Top 10 Visa Signature Benefits & Best Visa Signature Cards [2021]

Visa Signature Card wireless payment

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When it comes to credit card payment processing networks, Visa stands out as 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 and that is the role of providing benefits. The financial institution selects the combination of Visa’s benefits that will be offered on each credit card the bank issues. Additionally, the bank will add-on its own card benefits.

We’re going to focus our attention today on the menu of benefits that Visa provides, talk about which benefits might be the most valuable, and look at the best cards available that also offer the most benefits.

Let’s move forward to explore the top Visa Signature benefits and the cards that offer these perks.

Visa Benefit Levels

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.

We’re focusing today on Visa Signature benefits as these benefits may be found, at some level, on every Visa credit card.

Visa Signature BenefitsMay Be Found on These Cards
  • Visa cards
  • Visa Signature cards
  • Visa Infinite cards
  • Visa Signature cards
  • Visa Infinite cards

Depending on the card issuer, you could receive any combination of Visa Signature benefits listed above.

In addition, a card issuer could choose to include its own collection of benefits on a specific card.

We’ll cover some examples of the best Visa Signature cards shortly, but first, let’s look at a list of the most valuable additional Visa benefits you might find on a Visa Signature card.

Bottom Line: Expect to see a variety of benefits from the Visa Signature benefits menu on any particular level of Visa card. Think of the list of Visa Signature benefits as a menu from which the card issuer can select the benefits it will offer on its Visa card. Knowing this can help you find the best possible card with a broader collection of benefits and ultimately more value.

The Top 10 Visa Signature Benefits

Fairmont Sonoma Mission Inn & Spa
Top Visa Signature benefits include access to elite perks at Luxury Hotel Collection properties like the Fairmont Sonoma Mission Inn & Spa. Image Credit: Luxury Hotels & Resorts

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 these 10 top benefits.

  1. Car rental insurance (primary coverage being superior over secondary coverage)
  2. Trip interruption and trip cancellation coverage
  3. Trip delay coverage
  4. Extended warranty
  5. Purchase protection
  6. Visa Signature Luxury Hotel Collection benefits
  7. Baggage insurance
  8. A minimum credit limit of $5,000
  9. Cell phone protection
  10. Global Entry/TSA PreCheck fee reimbursement

Bottom Line: Premium travel rewards cards with premium-level benefits can also come with high annual fees. Visa Signature cards that offer most of these top 10 benefits may still be able to provide a valuable package of benefits but on a card that charges a lower annual fee.

Finding the Best Visa Signature Cards

Let’s look at an example of a card that provides a nice collection of Visa Signature benefits but charges a lower annual fee. The chosen card issuer example is Chase, and the card example is the Chase Sapphire Preferred® Card.

Chase Sapphire Preferred Card

The 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 benefits that come with the Chase Sapphire Preferred card, a 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 low fee for a service call that can include:

  • Jump-start and lockout service
  • Towing services up to 5 miles
  • Changing a flat tire with an inflated spare
  • Fuel delivery of up to 5 gallons; cardholder is charged for the fuel
  • Standard winching

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, maximum $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:

  • Complimentary breakfast for 2
  • Late checkout when available, on request
  • An upgraded room when available
  • $25 food and beverage credit
  • Free Wi-Fi
  • VIP guest status

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.

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.

Bottom Line: The Chase Sapphire Preferred card is a good example of one of the best Visa Signature cards because it not only offers core Visa Signature benefits but also valuable additional Visa Signature benefits that Chase has chosen to include. The card also has a lower fee than most premium Visa cards.

The Best Business Visa Signature Cards

businessman paying with credit card
The best Visa Signature business cards align with your business spending and provide benefits you can use. Image Credit: Monkey Business Images via Shutterstock

Business credit cards that offer most of the top 10 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.

