Best Visa Credit Cards of November 2019

The best Visa credit cards link the largest card network to the biggest banks.

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The best Visa credit cards can help you build credit, earn rewards, save on interest costs, and pay business expenses, depending on which one you choose. Visa is the largest payment network in the world, and its cards are issued by most major banks, so choosing can be a challenge. Low APRs, hefty sign-up offers, valuable rewards, and few fees are some of the card qualities we prioritize when evaluating all credit cards, and our list of the best Visa cards accounts for all that and more.

Best Visa Credit Cards

Capital One® Quicksilver® Cash Rewards Credit Card

Best Overall

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Best for Cash-Back Rewards

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Best With No Annual Fee

Our Rating Among Visa Cards
4.8
Capital One® Quicksilver® Cash Rewards Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 25.74% variable
Annual Fee $0
Rewards Earning Rate 1.5% cash back on every purchase, every day.
INTRO PURCHASE APR 0% for 15 Months
Foreign transaction fee (%) 0%

Why We Chose This Card

This straightforward card is perfect for everyday use thanks to several award-winning qualities. You get unlimited 1.5% cash back on every purchase, which can be redeemed at any time, for any amount. The sign-up bonus is easy to earn, too. New cardholders have more than a year to make interest-free purchases and balance transfers. Oh, and there’s no annual fee. It’s the top overall Visa card, and the best one for cash-back rewards and financing large purchases.

Capital One® VentureOne® Rewards Credit Card

Best for Cost-Conscious Travelers

Our Rating Among Visa Cards
4.7
Capital One® VentureOne® Rewards Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 13.74% - 23.74% variable
Annual Fee $0
Rewards Earning Rate Earn 1.25 miles per dollar on every purchase.
INTRO PURCHASE APR 0% for 12 Months
Foreign transaction fee (%) 0%

Why We Chose This Card

You can use this card to travel the world year after year without extra costs. There’s no annual or foreign transaction fee. This card also offers a consistent miles-earning rate on each purchase and an option to transfer miles to several airline frequent flier programs, which makes it a stand-out Visa card among other no-annual fee travel card offers.

Chase Sapphire Preferred® Card

Best Sign-Up Bonus

Our Rating Among Visa Cards
4.6
Chase Sapphire Preferred® Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.74% - 24.74% variable
Annual Fee $95
Rewards Earning Rate 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide
Foreign transaction fee (%) 0%

Why We Chose This Card

The Sapphire Preferred’s offer is the best among our top-ranking Visa cards, and makes up for the annual fee several times over. The 60,000-point sign-up bonus is worth up to $750 when redeemed for travel through the Chase Ultimate Rewards portal. Now, you must spend $4,000 within three months to earn those points, but open this card right before your next trip and you can easily meet the spending requirement while earning double points on your adventure expenses.

Chase Sapphire Reserve®

Best for Luxury Travelers

Our Rating Among Visa Cards
4.4
Chase Sapphire Reserve®
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 18.74% - 25.74% variable
Annual Fee $450
Rewards Earning Rate Earn 3x points on travel immediately after earning your $300 travel credit, 3X points on dining at restaurants, and 1 point per $1 spent on all other purchases.
Foreign transaction fee (%) 0%

Why We Chose This Card

This card has all sorts of bells and whistles, which makes it a top travel rewards card even outside the Visa card network. In addition to generous rewards, you’ll enjoy premium travel benefits such as airport lounge access, primary rental car insurance, and Global Entry/TSA Precheck application fee reimbursement. There’s a hefty annual fee, but for those who travel constantly and use the card benefits, it’s more than worth it.

Wells Fargo Cash Back College℠

Best for Students

Our Rating Among Visa Cards
4.3
Wells Fargo Cash Back College℠
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Poor - Excellent
Regular APR (%) 12.65% - 22.65% variable
Annual Fee $0
INTRO PURCHASE APR 0% for 6 Months
Rewards Earning Rate 3% cash rewards earned for up to $2,500 spent on gas, grocery, and drugstore purchases for the first 6 months. 1% cash rewards for each $1 spent on virtually all other purchases with your card.
Foreign transaction fee (%) 3%

Why We Chose This Card

We love that students can earn cash-back rewards on everyday purchases like gas and groceries with this card, and they’ll also get a 0% introductory purchase APR for six months, which makes this a competitive student card offer overall. Access to several resources, like free FICO credit scores and Wells Fargo’s credit education hub, make this a solid tool for building credit, too.

Ink Business Preferred℠ Credit Card

Best for Businesses

Our Rating Among Visa Cards
4.1
Ink Business Preferred℠ Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.74% - 22.74% variable
Annual Fee $95
Rewards Earning Rate 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.
Cash Advance APR (%) 26.74%
Cash Advance Fee Either $15 or 5% of the amount of each transfer, whichever is greater.

Why We Chose This Card

This card offers a competitive sign-up bonus and earns points on a wide range of business expenses. The Chase Ultimate Rewards points are easy to redeem (and are worth more when redeemed through Chase for travel), and business owners can take advantage of the card's expense management tools, cellphone protection, and travel insurance. All this make the card well worth the annual fee.

