to $20,000 spent in the first year). After the bonus, you’ll still earn the regular cash back rates on every purchase. Read Full Review

    • Innovative sign-up bonus
    • Purchase and travel protections
    • Robust rewards program
    • Great intro APR
    • No annual fee
    • Limited bonus opportunities on everyday spending
    • Foreign transaction fee
    • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
    • Enjoy 6.5% 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; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
    • After your first year or $20,000 spent, enjoy 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 unlimited 1.5% cash back 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 19.74% - 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

Chase Sapphire Reserve®

Great for: Premium travel rewards

Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Chase Sapphire Reserve®

On Chase's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.74% - 28.74% Variable

Rewards Circle with letter I in it. Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

5x points on flights and 10x points on hotels and car rentals through Chase Travel℠.

Annual Fee

$550

Welcome Offer Circle with letter I in it. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.

60,000 bonus points

  • All the perks we've come to expect from a top travel card, including a $300 annual travel credit, airport lounge access, and big bonuses on travel and dining. Points are transferable to airline and hotel partners or worth 50% more if you book through Chase Travel. The annual fee is hefty, but if you can use all its features, this card could be well worth the cost. Read Full Review

    • Travel credits
    • Airport lounge access
    • Travel and dining rewards
    • Welcome offer
    • Flexible travel points
    • Annual fee
    • Limited-time benefits
    • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
    • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
    • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
    • Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
    • Member FDIC

Bank of America® Customized Cash Rewards credit card

Great for: Gas and grocery rewards

Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Bank of America® Customized Cash Rewards credit card

On Bank of America's Secure Website.

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.49% - 28.49% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular APR

18.49% - 28.49% (Variable)

Rewards Circle with letter I in it. 3% cash back in the category of your choice, 2% at at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases, 1% on all other purchases.

1% - 3% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

$200 cash back

  • This card's wide range of extra cash back options speaks for itself, with a choice of six bonus categories you can change monthly for 3% earnings in the category of your choice. And you can earn 2% back automatically at grocery stores and wholesale clubs. No annual fee and a nice welcome bonus also make this one a winner. Plus, if you're a Bank of America Preferred Rewards member, this card will be even more valuable for you. Read Full Review

    • Competitive welcome bonus
    • Bonus cash back in a category of your choice
    • No annual fee
    • Great 0% intro & transfer APR offer
    • Relationship rewards bonus
    • Foreign transaction fee
    • Limit on bonus cash back
    • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
    • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
    • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
    • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
    • No annual fee and cash rewards don’t expire as long as your account remains open.
    • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.49% - 28.49% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
    • Contactless Cards - The security of a chip card, with the convenience of a tap.
    • This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. You can take advantage of this offer when you apply now.

U.S. Bank Visa® Platinum Card

Great for: Long 0% intro APR offer

Read Review
U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 21 billing cycles on purchases billing cycles, and after that 18.24% - 29.24% (Variable).

Purchases: 0%, 21 billing cycles on purchases

Balance Transfers: 0%, 21 billing cycles

Regular APR

18.24% - 29.24% (Variable)

Rewards

N/A

Annual Fee

N/A

Welcome Offer

N/A

  • Got a big purchase to finance over time? Consider this U.S. Bank card, as it'll give you a whopping 21 billing cycles of 0% APR on purchases. This also goes for balance transfers, making this one a great fit if you have some existing debt to pay off. It also comes without an annual fee.

    • Long 0% intro APR offer
    • No annual fee
    • Cellphone protection
    • Free credit score monitoring
    • No rewards
    • High balance transfer fee
    • Foreign transaction fee
    • For a limited time, 0% Intro APR on purchases and balance transfers for 21 billing cycles. After that, a variable APR currently 18.24% - 29.24%.
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
    • Choose a payment due date that fits your schedule
    • No Annual Fee
    • Terms and conditions apply.
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

U.S. Bank Altitude® Go Visa Signature® Card

Great for: Dining

Read Review
U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. 0% on purchases and balance transfers for the first 12 billing cycles on purchases billing cycles, and after that 17.74% to 28.74% (Variable).

