The 8 Best Visa Credit Cards in July 2024
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Top Picks (Quick Summary)
Card Summary of Our Favorite Cards in Each Category
Credit Card | Welcome Bonus | Annual Fee | Best For |
| Chase Sapphire Preferred® |
|
| Travel |
| Capital One Venture X Rewards Credit Card |
|
| Travel |
| Chase Freedom Unlimited® |
|
| Cash-back |
| Ink Business Preferred® Credit Card |
|
| Business |
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 3 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 (Best Overall Value, Best Sub-$100 Annual Fee Card)
A fantastic travel card with a great 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.
- 5x points on all travel booked via the Chase Travel portal
- 5x points on select Peloton purchases over $150 (through March 31, 2025)
- 5x points on Lyft purchases (through March 31, 2025)
- $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 Travel℠.
- Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
- Member FDIC
- APR: 21.49%-28.49% Variable
- Foreign Transaction Fees: None
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
- Earns Ultimate Rewards points that can be redeemed for travel at 1.25 cents per point or transferred to airline/hotel 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®
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.
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!
- 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
- 10x points on Lyft purchases March 31, 2025
- 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
- $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 Travel℠.
- $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
- Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
- Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
- 1:1 point transfer to leading airline and hotel loyalty programs
- Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $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
- APR: 22.49%-29.49% Variable
- Foreign Transaction Fees: None
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.
- Access to over 1,300 airport lounges worldwide with complimentary Priority Pass Select membership
- 10x earnings on Lyft rides through March 2025
- Global Entry, NEXUS, or TSA PreCheck statement credit
- Earns Ultimate Rewards that can be redeemed for travel at 1.5 cents per point or transferred to airline/hotel partners for greater potential value
- DoorDash DashPass (simply activate by December 31, 2024)
- Primary collision damage waiver car rental insurance
- Emergency medical evacuation coverage
- Trip interruption, trip cancellation, and trip delay coverage
- Baggage insurance
- Purchase protection and extended warranty
3. Capital One Venture X Rewards Card (Best for Priority Pass Lounges)
Terms Apply / Rates & FeesThe Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
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.
- 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
- $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®
- APR: 19.99% - 29.99% (Variable)
- Foreign Transaction Fees: None
The card fits nicely into the travel rewards card neighborhood with lots of ways to earn Capital One miles, value at redemption time, and several useful benefits and protections.
Here is just a sampling of the key benefits you’ll find on the card:
- $300 annual credit for travel purchased via Capital One Travel
- Redeem miles for a statement credit against previous travel purchases
- Miles transfer at a 1:1 ratio to almost all of Capital One’s travel loyalty program partners
- Travel protections like: extended warranty protection, trip cancellation and interruption protection, return protection, baggage delay reimbursement, and trip delay reimbursement.
The 2 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® (No Annual Fee, LOW Intro APR)
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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.
- 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 Travel℠
- 3% back on dining and drugstore purchases
- 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 Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
- After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
- No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
- Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 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, alerts, and more.
- Member FDIC
- APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
- Foreign Transaction Fees: 3% of each transaction in U.S. dollars
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. U.S. Bank Cash+® Visa Signature® Card (No Annual Fee, Excellent Bonus Categories)
This card was made for those looking to maximize and rotate their cash-back rewards across a large range of regular expenses.
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.
- 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
- 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 19.49 – 29.74%
- No Annual Fee
- Terms and conditions apply.
- APR: 0% Intro APR on purchases and balance transfers for the first 15 billing cycles. After that, 19.49% - 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
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 (Best Overall Business 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.
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.
- 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
- No elite travel benefits like airport lounge access
- Earn 120k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,200 cash back or $1,500 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
- APR: 21.24%-26.24% Variable
- Foreign Transaction Fees: None
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 (No Annual Fee, LOW Intro APR)
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.
- 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
- 10% Business Relationship Bonus if you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- Spending caps in bonus categories
- Low points earning outside of bonus categories
- Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after 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
- 10% Business Relationship Bonus If you have the Ink Business Cash card plus a Chase Business Checking account on your first card anniversary
- 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
- 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
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 (No Annual Fee, LOW Intro APR)
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.
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
- 1.5% cash-back on all purchases
- No annual fee
- 0% intro APR on purchases for 12 months; variable 18.49% - 24.49% thereafter
- 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
- 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
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
For Hertz benefits of Capital One products, enrollment is 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 U.S. Bank Cash+® Visa Signature® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.