Best Visa Credit Cards – December 2022

If you are looking for a Visa-branded credit card specifically, these are some of the best Visa credit cards on the market:

Top 5 Visa Credit Cards

U.S. Bank Cash+® Visa Signature® CardWhy We Like It: 5% cash back in purchasing categories not often found in today’s market & an overall generous rewards formula. EARN: 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories you choose, as well as 5% cash back on prepaid air, hotel and car reservations booked directly in the US Bank Rewards Travel Center. In addition, earn 2% cash back on one everyday category, like Gas Stations/EV Charging Stations, Grocery Stores or Restaurants, and 1% cash back on all other eligible purchases. NEW CARDHOLDER BONUS OPPORTUNITY: $200 bonus after spending $1,000 in eligible purchases within the first 120 days of account opening.

 

Chase Freedom Unlimited®Why We Like It: Good cash-back on everyday categories, and a nice “catch all” reward rate on other purchases, with no annual fee. Earn 5% on travel purchased through Chase Ultimate Rewards, 3% on dining at restaurants (including takeout and eligible delivery services), 3% on drugstore purchases, and 1.5% on all other purchases. INTRO OFFER FOR NEW CARDHOLDERS: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). Could be worth up to $300 cash back 👀

 

U.S. Bank Altitude® Go Visa Signature® Card – Why We Like It: Perhaps the best dining rewards credit card on the market, plus strong rewards at grocery stores, gas stations/EV stations, and other everyday purchasing categories. Earn: 4 points per dollar on dining, takeout and restaurant delivery purchases, 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations, 1X point on all other eligible purchases. NEW CARDHOLDER BONUS OPPORTUNITY: Earn 20,000 bonus points after you spend at least $1,000 in the first 90 days after opening your account — a $200 value redeemable for cash back as well as travel rewards, gift cards and more.

 

Chase Sapphire Preferred® – This $95 annual fee card recently beefed up its rewards (including 3 points per dollar on dining purchases and 5x/10x on most travel when booked through Chase’s travel portal), making it attractive as an everyday credit card. It’s maybe even more attractive, though, as the foundation to a larger strategy of obtaining multiple Chase cards and combining points to redeem at a 25% premium through Chase’s travel booking site or to get access to Chase travel transfer partners including United, Southwest, Hyatt, Marriott and more.

NEW CARDHOLDER BONUS OPPORTUNITY: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (Worth $750 in travel when redeemed through Chase Ultimate Rewards®.)

 

Capital One Venture X Rewards Credit Card – Why We Like It: Offers the desirable features of more expensive travel cards, but strips away the fluff to keep the annual fee reasonable. That annual fee is $395, but you can get up to $300 in travel credits when you book through Capital One Travel, and there is an Early Spend Bonus of 75,000 miles once you spend $4,000 on purchases within the first 3 months from account opening. The Anniversary Miles Bonus kicks in starting on your first anniversary, with 10,000 bonus miles (equal to $100 towards travel).

In terms of rewards on everyday purchases, earn unlimited 10 miles per dollar in purchases on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel, plus unlimited 2X miles on all other purchases. And don’t forget airport lounge access through the Priority Pass network & the new Capital One Lounges, plus quite a bit more.

Rest of the Best

More Great Visa Credit Cards for Travel:

Chase Sapphire Reserve® – Why We Like It: Despite a $550 annual fee, a frequent traveler can often find the value to justify that fee, including yearly travel reimbursements of up to $300, airport lounge access, good travel insurances, a 50% boost in reward point value when booking travel through Chase Ultimate Rewards, and a great list of travel transfer partners, allowing you to transfer points into the loyalty programs of Southwest, United, Hyatt, JetBlue, Marriott, and a number of international airlines. NEW CARDHOLDER BONUS OPPORTUNITY: 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 Ultimate Rewards®.

In terms of everyday rewards, each year after you’ve exhausted the yearly $300 annual travel credit, you’ll earn 5 points per dollar on flights purchased through Chase Ultimate Rewards, 10x points on hotels and car rentals through Chase Ultimate Rewards, and 3x points on other travel. Also, you’ll earn 3x points on dining right from the start, including restaurants, eligible delivery services, and takeout (and earn 10x if dining reserved through Chase Dining), and 1 point per dollar on all other purchases.

 

Capital One Venture Rewards Credit Card – EARLY SPEND BONUS: Earn 75,000 bonus miles once you spend $4,000 on purchases with the card within the first 3 months from account opening.

Other Reasons To Like This Card:  Earn unlimited 2 miles per dollar on every purchase (but 5 miles per dollar on hotels and rental cars booked through Capital One Travel), and use those miles to pay for travel or even transfer them into the loyalty programs of Capital One travel partners. Other perks include a credit toward your Global Entry or TSA PreCheck application (up to $100 when paid with the card), Hertz Five Star status, no foreign transaction fees on purchases outside of the United States and more. $95 annual fee.

 

Marriott Bonvoy Boundless® Credit CardNEW CARDHOLDER WELCOME BONUS OPPORTUNITY: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases in your first 3 months from account opening.

Other Reasons To Like This Card: Earn 6X points for every $1 spent at participating Marriott Bonvoy hotels with the card, which is on top of the up to 10 points per dollar you’ll already earn for being a Marriott Bonvoy member. You’ll also earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining — and 2X points for every $1 you spend on all other purchases, and your points don’t expire as long as you make purchases on your credit card every 24 months. PLUS you’ll earn a Free Night Award every year after your account anniversary, valid for a one night hotel stay at a property with a redemption level up to 35,000 points.