Ink Business Preferred® Credit Card

Credit CardKey Benefits & Info
Ink Business Preferred® Credit Card

Ink Business Preferred® Credit Card
Learn More
(at Chase's secure site)
  • Earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months.
  • $2,000
  • Earn 3 points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
  • Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn
  • 25% more value when redeeming points through Ultimate Rewards® travel
  • Good to Excellent Credit Recommended (670-850)
  • Annual Fee: $95

Must Reads: For more info on the Ink Business Preferred, see our guides on its benefits, 7 things to do as a new cardholder, and our full review. This is our favorite Chase business credit card.

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.

  • Cell Phone Protection — After paying a $100 deductible, you could receive up to $600 for the involuntary and accidental parting of your cell phone, accidental damage, or theft (police report required). There is a limit of 3 claims per 12-month period. Terms apply.

United℠ Business Card

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.

Ink Business Cash® Credit Card

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.

Bottom Line: When selecting a Visa Signature business card, choose a card that earns elevated rewards on your greatest business purchases, has redemption options that fit your preferences, and offers benefits your business can use. 

Additional Personal Visa Signature Cards

Hertz Car Rental
Rental car insurance that comes on your Visa Signature card can save you money. Image Credit: Hertz

Now let’s continue with a look at some additional personal consumer Visa Signature cards that score high at providing Visa Signature benefits.

Capital One® Venture® Rewards Card

Known for its simple earning structure and flexible redemption options, the CapOne Venture card comes with several Visa Signature benefits.

  • Secondary car rental insurance
  • Lost luggage coverage
  • Roadside dispatch
  • Purchase security
  • Extended warranty
  • Global Entry/TSA PreCheck fee reimbursement
  • Visa Signature Luxury Hotel Collection benefits
  • Travel accident insurance
  • Travel assistance service

Get answers to these FAQs about the CapOne Venture card, and all the reasons to consider this Visa Signature card, in our informative overview.

Bank of America® Premium Rewards® Card

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.

The Best Airline & Hotel-Branded Visa Signature Cards

United Airplane Newark New Jersey New York NYC
Co-branded Visa Signature cards come with even more hotel- or airline-related benefits. Image Credit: Tim Gouw via Pexels

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.

United℠ Explorer Card

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 and TSA PreCheck fee reimbursement.

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. Learn more about the best cards for United flyers in our overview.

Marriott Bonvoy Boundless™ Credit Card

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.

If you’re a Marriott Bonvoy fan, you’ll want to learn about all the best cards for Marriott Bonvoy loyalists.

Bottom Line: Whether it’s a personal, business, or co-branded Visa card, expect to see a variety of benefits from the Visa menu on each specific card. For example, a Visa card could offer some Visa Signature benefits and the best Visa Signature cards could offer Visa Infinite benefits. Knowing this can help you find the best possible card with a broader collection of benefits and ultimately more value.

Top 10 Visa Signature Benefits — Summary

While we’ve only covered a sampling of cards that come with valuable Visa benefits, the cards are representative of the type of benefit packages you can expect when selecting a Visa Signature card.

Let’s recap how each of these cards measures up in the area of top Visa Signature benefits.

Card# of Top 10 Visa Signature Benefits Offered
Bank of America Premium Rewards card8
Chase Sapphire Preferred card8
CapOne Venture card7
Ink Business Cash card6
Ink Business Preferred card9
Marriott Boundless card7
United Business card8
United Explorer card9

For more information on additional Visa rewards cards, check out our article on the top Visa credit cards.

Final Thoughts

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 prior to 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, and Bank of America® Premium Rewards® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently asked questions

Which is the best Visa Signature card?

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 having been said, any of the cards mentioned in this article could be a good choice for receiving the majority of Visa Signature benefits.

What is the difference between Visa and Visa Signature?

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 Signature or Visa Infinite benefits.

Do Visa Signature cards come with lounge access?

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.

Which is better, Visa Signature or Visa Infinite?

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.

Christine Krzyszton

About Christine Krzyszton

Christine, who lives in Northern Michigan, travels about 300,000 miles a year despite her remote location. Her expertise is traveling the world on a weekend with no pre-determined destination in mind, letting the cost of the airfare determine where she will go. She has over four million flown miles and elite status on all three major domestic carriers.

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