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The 15 Best Visa Credit Cards [Travel Rewards, Cash-back, Business]

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Christine Krzyszton
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Christine Krzyszton

Senior Finance Contributor

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Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, deta...
Edited by: Stella Shon
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Stella Shon

News Managing Editor

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With a degree in media and journalism, Stella has been in the points and miles game for more than 6 years. She most recently worked as a Corporate Communications Analyst for JetBlue. Find her work in ...
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Kellie Jez

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Kellie’s professional experience has led her to a deep passion for compliance, data reporting, and process improvement. Kellie’s learned the ins and outs of the points and miles world and leads UP’s c...

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Our topic today focuses on some of the best credit cards issued specifically using the Visa network. The network is one of the world’s largest, processing transactions on over 3.8 billion (yes, billion) credit cards with over 100 million merchants worldwide.¹

When you glance at any credit card, you may immediately notice the issuing network to which that card is affiliated. This network is important as it serves as a link between the card issuer and the accepting merchant to facilitate the transactions you make with the card. The network will also be the foundation for some of the benefits you receive on your credit cards.

You’ll find popular card networks such as Mastercard or Visa facilitating transactions for a variety of bank-issued credit cards, however, you’ll also find that all Mastercard and Visa credit cards are not created equal and do not offer all the same features and benefits.

In an effort to sort out some of the best cards available that use the Visa network, we’ve researched a long list of credit cards and zeroed in on some of the best Visa cards in each category.

But before we share our list with you, we want to talk briefly about how the Visa network works, in general, and its relationship to your credit card. This overview will only take a quick minute then we’ll be ready to dive into our take on some of the best Visa credit cards available.

The 15 Best Visa Credit Cards for Travel Rewards, Cash-back & Business — Summary

We’ll expand on some of the top benefits of these Visa cards shortly but first, let’s look at a high-level overview of some of the travel, cash-back, and business benefits you can expect from this collection of some of the best Visa credit cards.

We’ve also listed the annual fee for each card but fees can change so be sure to check for current information prior to applying for any card.

Card Summary of Our Favorite Cards in Each Category

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Credit CardBest ForWelcome Bonus and Annual FeeBenefits
Capital One Venture X Rewards Credit CardTravel
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
  • Worldwide airport lounge access via Priority Pass Select
  • Bonus earnings on hotels, car rentals, and flights via Capital One Travel
  • Bonus miles at card anniversary
  • Redeem miles for statement credits for previous travel purchases, for travel via Capital One Travel or transfer to travel partners
Chase Sapphire Preferred® CardTravel
  • Earn 60,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $95
  • Bonus earnings on travel, dining, and Lyft rides
  • Ultimate Rewards points can be redeemed for travel at 1.25 cents per point or transferred to airline/hotel partners for greater potential value
Chase Freedom Unlimited®Cash-back
  • 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!
  • Annual fee of $0
  • Bonus earnings on travel via Chase Travel, dining, and at drugstores
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Ink Business Preferred® Credit CardBusiness
  • NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
  • Annual fee of $95
  • Bonus earnings on Lyft rides, travel, shipping purchases, internet, cable, phone services, advertising on social media and on search engines (limits apply)
  • Redeem Ultimate Rewards for 25% more for travel via Chase Travel portal
  • Cell phone protection
United℠ Explorer CardAirline
  • Earn 60,000 bonus miles after spending $3,000 on purchases in the first 3 months.
  • Annual fee of $0 intro for the first year, then $95
  • Bonus earnings on United, dining, and hotels
  • Free checked bag, priority boarding
  • 2 1-time-use United Club passes each card anniversary year
The World of Hyatt Credit CardHotel
  • Earn 35,000 points after you spend $3,000 on purchases in your first 3 months. Plus, up to 30,000 additional points by earning 2x in the first 6 months on purchases that normally earn 1x, on up to $15,000 spent.
  • Annual fee of $95
  • Bonus earnings on Hyatt, restaurants, flights purchased directly with the airline, local transit, commuting, fitness/gym membership
  • Complimentary entry-level World of Hyatt elite status and faster path to higher elite status

Note that this is simply an overview of benefits — to learn more about a specific card, you’ll want to read on as we dig deeper into the details.

Let’s look closer at each of our featured Visa credit cards, how the cards earn rewards, your options at redemption time, and additional benefits.

The 5 Best Visa Travel Rewards Credit Cards

Travel rewards credit cards may offer elevated earnings on travel purchases, redemptions that focus on travel, and benefits that can make your travel more comfortable, cost-effective, and with travel-related protections. Also, a good travel rewards card should not charge foreign transaction fees.