Purchases: 0%, 12 billing cycles on purchases

Balance Transfers: 0%, 12 billing cycles

Regular APR

17.74% to 28.74% (Variable)

Rewards Circle with letter I in it. 4X points on dining, takeout, and restaurant delivery. 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more! 2X points at grocery stores (excluding warehouse clubs and discount stores/supercenters), grocery delivery, gas stations, and EV charging stations. 1X point on all other eligible purchases.

1x - 4x points

Annual Fee

$0

Welcome Offer Circle with letter I in it. 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening

20,000 bonus points

  • A great pick that offers lucrative rewards (up to 4x points), a big bonus, and a competitive 0% intro APR offer, all with no annual fee.

    • Big sign-up bonus
    • Dining rewards
    • No annual fee
    • 0% intro APR offer
    • Streaming credit
    • Balance transfer fee
    • Intro Offer: Earn 20,000 bonus points when you spend $1,000 in eligible purchases within the first 90 days of account opening. That's a $200 value redeemable towards merchandise, gift cards, cash back, travel and more.
    • 4X points on dining, takeout, and restaurant delivery.
    • 2X points on streaming services. Plus, a $15 credit for annual streaming purchases like Netflix, Hulu, Spotify®, Apple Music, Disney+, HBO Max and more!
    • 2X at grocery stores and gas stations/EV charging stations (discount stores/supercenters and wholesale clubs excluded).
    • 1X point on all other eligible purchases.
    • 0% Intro APR on purchases and balance transfers for the first 12 billing cycles. After that, a variable APR applies, currently 17.74% to 28.74%.
    • No Annual Fee
    • Points never expire as long as your account is active.
    • Redeem points towards a monetary charitable contribution and U.S. Bank will match your contribution at 100%.
    • Terms and conditions apply.
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Great for: Limited or no credit history

Read Review
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair/New to Credit Under(669)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair/New to Credit Under(669)

Intro APR

Purchases: n/a

Balance Transfers: n/a

Regular APR

18.24 - 32.24% Variable

  • If you need to build credit, pay attention to this card. You qualify based on bank information, rather than credit, and there are no fees of any kind. Best of all, if you pay your monthly bill on time every time, your cash back rate will grow from 1% to 1.5% on purchases over your first year.

    • For rebuilding credit
    • No credit history required
    • Competitive cash back rewards
    • No fees
    • Fixed payment due date
    • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
    • Up to 1.5% cash back on unlimited everyday purchases (1% right away increases to 1.25% after 6 monthly on time payments and 1.5% after another 6 monthly on time payments)
    • 2-10% cash back at select local and national merchants
    • See if you’re pre-approved in minutes without impacting your credit score
    • No Credit Score? No problem. Credit history isn’t required for approval
    • Get an automatic credit limit increase after 6 qualifying on time monthly payments. Terms apply
    • No security deposit required
    • Petal reports to all 3 major credit bureaus
    • Pay with ease with a contactless card or on your phone using Apple Pay, Google Pay, or Samsung Pay
    • Card issued by WebBank

Overview of the best Visa credit cards

Chase Sapphire Preferred® Card

Best for: Travel rewards

The Chase Sapphire Preferred® Card offers an impressive sign-up bonus that is well above most other credit cards. Cardholders can earn travel rewards and have access to the Chase Ultimate Rewards program, which has many partners and offers a lot of flexibility.

Read the full Chase Sapphire Preferred® Card review

U.S. Bank Visa® Platinum Card

Best for: Lengthy 0% Intro APR

The U.S. Bank Visa® Platinum Card has one of the longest 0% intro APR cards on the market.

While it doesn't offer rewards, new cardholders secure a 0% intro APR for 21 billing cycles. This makes it an excellent card for anyone who wants to avoid paying interest on new purchases and balance transfers.

Read the full U.S. Bank Visa® Platinum Card review

Bank of America® Customized Cash Rewards credit card

Best for: Gas rewards

The Bank of America® Customized Cash Rewards credit card lets you customize your reward experience so that you're earning rewards on your biggest spending category. Cardholders can earn bonus cash back in one of six popular spending categories, including gas, online shopping, dining, travel, drug stores, and home improvement products.

