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Top 10 Visa Signature Benefits & Best Visa Signature Cards [2023]

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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: Nick Ellis
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Nick Ellis

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Nick’s passion for points began as a hobby and became a career. He worked for over 5 years at The Points Guy and has contributed to Business Insider and CNN. He has 14 credit cards and continues to le...
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Juan Ruiz

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Juan has been involved in credit cards, loyalty, travel, and personal finance for more than 10 years. He has worked for several outlets including The Points Guy and Forbes and was previously Editor-in...

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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.

Top 10 Visa Signature Benefits

Kimpton Seafire Resort and Spa
One of the best Visa Signature benefits is premium hotel benefits. Image Credit: Visa Signature Luxury Hotels Collection

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:

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

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 than the higher-level Visa Infinite cards.

Best Visa Signature Credit Cards — Summary

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.

SCROLL FOR MORE
Visa Signature CardNumber of Top Visa Signature Benefits
Bank of America® Premium Rewards® Card8
Capital One Venture Rewards Credit Card7
Chase Sapphire Preferred® Card8
Ink Business Preferred® Credit Card9
Ink Business Cash® Credit Card6
Marriott Bonvoy Boundless® Credit Card7
United℠ Explorer Card9
United℠ Business Card8

Note: this is a comparison of key Visa Signature benefits for illustration purposes and not all card benefits are included.

Bottom Line: The number of actual Visa Signature benefits that are included on any given Visa Signature card is determined by the issuing bank. As a result, not every Visa Signature card comes with the same level of benefits.

Visa Benefit Levels Overview

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.

SCROLL FOR MORE
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 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.

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.

Finding the Best Visa Signature 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.

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 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:

  • 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, 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:

  • 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.

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.

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 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

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

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

United℠ Business Card

United℠ Business 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 business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Learn More(at Chase's secure site)

United℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.
Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
Earn 100,000 bonus miles
$1,200
$99
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 Recommended (670-850)

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.

Pros

  • 2x miles per $1 on United purchases
  • 2x miles per $1 on dining
  • 2x miles per $1 at gas stations and office supply stores, and on local transit and commuting
  • 1x mile per $1 all other purchases
  • Free checked bag
  • 2 United Club 1-time passes each year
  • 25% back on United inflight purchases
  • Priority boarding
  • $100 United Annual Travel Credit after you make 7 United flight travel-related purchases, each totaling $100 or more, with your card
  • 5,000 anniversary bonus miles when you have the United Business card and a personal United credit card
  • Employee cards at no added cost
  • Earn 25 PQPs towards United status for every $500 you spend on your United Business card (up to 1,000 PQP in a calendar year).
  • Travel and purchase protections

Cons

  • Doesn’t earn transferable rewards
  • Other United cards are more rewarding for United purchases
  • Earn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.
  • Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.
  • Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.
  • Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.
  • Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.
  • $100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.
  • Member FDIC

Financial Snapshot

  • Foreign Transaction Fees: None

Card Categories

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

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

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 most frequent 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 Credit 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!

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

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

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

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.

Bank of America® Premium Rewards® 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 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- and 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

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

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 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

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.

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 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.

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 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, 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'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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