Here are some of the best Visa travel rewards credit cards.

1. Chase Sapphire Preferred® Card

POPULAR FIRST CARD
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)

Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros

  • 5x points on all travel booked via the Chase Ultimate Rewards portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
  • 3x points on dining purchases, online grocery purchases, and select streaming services
  • 2x points on all other travel worldwide
  • $50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
  • 6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
  • Excellent travel and car rental insurance
  • 10% annual bonus points
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt

Cons

  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. 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, 2024.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is one of our favorite travel rewards credit cards because of its generous welcome bonus and the fact that it earns valuable Ultimate Rewards points. Additionally, you’ll find flexible redemption options that maximize the value of those rewards and a long list of travel and shopping benefits/protections.

Here are just some of the card’s additional key features and benefits:

  • 5x earnings on Lyft rides through March 2025
  • 5x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
  • Earns Ultimate Rewards points that can be redeemed for travel at 1.25 cents per point or transferred to the Chase travel partners for greater potential value
  • Primary collision damage waiver car rental insurance
  • Trip interruption, trip cancellation, and trip delay coverage
  • Baggage insurance
  • Purchase protection and extended warranty

2. Chase Sapphire Reserve®

Chase Sapphire Reserve®

Chase Sapphire Reserve®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)

Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros

  • 10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked via the Chase Ultimate Rewards portal
  • 3x points on all other travel and dining purchases; 1x point on all other purchases
  • $300 annual travel credit
  • Priority Pass airport lounge access
  • TSA PreCheck, Global Entry, or NEXUS credit
  • Access to Chase Luxury Hotel and Resort Collection
  • Rental car elite status with National and Avis

Cons

  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. 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 $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card shines as a premium travel rewards card with a collection of equally premium travel benefits. While the card does come with a higher annual fee than most of the Visa cards we’re covering here today, you’ll find stellar benefits that, if utilized, can make the card an excellent value.

3. Capital One Venture X Rewards Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture X Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros

  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
  • $300 annual travel credit on bookings made through Capital One Travel
  • Unlimited complimentary access for cardholder and 2 guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • 10,000 bonus miles awarded on your account anniversary each year
  • Global Entry or TSA PreCheck credit
  • Add authorized users for no additional annual fee (rates & fees)
  • No foreign transaction fees (rates & fees)

 

Cons

  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

 

  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

 

The card fits nicely into the travel rewards card neighborhood with a generous welcome bonus, lots of ways to earn Capital One miles, value at redemption time, and several useful travel/shopping benefits and protections.

Here is just a sampling of the key benefits you’ll find on the card:

4. Capital One Venture Rewards Card

Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees

Capital One Venture Rewards Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Learn More(at Capital One's secure site)

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$95
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent Credit (670-850)

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros

  • 5x miles per $1 on hotels and rental cars booked through Capital One Travel
  • 2x miles per $1 on all other purchases
  • Global Entry or TSA PreCheck application fee credit
  • No foreign transaction fees (rates & fees)
  • Access to Capital One transfer partners

Cons

  • Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
  • Earn unlimited 2X miles on every purchase, every day
  • Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more
  • Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Capital One Miles

Let’s continue with a rewards-earning card perfect for those who want simplicity when it comes to earning rewards but also want flexibility at redemption time.

  • Earn 2 miles per dollar spent on every purchase
  • Transfer to airline and hotel partners, or redeem for travel with Capital One
  • Global Entry or TSA PreCheck statement credit
  • Secondary collision damage waiver car rental coverage
  • Roadside dispatch services for 1 flat fee per service call
  • Purchase security and extended warranty

Hot Tip: See if you have any pending offers before you apply with the Capital One pre-qualification tool.

5. Bank of America® Premium Rewards® Credit Card

Bank of America® Premium Rewards® credit card

Bank of America® Premium Rewards® credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards card is a great travel rewards card for those looking for a simple approach to earning and redeeming rewards.
Earn 50,000 bonus points after you spend at least $3,000 in purchases in the first 90 days of account opening.
50,000 points
$500
$95
18.24% - 25.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Bank of America® Premium Rewards® credit card is a great option for anyone looking for a travel rewards card with a simple approach to how you earn and redeem your rewards.

From travel and purchase protections to airline incidental and Global Entry credits, there is plenty to love about the Bank of America Premium Rewards card.

Plus, those that hold status in the Bank of America Preferred Rewards program can get even more value from the card by boosting their rewards by 25% to 75%!