Read the full Bank of America® Customized Cash Rewards credit card review

Chase Freedom Unlimited®

Best for: Unlimited cash back

The Chase Freedom Unlimited® offers several cash back earning categories. There's no annual fee to use this card, and cardholders can earn unlimited cash back. The card also comes with a 0% intro APR for 15 months on purchases and balance transfers.

Read the full Chase Freedom Unlimited® review

U.S. Bank Altitude® Go Visa Signature® Card

Best for: Dining rewards

The U.S. Bank Altitude® Go Visa Signature® Card is a no annual fee card with the ability to earn big -- up to 4 points per $1 spent on dining, takeout, and delivery services. This card also has an introductory 0% APR offer for 12 billing cycles for both purchases and balance transfers.

Read the full U.S. Bank Altitude® Go Visa Signature® Card review

Chase Sapphire Reserve®

Best for: Premium travel benefits

The Chase Sapphire Reserve® is a premium-level travel rewards credit card loaded with valuable benefits like a yearly $300 travel credit, airport lounge access, and trip insurance. It comes with a high annual fee, but it has some of the best travel card perks and services and gives cardholders access to the Chase Ultimate Rewards program.

Read the full Chase Sapphire Reserve® review

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Best for: Limited credit history

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is marketed as a no fee card made specifically for people with no credit history or minimal credit history. Cardholders can earn up to 1.5% cash back on their spending when paying bills on time, and they won't have to worry about fees since this card doesn't charge an annual fee, late payment fees, or foreign transaction fees.

Read the full Petal® 2 "Cash Back, No Fees" Visa® Credit Card review

Types of Visa credit cards

Like other credit card issuers, Visa makes numerous types of credit cards, each of which is defined by one or several fundamental features. For example, if a Visa card earns cash back and has a 0% intro APR, then it could be defined as both a cash back Visa card and a 0% intro APR Visa card.

It's much easier to choose a credit card when you know which type you want. With that in mind, here are all the types of credit cards and how they work.

Rewards Visa credit cards

With a rewards card, you earn rewards on everyday purchases. The type of rewards you'll earn depends on the card. The most common are cash back, travel rewards you can use for travel purchases, and store rewards you can use for gift cards at the store that issued the card.

Cash back Visa credit cards

These Visa cards earn cash back, so they're considered both rewards cards and cash back credit cards. You can typically redeem your cash rewards for a statement credit on your credit card bill, a deposit to a bank account, gift cards, a check in the mail, or for products and services. Cash back Visa cards are easy to use, making them a great choice for beginners and anyone who wants uncomplicated credit card rewards.

Travel Visa credit cards

Travel Visa cards earn rewards you can redeem for travel purchases, like flights and hotel stays. Travel credit cards usually refer to rewards as points or miles. Although there can be more of a learning curve with these Visa cards, they can help you save on expensive travel bookings. A good travel rewards credit card won't charge a foreign transaction fee. Most travel credit cards for good credit require applicants to have credit history and a good credit score.

0% intro APR Visa credit cards

This type of Visa card has a 0% intro APR that applies to purchases you make. The card issuer won't charge you any interest on your purchases during the intro period. You could save money financing expensive purchases with a 0% intro APR Visa card. Because the APR goes up when the interest-free offer ends, it's recommended you pay off your balance before that happens.

Read more: Best 0% APR Credit Cards

Balance transfer Visa credit cards

These Visa cards also have a 0% intro APR, with the difference being that it applies to balance transfers. That means you can move over balances from other credit cards. In some cases, card issuers will let you transfer other types of debt. The advantage of a balance transfer Visa card is that it helps you save money on interest while paying down debt. Be aware that you'll likely have to pay a balance transfer fee.

If you're interested in this type of card, check out our picks for the best balance transfer credit cards.

Student Visa credit cards

These cards are aimed at college students who are building credit for the first time. They usually don't have as many features as the top credit cards. However, the best credit cards for students may have perks designed with students in mind, such as bonus money for good grades.

Visa credit cards for bad credit

These Visa cards are for consumers who have bad credit or don't have much of a credit history yet. Since they're primarily for increasing your credit score, they're typically light on other benefits. Many credit cards for bad credit require a security deposit up front, but cardholders can often get their deposit back after making enough on-time payments.

What is the best Visa credit card?

