Edited by: Nick Ellis
& Juan Ruiz
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When it comes to credit card payment processing networks, Visa stands out as one of the largest and most widely accepted. The Visa network is a key link that facilitates payments between millions of merchants worldwide and the financial institution that issued your credit card.
Visa also serves another important role in your credit card’s functionality: the role of providing benefits options. The financial institution selects the combination of Visa benefits that will be offered on each credit card the bank issues. In addition to the Visa benefits the bank selects, the bank will also add its own card benefits.
Today, in our article, we’re going to focus our attention on the menu of benefits that Visa provides, talk about which may be the most valuable, and look at the best cards available in the Visa network.
Let’s move forward to explore the top Visa Signature benefits and the cards that offer these perks.
There are a large number of Visa Signature benefits you might find on any Visa Signature card. And, while not all of these benefits are guaranteed to be offered on any specific Visa Signature card, the best Visa Signature cards will have many — if not most — of what we consider to be the 10 top benefits.
Here are some of the best Visa Signature benefits available:
We’ll expand on some of the benefits of the best Visa Signature cards shortly, but first, let’s look at how the number of top Visa Signature benefits can differ by card.
|Visa Signature Card||Number of Top Visa Signature Benefits|
|Bank of America® Premium Rewards® Card||8|
|Capital One Venture Rewards Credit Card||7|
|Chase Sapphire Preferred® Card||8|
|Ink Business Preferred® Credit Card||9|
|Ink Business Cash® Credit Card||6|
|Marriott Bonvoy Boundless® Credit Card||7|
|United℠ Explorer Card||9|
|United℠ Business Card||8|
Note: this is a comparison of key Visa Signature benefits for illustration purposes and not all card benefits are included.
Visa offers a multi-level collection of benefits that can be found on traditional Visa cards, Visa Signature cards, and premium Visa Infinite cards. We refer to the list of benefits as a “menu” because the financial institution that issues your card can pick and choose which benefits it wants to include, or not include, on a specific card.
Here are some of the Visa and Visa Signature benefits you’ll find, at some level, on every Visa Signature card.
|Visa Signature Benefits||May Be Found on These Cards|
Depending on the card issuer, you could receive any combination of Visa and Visa Signature benefits listed above on a Visa Signature credit card.
In addition, a card issuer could choose to include its own collection of benefits on a specific card.
Now, let’s look at an example of some of the best Visa Signature cards and a sampling of the benefits that come with those cards.
Some of the best Visa Signature cards provide a nice collection of benefits yet charge a lower annual fee. One of the best examples of this combination is the Chase Sapphire Preferred card — let’s look at why we selected this card as one of the best Visa Signature options.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
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.
The Chase Sapphire Preferred card comes with standard Visa Signature benefits such as roadside dispatch, emergency card replacement, and cash disbursement. However, Chase has packed the card with additional valuable benefits.
Let’s look at the additional benefits that come with this Visa Signature card.
Primary Car Rental Insurance — Use your card to reserve and pay for your car rental, decline the agency’s collision damage waiver coverage, and receive primary car rental coverage. Primary car rental protection covers theft, damage, valid loss-of-use charges, and reasonable towing charges.
Roadside Dispatch — Cardholders pay 1 flat fee for a service call that can include:
Trip Interruption and Trip Cancellation — Receive up to $10,000 per claim, $20,000 per trip, for qualifying non-refundable expenses when your trip is interrupted or canceled for covered reasons, a maximum of $40,000 per 12-month period.
Trip Delay Reimbursement — If your trip is delayed more than 12 hours, you would receive up to $500 for each ticket for eligible expenses.
Baggage Insurance — If your baggage is delayed more than 6 hours, you could receive up to $100 per day for 5 days. Lost, stolen, or damaged luggage coverage is up to $3,000 per covered person, per trip.
Visa Signature Luxury Hotel Collection — Enjoy these elite-style benefits during your stay, just for being a cardholder:
Extended Warranty — For manufacturer’s warranties of 3 years or less, you’ll receive an additional year on qualifying items purchased with your card.
Purchase Protection — Your eligible purchase could be covered for theft, damage, or accidental parting for up to 120 days from the date of purchase, $500 per purchase, maximum of $50,000 per account.
Shipt Delivery Service Membership — Receive 3 months of free Shipt delivery membership and an additional 9 months at 50% off.
Emergency Card Replacement and Cash Disbursement — If you lose your card or need emergency cash, Visa can help get you a new card and emergency funds.
Minimum $5,000 Credit Limit — Visa Signature cards are issued with a minimum $5,000 credit limit; for this reason, you must have a good to excellent credit score to qualify.
Travel and Emergency Assistance — Receive 24/7 assistance when traveling for services such as emergency transportation, translation services, medical referrals, and much more (cardholder responsible for actual services).
Travel Accident Insurance — 2 levels of coverage are provided with benefits up to $500,000 for death or serious covered injury during your travels and when on a common carrier.
Business credit cards that offer most of the top Visa Signature benefits are widely available. Additionally, card issuers such as Chase make sure the cards are loaded with elevated bonus-category earnings, flexible redemption options, and additional benefits your business can utilize.