Pros

  • 2x points per $1 on travel and dining purchases
  • 1.5x points per $1 on all other purchases
  • Up to $100 annual airline incidental statement credit
  • Global Entry/TSA PreCheck statement credit
  • No foreign transaction fees
  • Travel protections
  • Purchase protections
  • Boost your rewards rate with the Bank of America Preferred Rewards program

Cons

  • $95 annual fee
  • Points are worth a fixed 1 cent per point, so it isn’t possible to get outsized redemptions via airline and hotel transfer partners
  • Receive 50,000 online bonus points – a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points for every $1 spent on all other purchases.
  • If you’re a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase. That means you could earn 2.5-3.5 points on travel and dining purchases and 1.87-2.62 points on all other purchases, for every $1 you spend.
  • No limit to the points you can earn and your points don’t expire.
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center.
  • Get up to $100 in Airline Incidental Statement Credits annually and TSA PreCheck®/Global Entry Statement Credits of up to $100, every four years.
  • No foreign transaction fees.
  • Low $95 annual fee.
  • 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.

Financial Snapshot

  • APR: 18.24% - 25.24% Variable
  • Foreign Transaction Fees: None

Card Categories

While not marketed as a travel rewards card specifically, the Bank of America Premium Rewards card offers several travel-related benefits.

We like the card’s simplicity when earning and redeeming rewards, as well as the elevated earning levels for existing Bank of America customers in the Preferred Rewards program.

The card also comes with a lot of travel benefits for a low-annual-fee card:

  • 2x points earned on travel and dining
  • 1.5x points on all other purchases
  • Eligible existing Bank of America customers qualify for up to 3.5x earnings
  • Redeem points for cash-back, statement credits, credit to Merrill account, or to purchase travel
  • $100 airline incidentals statement credit each year
  • Statement credit for Global Entry or TSA PreCheck
  • Travel and shopping protection, such as emergency medical evacuation coverage, secondary collision damage waiver car rental insurance, trip interruption/cancellation/delay coverage, baggage insurance, and purchase protection

Bottom Line: Travel rewards credit cards offer earnings, redemption, and benefits that have a travel-specific focus. For example, you’ll find greater earnings on travel purchases, redemption options that include flights/hotels, and benefits that can make your travel more comfortable, such as lounge access, rebates on expedited security services, and travel-specific insurance coverage. 

The 3 Best Visa Cash-back Credit Cards

There’s certainly no shortage of cash-back earning credit cards associated with the Visa card network. You won’t find a rewards category more flexible than cash-back, especially at redemption time.

Let’s look at the Visa cards that work well in this category.

1. Chase Freedom Unlimited®

Chase Freedom Unlimited®

Chase Freedom Unlimited®

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)

Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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!
Up to $300 cash back
$0
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros

  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Ultimate Rewards
  • 3% back on dining and drugstore purchases
  • 1.5% back on all other purchases
  • No annual fee
  • Earn big on travel purchased through Chase Ultimate Rewards
  • Everyday bonus on dining and drugstores
  • Straightforward cash-back on all other purchases
  • Ability to pool points

Cons

  • 3% 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 20.49% - 29.24%.
  • 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, real-time alerts, and more.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Chase Ultimate Rewards

There’s a certain freedom (pun intended) in knowing you can pull your Freedom Unlimited card from your wallet and earn well on most everyday purchases. The card could also quickly become your go-to card for large purchases that don’t fall into any bonus category earnings.

For a Visa card with no annual fee, the Freedom Unlimited card is a surprising little powerhouse of earning, redemption, and benefit options.

2. Bank of America® Customized Cash Rewards Credit Card

Bank of America® Customized Cash Rewards credit card

Bank of America® Customized Cash Rewards credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.

Bank of America® Customized Cash Rewards credit card

The Bank of America Customized Cash Rewards card allows you to maximize your cash-back in your choice category each month.
Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
$200
$0
0% Intro APR for 18 billing cycles for purchases. Variable rate of 16.24% - 26.24% applies thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re looking to the rake in the cash-back rewards, then the Bank of America® Customized Cash Rewards Credit Card is a great option. Not only do you get to choose the 3% category for the card, but you can also boost the cash-back you earn by being a member of the Bank of America Preferred Rewards program.