You may be wondering which is the best Visa credit card to have. This answer will not be the same for each cardholder. For instance, if you're looking to earn rewards on hotels or get travel vouchers each year, you might want to compare Visa travel cards to see which one might maximize your earnings. Likewise, if you're looking for a card with low fees, the best Visa card for you might be one with no annual fee. And if you have little to no credit history, a Visa credit card for bad credit might be best for you.

Consider your own needs before choosing which card to apply for so that you're able to reach your financial goals. A credit card that is labeled as one of the best credit cards may not necessarily be the best card for you. Luckily, there are many Visa credit card products out there, giving you enough choices to match one with your personal finances.

How to compare Visa credit cards

When comparing credit card offers, it's important to think about your goals for a card. You should also take a look at Visa credit cards to compare their features and benefits, as not all Visa cards are created equally.

Here are some questions to help you compare Visa card options:

  • Does this card provide a bonus offer? Is there a better credit card sign-up bonus out there?
  • What is the annual percentage rate (APR)? Is the interest rate higher than normal or is it average?
  • Does the card come with an annual fee? Can you afford the fee?
  • Does the bonus offer require you to meet a minimum spend? Can you afford to do so comfortably within the set time period?
  • How will you earn rewards? Are rewards unlimited?
  • Can I get this card with my credit score and credit history? Is there a card that makes more sense for my financial situation?

Learn more: What Is APR and What Does It Mean for Your Credit Cards?

In addition to comparing Visa cards, you might also compare other types of cards to see how they differ. If you're deciding between Amex vs. Visa, you should know that American Express cards tend to have more premium perks when compared to some Visa cards. But some merchants don't accept American Express cards, which could prove challenging if you want to use an Amex card regularly.

Mastercards are another popular card choice. When looking at Visa or Mastercard options, you likely won't have to worry about acceptance. But you should know that if you're a fan of Costco, the retailer only accepts Visa cards. So if you want to shop there often, a Mastercard credit card may not work for your situation.

Which Visa card is right for you?

Here's how to decide which Visa card is right for you:

  1. Figure out what you need most from a credit card. You might find you need to increase your credit score, refinance credit card debt with a 0% intro APR offer, or earn as much cash back as possible on your everyday purchases. The first thing to look at is your reason for getting a credit card.
  2. Choose the type of Visa card that matches your needs. This depends on what you're looking for in a card. Whether that's rewards, building credit, a 0% intro APR offer, or something else, choosing a type of Visa card will help you narrow down your options.
  3. Pick the Visa card you like the most. By now, you should have a shortlist of potential Visa cards. Check out what they have to offer and go with the one that seems like the best fit. If you want to see how your choices match up, you can get a full breakdown using our tool to compare credit cards.

Compare the best Visa credit cards

The Picks
Card Rating Great For
Award Icon 2025 Award Winner
Graphic of Chase Sapphire Preferred® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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= Excellent
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Great For:

Travel sign-up bonus
Award Icon 2025 Award Winner
Graphic of Chase Freedom Unlimited®
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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Great For:

Bonus rewards on everyday spending
Graphic of Chase Sapphire Reserve®
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Premium travel rewards
Graphic of Bank of America® Customized Cash Rewards credit card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Gas and grocery rewards
Graphic of U.S. Bank Visa® Platinum Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Long 0% intro APR offer
Graphic of U.S. Bank Altitude® Go Visa Signature® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Dining
Graphic of Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Limited or no credit history
U.S. Bank Visa® Platinum Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
U.S. Bank Altitude® Go Visa Signature® Card is unavailable on Motley Fool Money. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.

FAQs

  • It depends on your credit score, needs, and what you want the credit card to do. Deciding on the best Visa credit card will require you to think about your goals and how you typically spend your money. You should also look at the features and benefits of each card. In a nutshell, the best Visa credit card is one that will work best for you.

  • Visa offers a variety of credit cards, including rewards credit cards, cash back credit cards, travel credit cards, 0% intro APR credit cards, balance transfer credit cards, student credit cards, and credit cards for bad credit.

  • When looking at Visa cards, take the time to look at each card's benefits and features. You want to make sure that you're choosing the right card for your typical usage. You should also figure out what you need most from a credit card.