 

Best Visa Credit Cards for Fair Credit or Bad Credit:

Mission Lane Cash Back Visa® Credit Card – Mission Lane specializes in credit cards for people who are still building toward excellent credit. If you’re in that fair credit/average credit zone, this card has no annual fee and offers rewards of up to 1.5% cash back. You’ll get an instant decision on your application, and you could qualify for a higher credit line after making your first 6 payments on time.

The good news: You can see what Mission Lane would offer you by pre-qualifying on their website with NO HARD PULL on your credit report. If you like the terms, you can go ahead and complete a firm application, which would then result in a hard pull.

Worried that your application could still be denied after being pre-qualified? Mission Lane says: “The only way to be declined after you’re pre-qualified is if we can’t verify your identity or income with the information you’ve provided. If you’re pre-qualified, you’ll be approved as long as we can verify the information you’ve filled out on your prequalification form.”

 

The Mission Lane Visa® Credit Card – This Mission Lane Visa is more for those with bad credit who are just getting back on their feet. Card terms vary, with the possibility of a $0 annual fee up to a $59 annual fee, depending on your credit history. You’ll get an instant decision on your application, and you could qualify for a higher credit line after making your first 6 payments on time.

Same as the Mission Lane Cash Back Visa above, this card lets you see what Mission Lane would offer you by inviting you to pre-qualify on their website with NO HARD PULL on your credit report. If you like the terms, you can go ahead and complete a firm application, which would then result in a hard pull. And if you’re worried that your application could still be denied after being pre-qualified, Mission Lane says: “The only way to be declined after you’re pre-qualified is if we can’t verify your identity or income with the information you’ve provided. If you’re pre-qualified, you’ll be approved as long as we can verify the information you’ve filled out on your prequalification form.”

 

Petal® 1 “No Annual Fee” Visa® Credit Card – This up-and-coming credit card company may have a no-annual-fee credit card for you even with bad credit. Your credit limit might start a little lower, but your first credit line increase could come as soon as 6 months after approval. No guarantees, but Petal does offer a pre-approval process to give you an idea if you’re likely to qualify for the card. Petal credit cards are issued by WebBank, Member FDIC.

 

Petal® 2 “Cash Back, No Fees” Visa® Credit Card – This no-annual-credit card with no foreign transaction fees is targeted at people who are new (or newer) to credit. In addition to its lack of fees, which makes it an ideal credit building card, is the fact that it starts you off with 1% cash back on all purchases, but boosts that cash-back rate to 1.5% after you make 12 on-time monthly payments. You can also see if you’re pre-approved within minutes without impacting your credit score.

 

Best 0% APR Visa Credit Card:

U.S. Bank Visa® Platinum Card0% APR Offer: 0% introductory APR on purchases for the first 18 billing cycles. After that, 18.24% to 28.24% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate. No annual fee.

Best Visa Credit Cards for Small Business:

Ink Business Cash® Credit CardWhy We Like It: High reward opportunities (as high as 5%) on common small business categories, big new cardholder bonus opportunity, and no annual fee.

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.

NEW CARDHOLDER BONUS OPPORTUNITY: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

 

Ink Business Unlimited® Credit CardWhy We Like It: Simple rewards formula with no annual fee, big bonus opportunity for new cardholders. EARN: 1.5% cash back on all purchases with the card. NEW CARDHOLDER BONUS OPPORTUNITY: Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months after account opening.

 

Best Visa Credit Cards from Major Retailers:

Verizon Visa Card – If you are a Verizon customer, this credit card deserves a serious look. Earn Verizon Dollars at generous multiples on everyday purchases, and redeem toward your Verizon bill or the purchase of Verizon phones & other products. (You can redeem toward travel or gift cards, too.) EARN: 4% on grocery store purchases, 4% on gas purchases, 3% on dining purchases (including takeout), 2% on Verizon purchases, and 1% everywhere else. BONUS OPPORTUNITY: Get a $100 statement credit applied to your credit card bill once you’ve made your first purchase using the card within the first 90 days. No annual fee & no foreign transaction fee.

 

Costco Anywhere Visa® Card by CitiWhy We Like It: Costco members earn 4% cash back on eligible gas worldwide, including gas at Costco, and EV charging purchases for the first $7,000 per year (1% on gas purchases beyond $7000/year), PLUS 3% cash back on restaurant purchases worldwide, PLUS 3% cash back on eligible travel purchases worldwide, PLUS 2% cash back on all other purchases from Costco and Costco.com, and then 1% on any other purchases. If you’re already paying to be a Costco member, it’s a no-brainer to get the Costco cash back credit card. (There’s no annual fee for the card itself, and it’s only available to Costco members.)

 

The Amazon Rewards Visa Signature & Amazon Prime Rewards Visa Signature – Regular Amazon.com buyers will appreciate Amazon’s cash back credit card, especially if you are an Amazon Prime member. Amazon Prime members earn 5% on Amazon and Whole Foods purchases, 2% at restaurants, 2% at gas stations, 2% at drugstores, and 1% on all other purchases. If you’re not an Amazon Prime member, you’d get 3% in rewards at Amazon & Whole Foods instead of 5%. (All the other categories would be the same.) Rewards can be redeemed as cash back or used for future Amazon purchases, with other reward options, too. New Cardholder Bonus: Amazon Prime members get a $150 Amazon gift card loaded into your Amazon account when you are approved. Non-Prime cardholders get a $60 gift card once approved. (NOTE: As an Amazon Associate, we earn from qualifying purchases.)


Author: Adam Jusko


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