Pros

  • 3% cash-back in the category of your choice: gas, online shopping, dining, travel, drug stores, or home improvement/furnishings (your category can be changed each month)
  • 2% cash-back at grocery stores and wholesale clubs
  • 1% cash-back on all other purchases
  • No annual fee
  • Boost your rewards rate with the Bank of America Preferred Rewards program

Cons

  • 3% and 2% cash-back categories are limited to the first $2,500 in combined purchases each quarter, then you’ll earn 1%
  • Charges a foreign transaction fee
  • $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 quarterly purchases) and unlimited 1% on all other purchases.
  • If you’re a 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 no expiration on rewards.
  • New longer intro period! 0% Introductory APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 16.24% – 26.24% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers.
  • 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.

Financial Snapshot

  • APR: 0% Intro APR for 18 billing cycles for purchases. Variable rate of 16.24% - 26.24% applies thereafter.
  • Foreign Transaction Fees: 3%

Card Categories

If you’re not a big spender but want to earn rewards on the purchases you do make, the Bank of America Customized Cash Rewards card might be a fit. We like that you can select your 3% cash-back category (gas, online shopping, dining, travel, drug stores, or home improvement/furnishings) and that the card has no annual fee.

While the card doesn’t come with a lot of travel and shopping benefits, it does offer nice earnings in popular everyday spending categories.

Benefits include:

  • 3% cash-back in the category of your choice including gas stations, online shopping, drugstores, home improvement/furnishings, dining, or travel
  • 2% cash-back at grocery stores and wholesale clubs
  • 3% and 2% bonus categories combined limit is $2,500 in purchases per quarter
  • Unlimited 1% cash-back on all other purchases
  • If you’re a Preferred Rewards member, you can earn 25%-75% more cash-back on every purchase, which means you could earn 3.75%-5.25% cash-back on purchases in your choice category.

3. U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.S. Bank Cash+® Visa Signature® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.

U.S. Bank Cash+® Visa Signature® Card

This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
Earn a $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
$200
$0
0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (Variable).
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The U.S. Bank Cash+® Visa Signature® Card is a great card for those looking to maximize their cash-back rewards by earning up to 5% back from a variety of expense categories.

The cardholder gets to choose 2 categories every quarter. It’s also the best cash-back card to use for utility bills, a tricky expense to get solid rewards back for.

Pros

  • 5% cash-back across a large range of expense categories (you choose 2 categories every quarter), including utility bills (a rare perk for a credit card), home utilities, cell phone providers, fast food, TV, internet and streaming services, gym/fitness centers, and more
  • 5% cash-back on prepaid air, hotel, and car reservations booked directly in the Rewards Center
  • 2% cash-back on 1 everyday category, including grocery stores, restaurants, and gas stations
  • 1% cash-back on all other purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles; after that, a variable APR currently19.49 – 29.49%
  • No annual fee

Cons

  • Your 5% cash-back rewards on the top 2 categories of your choosing are limited to $2,000 in combined eligible purchases each quarter
  • Cash-back for travel expenses must be made through the Rewards Center
  • $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.
  • 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose
  • 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Center
  • 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants
  • 1% cash back on all other eligible purchases
  • 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, a variable APR currently 19.74 – 29.74%
  • No Annual Fee
  • Terms and conditions apply.

Financial Snapshot

  • APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.74% - 29.74% (Variable).
  • Foreign Transaction Fees: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars or 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency

Card Categories

For the consumer who wants flexibility in selecting their own cash-back bonus-earning categories, the U.S. Bank Cash+ Signature card offers this creative solution.

We like this Visa cash-back card for its ability to earn well on everyday purchases.

The card features the following benefits:

  • 5% cash-back on your choice of (2) select bonus categories, up to $2,000 per quarter (see option choices below)
  • Unlimited 2% cash-back earnings at grocery stores, gas stations, and restaurants
  • Redeem rewards for a statement credit, gift card, or deposit into a U.S. Bank account

5% cash-back categories, from which to select, include the following:

  • Cell phone providers
  • Department stores and select clothing stores
  • Electronic stores
  • Fast food
  • Furniture stores
  • Ground transportation
  • Gyms and fitness centers
  • Home utilities
  • Movie theaters
  • Sporting goods stores
  • TV, internet, and streaming services

Bottom Line: You’ll find a generous selection of cash-back rewards earning cards that utilize the Visa network. Keep in mind, however, that most Visa cash-back rewards cards, including the cards mentioned above, work well domestically but charge foreign transaction fees, so not every card may be suitable for international use. 

The 3 Best Visa Business Credit Cards

If you have a business, even a small business, you know the importance a business credit card can play in running your operation. Fortunately, some of the best business credit cards utilize the Visa network.

Let’s take a look at some of the most popular options.