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.
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.
In addition to offering some of the same benefits as the Chase Sapphire Preferred card, the Ink Business Preferred card offers 9 of the top 10 Visa Signature benefits, including valuable cell phone protection.
A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
The United Business card is a compelling option for traveling business owners that are also frequent United flyers. Not only will the card help you earn more United miles, but it also offers great perks such as free checked bags, priority boarding, a discount on inflight purchases, and much more.
If you want Visa Signature benefits plus flight benefits on United Airlines, the United Business card offers both with an annual fee that won’t break your business budget.
You can expect Visa Signature benefits such as trip and baggage insurance, purchase protection, extended warranty coverage, and elite-style benefits with the Visa Signature Luxury Hotel Collection.
This card offers great rewards and no annual fee. Any new business owner that needs to get going will enjoy this card.
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.
You’ll find plenty of Visa Signature benefits on the Ink Business Cash card including primary car rental insurance when using the car for business, trip interruption/cancellation/delay coverage, roadside dispatch, purchase protection, and extended warranty coverage. You’ll also enjoy access to Visa Signature Luxury Hotel Collection benefits.
Now let’s continue with a look at some additional personal consumer Visa Signature cards that score high at providing Visa Signature benefits.
Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
As a frequent traveler with excellent credit, you’re always on the lookout for a credit card that comes with all the bells and whistles. And the easier it is to understand, the better!
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 sign-up bonus, high rewards rates, and flexible redemption options.
Known for its simple earning structure and flexible redemption options, the Capital One Venture card comes with several Visa Signature benefits:
Hot Tip: Get answers to these FAQs about the Capital One Venture card, and all the reasons to consider this Visa Signature card, in our informative overview.
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.
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%!
While the Bank of America Premium Rewards card is a solid earner for travel and dining purchases, you’ll find it also offers several redemption options and a good collection of Visa Signature benefits.
You can expect to find travel insurance benefits such as secondary car rental insurance, trip protection benefits, and baggage insurance included on the card. You’ll also find shopping protections such as purchase protection, return protection, and extended warranty.
If you frequent a particular airline or hotel brand, a branded card may provide airline or hotel benefits plus plenty of Visa Signature benefits.
Let’s look at an example of each co-branded Visa Signature card.
With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.
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!
You’ll find several Visa Signature benefits on the United Explorer card including primary car rental insurance, trip interruption/cancellation/delay coverage, baggage insurance, and access to Visa Signature Luxury Hotel Collection benefits. The card also offers Global Entry or TSA PreCheck fee reimbursement in the form of a statement credit of up to $100 every 4 years.
We also like the fact that the United Explorer card offers United travelers flight benefits that include a free checked bag, priority boarding, and additional United flight benefits.
Hot Tip: Learn more about the best cards for United flyers in our overview.
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.
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.
Marriott Bonvoy loyalists will find tremendous value in the hotel-centric benefits offered with the Marriott Boundless card in addition to a long list of Visa Signature benefits.
The card comes with Visa Signature benefits that include secondary rental car insurance, trip delay coverage, baggage insurance, and shopping benefits such as purchase protection and extended warranty coverage.
Hot Tip: If you’re a Marriott Bonvoy fan, you’ll want to learn about all the best cards for Marriott Bonvoy loyalists.
The best Visa Signature card for you will be the one that adds value for you personally or for your business.
However, benefits are just one of the criteria you’d want to review before selecting a credit card. You’ll also want to look at how earning and redemption options match up to your spending priorities and redemption preferences.
Additionally, it can be prudent to consider the level of annual fee you’re comfortable paying.
Fortunately, Visa Signature cards tend to have a balance of provided benefits commensurate to the level of annual premium you’ll need to pay. This balance makes it easy to find an affordable Visa Signature rewards card.
The information regarding the Capital One Venture Rewards 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 Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
The best Visa Signature card will be the one that matches your spending profile, has redemption options that make sense for you personally (or for your business), and has an annual fee that you’re comfortable paying.
With that said, any of the cards mentioned in this article could be a good choice for receiving the majority of Visa Signature benefits.
The difference between Visa and Visa Signature cards is the level of benefits provided with the card, with Visa Signature having greater benefits.
Core Visa benefits include roadside dispatch, car rental insurance, and emergency card replacement/cash disbursement. Visa Signature cards have additional benefits including a minimum $5,000 credit limit, extended warranty coverage, travel and emergency assistance, and access to the Luxury Hotel Collection benefits.
In addition, the card issuer can choose to add other Visa, Visa Signature, or Visa Infinite benefits.
Generally no, Visa Signature cards issued in the U.S. do not come with lounge access. Lounge access via Priority Pass Select membership is a Visa Infinite benefit.
However, a card issuer could choose to add a lounge access benefit to a Visa Signature card. The United Explorer card, for example, comes with 2 United Club passes each year.
The Visa Infinite collection of benefits is broader than the collection of Visa Signature benefits.
An example of a Visa Infinite benefit would be Priority Pass lounge access, an airline incidentals statement credit, or the Visa Infinite Luxury Hotel Collection benefits.
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