Chase Slate®

Best for Balance Transfers

Our Rating Among Visa Cards
4.1
Chase Slate®
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Fair - Excellent
Regular APR (%) 16.74% - 25.49% variable
Annual Fee $0
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
INTRO BALANCE TRANSFER APR 0% for 15 Months
Intro Balance Transfer Fee There is an introductory fee of $0 during the first 60 days your account is open.

Why We Chose This Card

This is a top balance transfer card overall, let alone among Visa cards. Not only do new cardholders will get 15 months to pay off transfers interest-free, but transfers made within 60 days of opening an account won’t be charged a balance transfer fee. That’s an extremely rare (and good) cost-saving offer that makes this card worth a look if you’re trying to pay off pricey debt.

PenFed Platinum Rewards Visa Signature® Card

Best With a Low Ongoing APR

Our Rating Among Visa Cards
4.0
PenFed Platinum Rewards Visa Signature® Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Excellent
Regular APR (%) 11.74% - 17.99% variable
Annual Fee $0
Rewards Earning Rate Earn 5x back at gas stations, 3x back on groceries, and 1x back on all other purchases.
Foreign transaction fee (%) 0%

Why We Chose This Card

For a rewards card with no annual fee, the PenFed Platinum Rewards Visa Signature Card has a very reasonable interest rate. Even the high end of the variable APR range is less than the average for all cash-back cards we survey. Carrying a balance is never a good idea, but if having a low-interest card gives you that “just in case” peace of mind, this is a good Visa option. Before you apply for this card, you'll need to become a PenFed Credit Union member (you can open a savings account with as little as $5).

Wells Fargo Platinum Card

Best for Financing Large Purchases

Our Rating Among Visa Cards
4.0
Wells Fargo Platinum Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 16.99% - 26.49% variable
Annual Fee $0
Balance Transfer Fee 5% for each balance transfer, with a minimum of $5.
INTRO BALANCE TRANSFER APR 0% for 18 Months
Intro Balance Transfer Fee Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening.

It may be a simple card with no rewards, but the Wells Fargo Platinum Visa Card is the best Visa card for financing a big purchase or two. After opening this card, you’ll get 18 months to pay down your purchases under the promotional APR of 0%. Just make sure that whatever you charge to this card during that time is something you can actually pay off in that period, because after that, interest charges could quickly wipe out this card’s value.

Is Visa a Card Issuer?

No. Visa doesn’t actually issue or manage credit card accounts like banks and credit unions do. Visa is a card network, which means it dictates where the cards can be used and it helps connect merchants and card-issuing banks for payment processing. Card networks like Visa also support a number of the benefits offered on their cards, such as travel insurance and emergency card replacement (more on this below).

Does the Credit Card Network Matter?

Sometimes. Acceptance of the network’s cards may vary depending on where you use the card. For example, while there are four major payment networks (Visa, Mastercard, American Express, and Discover), small local stores may only accept card payments from a couple of those networks. American Express and Discover network acceptance is also limited outside the U.S.

However, Visa is one of the most widely accepted payment networks both in the U.S. and internationally, so while you should never open a credit card just because of the payment network, having a Visa is never a bad idea. 

Visa credit card statistics

  • Visa cards are accepted in more than 200 countries and territories
  • Nearly 54 million merchants accept Visa cards worldwide
  • Visa cards generated $165.3 billion of purchases worldwide in 2018—far more than any other network
  • Visa credit cards were used for more than half (57.30%) of all U.S. credit card transactions in the first quarter of 2018

Common Visa Credit Card Benefits

In addition to determining payment card acceptance, payment networks also support some credit card benefits. Visa consumer cards have three levels of benefits: Traditional, Signature, and Infinite. Signature and Infinite benefits are typically offered on premium credit cards, so you’ll need good credit to access them. Visa business cards have two tiers: Business and Signature Business.

Important

Benefit terms and coverage limits will vary among cards and issuers, so refer to your card’s benefits guide or contact the issuer to learn more. 

The benefit line-up of each Visa card will vary depending on the card program and issuer, but overall, Visa benefits may include:

  • Insurance for stolen or damaged purchases
  • Insurance coverage for trip cancellation, interruption, or delay
  • Insurance coverage for lost luggage
  • Travel accident insurance
  • Rental car collision insurance
  • Extended warranties
  • Emergency card replacement
  • Emergency cash disbursement
  • Travel and emergency hotline 
  • Emergency medical and transportation assistance
  • Roadside assistance hotline 

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

The Balance editorial team curated this list following the same process used for our best overall card rankings, but focused just on Visa cards—more than 65 of them, actually. We excluded co-branded airline and hotel cards from this list.

What We Score

Rewards, annual fee, and regular APR are the most important things people consider when choosing a credit card, so we weigh those features most heavily. Beyond limiting this list to cards on the Visa network, we applied the same methodology we use to determine our best overall credit cards. For full details on how we evaluate credit card attributes, check out our full methodology.