1. Ink Business Preferred® Credit Card

NEW OFFER
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)

Ink Business Preferred® Credit Card

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

Pros

  • 3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
  • Cell phone protection
  • Purchase protection
  • Trip cancellation and interruption insurance
  • Rental car insurance
  • Extended warranty coverage

Cons

  • No elite travel benefits like airport lounge access
  • Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Travel℠
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

We like the elevated 3x earnings on common business purchases and the fact that every purchase you make earns rewards. We also like that the Ink Business Preferred card features plenty of additional value-added benefits:

  • 5x earnings on Lyft purchases through March 2025
  • Transfer points to hotel or airline partners for potentially greater value
  • Employee cards at no additional cost
  • Cell phone protection
  • Trip interruption, trip cancellation, and trip delay coverage
  • Primary car rental insurance coverage
  • Baggage insurance
  • Purchase protection and extended warranty

2. Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

Ink Business Cash® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.

Learn More(at Chase's secure site)

Ink Business Cash® Credit Card

This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
$750
$750
$0
0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Ink Business Cash® Credit Card has a lot going for it that makes it a compelling choice for small business owners. The card features a very lucrative 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year.

When you factor in that the card has no annual fee, and 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter, you could be adding big value back into your business for no cost out of pocket.

Pros

  • Earn 5% back on up to $25,000 spent in combined purchases at office supply stores and on cellular phone, landline, internet, and cable TV services each account anniversary year
  • Earn 2% back on up to $25,000 spent in combined purchases at gas stations and restaurants, and 1% back on all other purchases
  • Travel insurance and purchase protection
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • No annual fee

Cons

  • Spending caps in bonus categories
  • Low points earning outside of bonus categories
  • 3% foreign transaction fees
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
  • Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; 18.49% - 24.49% variable thereafter.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

Chase Ultimate Rewards

We like that the Ink Business Cash card earns 2% and 5% cash-back on common business purchases, up to $25,000 each year in each percent category, and the card comes with plenty of travel/shopping benefits:

  • Earns Ultimate Rewards points that can be redeemed for travel or statement credits at good value
  • Transfer points to premium Chase rewards cards for greater potential redemption value
  • Employee cards at no additional cost
  • Primary collision damage waiver car rental insurance
  • Baggage insurance
  • Roadside dispatch service
  • Purchase protection and extended warranty

3. Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

Ink Business Unlimited® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.

Learn More(at Chase's secure site)

Ink Business Unlimited® Credit Card

The Ink Business Unlimited card is a stellar option for business owners looking for a no-fuss uncapped 1.5% cash-back card without an annual fee.
Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
$750
$750
$0
0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

As a business owner, you likely keep pretty busy and probably prefer a credit card that just keeps things simple.

If so, the Ink Business Unlimited® Credit Card might be just the card for you. From zero annual fee to a flat cash-back rate, the card is a no-frills option that you don’t have to think twice about.

Don’t forget too, 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter

Pros

  • 1.5% cash-back on all purchases
  • No annual fee
  • 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Employee cards at no additional cost
  • Earn flexible rewards

Cons

  • 3% foreign transaction fee
  • Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase made for your business
  • No Annual Fee
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®.
  • Earn rewards faster with employee cards at no additional cost. Set individual spending limits for greater control.
  • Round-the-clock monitoring for unusual credit card purchases
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • 0% introductory APR for 12 months on purchases
  • Member FDIC

Financial Snapshot

  • APR: 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars

Card Categories

Rewards Center

You’re a busy business owner with little time to keep track of bonus categories or complicated earning structures. The Ink Business Unlimited card won’t bog you down with details as every purchase earns at least 1.5% cash-back and features benefits such as:

  • Ability to transfer Ultimate Rewards points to premium Chase rewards cards for potentially greater value
  • Redeem points for statement credits, travel, or shopping
  • Employee cards at no additional cost
  • Primary collision damage waiver car rental insurance
  • Baggage insurance
  • Roadside dispatch service
  • Purchase protection and extended warranty

Bottom Line: As you may have noticed, some of the best Visa business cards are issued by Chase. To learn more about these options, you’ll want to navigate over to our article on the best Chase business credit cards where we dig deeper into features and benefits. 

The 4 Best Visa Airline- and Hotel-branded Credit Cards

1. United℠ Explorer Card

United℠ Explorer Card

United℠ Explorer Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Learn More(at Chase's secure site)

United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
60,000 bonus miles
$720
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

You travel United all the time, but you have heard that there could be ways to make your travel experiences even better, including priority boarding, free bags, and more miles.

You should consider the United℠ Explorer Card, because this card does all that and more!

Pros

  • 2x miles per $1 on United purchases, dining purchases (including delivery services), and hotel stays
  • 1x mile per $1 on all other purchases
  • First checked bag free for you and up to 1 traveling companion
  • 25% statement credit on United inflight purchases
  • Priority boarding
  • Global Entry, TSA PreCheck, or NEXUS statement credit
  • 2 United Club 1-time passes each year
  • Premier upgrades on award tickets
  • Travel and purchase protections

Cons

  • $0 intro for the first year, then $95 annual fee
  • Does not earn transferable rewards
  • Earn 60,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
  • $0 introductory annual fee for the first year, then $95.
  • Earn 2 miles per $1 spent on dining, hotel stays, and United® purchases
  • Up to $100 Global Entry, TSA PreCheck® or NEXUS fee credit
  • 25% back as a statement credit on purchases of food, beverages and Wi-Fi on board United-operated flights and on Club premium drinks when you pay with your Explorer Card
  • Free first checked bag - a savings of up to $140 per roundtrip. Terms Apply.
  • Enjoy priority boarding privileges and visit the United ClubSM with 2 one-time passes each year
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

United MileagePlus Frequent Flyer Program

If United is your airline of choice, you’ll want to have a United-branded Visa card for earning miles that can be redeemed for free travel, United-specific perks during your travels, and a faster path to elite status.

  • Earn 2 miles per dollar spent on United, on dining, and hotel stays
  • United-specific benefits include a free checked bag for you and your companion, priority boarding, and a 25% rebate on inflight food/beverage
  • Global Entry, NEXUS, or TSA PreCheck statement credit
  • Receive a faster path to United MileagePlus elite status after spending $25,000 on the card in a calendar year to waive any PQD (Premium Qualifying Dollar) requirement for up to Platinum Premier elite status
  • Enhanced award ticket availability
  • Trip interruption, cancellation, and delay insurance
  • Baggage insurance
  • Purchase protection and extended warranty

2. Alaska Airlines Visa Signature® Credit Card

Alaska Airlines Visa Signature® credit card

Alaska Airlines Visa Signature® credit card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Provides the potential to earn plenty of miles to fly with Alaska Airlines or over a dozen partners. Plus, get an annual companion fare from just $122 ($99 fare plus taxes and fees from $23)!

Alaska Airlines Visa Signature® credit card

Provides the potential to earn plenty of miles to fly with Alaska Airlines or over a dozen partners. Plus, get an annual companion fare from just $122 ($99 fare plus taxes and fees from $23)!
Get 70,000 Bonus Miles plus Alaska's Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of your account opening.
70,000 bonus + Alaska's Famous Companion Fare™
$1,260
$95
18.24% - 26.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

With the Alaska Airlines Visa Signature® credit card in your wallet, you could get great perks and earn miles at the same time. This is a win-win if Alaska is the airline you prefer to fly with! Plus, its annual companion fare is a great benefit for traveling couples.

Pros

  • 3x miles per $1 spent on Alaska purchases
  • 2x miles per $1 spent on eligible gas, local transit (including rideshare), cable, and select streaming services
  • 1x mile per $1 spent on all other purchases
  • Annual companion fare
  • Free checked bag for you and up to 6 traveling companions
  • 20% back on Alaska inflight purchase

Cons

  • $95 annual fee
  • LIMITED TIME ONLINE OFFER — 70,000 bonus miles plus Alaska’s Famous Companion Fare™!
  • Get 70,000 Bonus Miles plus Alaska’s Famous Companion Fare™ ($99 fare plus taxes and fees from $23) after you make $3,000 or more in purchases within the first 90 days of your account opening.
  • Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare which allows you to book a companion flight from $122 ($99 fare plus taxes and fees from $23). Valid on all Alaska Airlines flights booked on alaskaair.com.
  • Free checked bag for you and up to 6 guests on the same reservation – that’s a savings of $60 per person roundtrip!
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases, 2 miles for every $1 spent on eligible gas, local transit (including rideshare), cable, and select streaming services, and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don’t expire on active accounts.
  • 10% reward bonus on all miles earned on card with an eligible Bank of America checking, savings, or investment account.
  • Priority boarding on Alaska Airlines when tickets are purchased with card.
  • With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
  • Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
  • Plus, no foreign transaction fees and a low $95 annual fee.
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Financial Snapshot

  • APR: 18.24% - 26.24% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Alaska Airlines Mileage Plan Frequent Flyer Program

With its Oneworld alliance affiliation, there are even more reasons to make Alaska Airlines your go-to airline. And if you’re frequenting the airline, you may want to enhance that relationship with a card that will help you earn miles faster and offer perks that can save you money during those travels.

Here’s what you can expect with the Alaska Signature card:

  • 3 miles per dollar spent on Alaska Airlines
  • 2 miles per dollar spent on gas, local transit (including rideshare), cable, and select streaming services
  • 1 mile per dollar spent on all other purchases
  • Free checked bag for the cardholder and up to 6 traveling companions
  • $99 Alaska’s Famous Companion Fare (cardholder pays taxes and fees not to exceed $22)
  • No foreign transaction fees

Hot Tip: The best credit card for airline purchases may not be an airline-branded credit card. Check out our recommendations for alternate cards that still reward your purchases with the airlines, provide travel benefits, and give you greater flexibility at redemption time. 

3. Marriott Bonvoy Boundless® Credit Card

LIMITED TIME OFFER
Marriott Bonvoy Boundless® Credit Card

Marriott Bonvoy Boundless® Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.

Marriott Bonvoy Boundless® Credit Card

Marriott loyalists will love this card's annual free night award, automatic elite status, and up to 17x points per $1 on Marriott hotel stays.
Earn 5 Free Night Awards (each night valued up to 50,000 points) after spending $5,000 on purchases in your first 3 months from account opening with the Marriott Bonvoy Boundless® Credit Card!
Earn 5 Free Night Awards
$1,750
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

If you’re a frequent traveler and a Marriott loyalist, there’s a lot to love about the Marriott Bonvoy Boundless® Credit Card. The card comes packed with several great benefits like a free hotel night once a year, automatic Silver Elite status (with a fast-track to Gold Elite status), and multiple options for redeeming points.

Pros

  • Earn big when you use your card at thousands of participating Marriott Bonvoy hotels
  • Earn big at grocery stores, gas stations, and dining
  • Automatic Silver Elite Status
  • 1 Free Night Award each cardmember anniversary (valued up to 35,000 points)
  • One year complimentary DoorDash DashPass subscription
  • No foreign transaction fees

Cons

  • $95 annual fee
  • Marriott Silver status is the lowest status tier
  • Limited time offer! Earn 5 Free Night Awards (each night valued up to 50,000 points) after qualifying purchases.
  • Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn up to 17X total points per $1 spent at thousands of hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite status, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No Foreign Transaction Fees. Your points don't expire as long as you make purchases on your card every 24 months.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

Rewards Center

Marriott Bonvoy

In addition to a generous welcome bonus, elevated earnings at Marriott properties, a free annual hotel night certificate, and complimentary elite status, we like this Marriott Bonvoy-branded Visa because of these additional benefits:

  • Redeem points for free hotel nights, hotel/air miles packages, or transfer to airline partners
  • Primary car rental insurance
  • Trip delay insurance for delays 12 hours or more
  • Lost, stolen, and delayed baggage protection
  • Roadside assistance dispatch
  • Shopping benefits such as purchase protection and extended warranty

To learn more about all the available Marriott Bonvoy-branded cards and their benefits, our article on the best Marriott Bonvoy cards will have all the information you need to find the best match no matter your level of Marriott Bonvoy loyalist.

4. The World of Hyatt Credit Card

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The World of Hyatt Credit Card

The World of Hyatt Credit Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt Credit Card

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Limited Time Offer: Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent. Offer ends 3/6/2024.
Up to 65,000 points
$975
$95
21.49% - 28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

Pros

  • Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
  • 1x point per $1 on all other purchases
  • 1 Free Night Award each cardmember anniversary (Category 1 to 4)
  • A second Free Night Award when you spend $15,000 on the card
  • Hyatt Discoverist status
  • 5 automatic elite night credits each year
  • 2 elite night credits for every $5,000 spent on the card
  • DoorDash DashPass subscription
  • No foreign transaction fees
  • Purchase protection
  • Trip cancellation/interruption and luggage insurance

Cons

  • $95 annual fee
  • Earn 35,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
  • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Member FDIC

Financial Snapshot

  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None

Card Categories

Rewards Center

World of Hyatt

While the Hyatt footprint isn’t as expansive as some of the bigger hotel chains, what it lacks in numbers of properties, it makes up for in the quality of experience and its popular World of Hyatt loyalty rewards program.

If you stay at Hyatt properties, even occasionally, you’ll want to glance at what the World of Hyatt card has to offer:

  • 2 points per dollar spent on dining, airfare purchased directly from the airlines, fitness and gym membership, and local transit
  • Complimentary Discoverist elite status
  • Free hotel night certificate at card anniversary for a Category 1 to 4 hotel
  • Additional free hotel night certificate after spending $15,000 each calendar year
  • 5 elite tier night credits towards elite status each calendar year
  • Earn 2 additional elite tier nights for each $5,000 spent on the card
  • Trip cancellation, trip interruption, and trip delay coverage
  • Purchase protection and extended warranty

Bottom Line: There are plenty of worthwhile hotel credit cards, of which these are just 2 examples. If you frequent a particular brand, it makes sense to explore associated credit cards that align with loyalty programs and provide benefits with that hotel group. You’ll find a wealth of information for doing so in our article featuring some of the best hotel-branded cards.

How Does the Visa Network Work?

It’s not necessary to know all the ins and outs of credit card networks, also called card associations, but it is good to have basic knowledge when selecting a credit card as not all networks are accepted universally.

First, Visa is not a credit card issuer but a link between the financial institution that issued your card and the merchant from which you make a purchase. When you use your Visa card, the associated VisaNet payment processing network kicks in and facilitates the transaction.

Visa also offers a collection of core benefits that serve as a menu from which the credit card issuer may choose to offer on each of the individual cards it issues. For example, Visa may offer a roadside dispatch benefit on its menu of available benefits, but the card issuer may or may not choose to offer it as a card benefit.

There are 3 levels of Visa benefits — Visa Traditional core benefits, elevated Visa Signature benefits, and the highest level Visa Infinite benefits.

The card issuer (the financial institution) will ultimately decide which of these benefits it will pass along to the cardholder. In addition, it will add its own level of benefits. For example, a card issuer may choose to offer additional benefits such as statement credits for specific purchases, food delivery subscriptions, or airport lounge access membership.

Finally, Visa (and Mastercard) network associations do not issue credit cards but, just so you’re aware, there are other card networks, such as American Express, which serve as both card issuers and as payment processing networks.

We talk about this dual relationship in another article, but for now, let’s look at some of the best credit cards available that are issued with Visa as the associated network and the benefits you can expect from those cards.

Bottom Line: Visa is a card association network that does not issue credit cards but functions as a payment processor between the merchant from which you make your purchase and the financial institution that issued your card. Visa also offers core benefits that the card issuer can choose to include, or not, on each specific credit card issued. 

Final Thoughts

It’s good to have a basic understanding of what a card network is and the relationship it has to your credit card.

It’s also good to understand the acceptance each card network has worldwide, and be sure to have cards that utilize various networks, especially when traveling.

If you only have cards, for example, that use and are issued by the American Express network, you may be inconvenienced if American Express is not accepted by a particular merchant.

With one of the world’s largest processing networks, it would be prudent to have at least 1 card that utilizes the Visa network as a staple in your wallet.

Please note there are so many worthy Visa cards we have not mentioned — there are just too many. Also, we have not included all available card benefits and the descriptions have been abbreviated. You’ll want to reference the Guide to Benefits for each card for specific benefits and the terms and conditions that apply.

Finally, you’ll note that the best Visa credit cards we’ve selected are not always the ones with the most benefits (or highest annual fees). We’ve selected Visa cards that offer a balance between the 2 factors and therefore the potential to deliver overall good value.

The best Visa card for you, however, will be one that matches your spending profile, has benefits that will outweigh any annual fee you’re willing to pay, and that has redemption options fitting your objectives.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Premium Rewards® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Bank of America® Customized Cash Rewards credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Alaska Airlines Visa Signature® credit card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

Frequently Asked Questions

Which is the best Visa card?

The best Visa card will be different for each individual consumer. Since there are so many Visa cards from which to choose, selecting the one that matches your spending habits and redemption objectives is key.

You’ll also want to make sure you’re comfortable with the annual fee and determine if you can use the card’s offered benefits.

If a Visa card matches all those criteria, it may be the best Visa card for you.

Which is better --- Visa or Mastercard?

You can’t go wrong with either card network as both are widely accepted throughout the world, especially compared to American Express or Discover.

Even domestically, both Visa and Mastercard networks are equally good choices.

Does Visa issue credit cards?

Visa is a payment processing network and does not issue credit cards. Financial institutions use the Visa card payment network to facilitate the transactions you make when you use your credit card to make a purchase with a merchant.

How can I make a Visa credit card payment?

You can access your Visa credit card account online at the website of the financial institution that issued your Visa credit card.

You can also call the number on the back of your Visa credit card or stop by your financial institution’s branch location. Additionally, you could mail your payment to the address on your statement.

Christine Krzyszton's image

About Christine Krzyszton

Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.

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