How to choose the best Visa card for you

By
Summer Hull
and
Christina Ly
Editor
Nick Ewen
Updated
Dec 07, 2022
This page is a marketplace where our partners can highlight their current card offers. The reviews and insights represented are editorial, but the order in which cards appear on the page may be influenced by compensation we may receive from our partners.

Visa is the largest payment network in the world and they have some great credit cards to offer. With that in mind, let’s take a look at the best Visa credit cards from our partners to have in your wallet.

Best for beginner travel benefits
TPG Editor's Rating tooltip icon
4.5/5
2 - 5X points
details
  • 5x 5x on travel purchased through Chase Ultimate Rewards®
  • 3x 3x on dining.
  • 2x 2x on all other travel purchases, plus more.
60,000 points
details
Intro Offer tooltip icon
60,000 points
$95

Why We Chose It

The Chase Sapphire Preferred® Card is one of the most popular travel rewards credit card on the market. Offering an excellent return on travel and dining purchases, the card packs a ton of value that easily offsets its $95 annual fee. Cardholders can redeem points at 1.25 cents each for travel booked through Chase or transfer points to one of Chase’s 14 valuable airline and hotel partners. Read our full review of the Chase Sapphire Preferred.

Pros

  • You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 points per dollar on everything else.
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Cons

  • The card comes with a $95 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®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, 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.

Pros

  • You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 points per dollar on everything else.
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Cons

  • The card comes with a $95 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®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, 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.

Pros

  • You’ll earn 5 points per dollar on travel purchased through Chase Travel, 3 points per dollar on dining, select streaming services and online grocery store purchases, 2 points per dollar on all other travel and 1 points per dollar on everything else.
  • Premium travel protection benefits including trip cancellation insurance, primary car rental insurance and lost luggage insurance.

Cons

  • The card comes with a $95 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®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, 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.
Best for easy earning and redemptions
TPG Editor's Rating tooltip icon
4.5/5
2 - 5X points
details
  • 5X 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
  • 2X Earn unlimited 2X miles on every purchase, every day.
75,000 miles
details
Intro Offer tooltip icon
75,000 miles
$95

Why We Chose It

When it comes to simplicity and strong rewards, the Capital One Venture Rewards Credit Card is a solid choice for most travelers. You’ll earn earns 2 miles per dollar on every purchase with no bonus categories to memorize, making it an ideal card for those with busy lives. Read our full review of the Capital One Venture Rewards Credit Card.

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, valued by TPG at $1,388
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • 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
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, valued by TPG at $1,388
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • 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
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs

Pros

  • This flexible rewards card delivers a solid sign-up bonus of 75,000 miles, valued by TPG at $1,388
  • You'll earn 2 miles per dollar on every purchase, which means you won't have to worry about memorizing bonus categories
  • Rewards earned are versatile as they can be redeemed for any hotel or airline purchase for a statement credit or transferred to 15+ travel partners

Cons

  • Transfer ratios to most partners are mediocre at less than 1:1 ratio
  • Capital One airline partners do not include any large U.S. airlines
  • 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
  • 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®
  • Enjoy two complimentary visits per year to Capital One Lounges or to 100+ Plaza Premium Lounges through our Partner Lounge Network
  • 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
  • Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
  • Transfer your miles to your choice of 15+ travel loyalty programs
Best for premium travelers and restaurant-goers
TPG Editor's Rating tooltip icon
4.5/5
1 - 10X points
details
  • 10x Earn 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
  • 5x Earn 5x total points on flights through Chase Ultimate Rewards®.
  • 3x Earn 3x points on other travel and dining.
  • 1x Earn 1 point per $1 spent on all other purchases
60,000 points
details
Intro Offer tooltip icon
60,000 points
$550

Why We Chose It

The Chase Sapphire Reserve is one of our top premium travel cards. With a $300 travel credit, generous points on dining and travel purchases and other benefits, you can get excellent value that far exceeds the annual fee on the card. Read our full review of the Chase Sapphire Reserve.

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Ultimate Rewards portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards

Cons

  • Steep initial $550 annual fee
  • May not make sense for people that don't travel frequently
  • 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®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. 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

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Ultimate Rewards portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards

Cons

  • Steep initial $550 annual fee
  • May not make sense for people that don't travel frequently
  • 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®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. 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

Pros

  • $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year
  • Access to Chase Ultimate Rewards hotel and airline travel partners
  • 10 points per dollar on hotels, car rentals and Chase Dining purchases through the Ultimate Rewards portal, 5 points per dollar on flights booked through the Ultimate Rewards portal, 3 points per dollar on all other travel and dining, 1 point per dollar on everything else
  • 50% more value when you redeem your points for travel directly through Chase Ultimate Rewards

Cons

  • Steep initial $550 annual fee
  • May not make sense for people that don't travel frequently
  • 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®
  • $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 Ultimate Rewards® 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 Ultimate Rewards®. 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
TPG Editor's Rating tooltip icon
4/5
1.5% cash-back
details
  • 1.5% Earn unlimited 1.5% cash back on every purchase made for your business
$900
details
Intro Offer tooltip icon
$900
$0

Why We Chose It

The Ink Business Unlimited’ s sign-up bonus gives you a generous $900 cash back spending $6,000 on purchases in the first three months from account opening plus unlimited 1.5% cash back on every business purchase. It fills in rewards gaps not covered by the Ink Business Cash Credit Card and the Ink Business Preferred Credit Card. You can maximize this card by pairing it with cards including the Chase Sapphire Reserve, the Chase Sapphire Preferred and the Ink Business Preferred. Read our full review of the Ink Business Unlimited Credit Card.

Pros

  • No annual fee.
  • A generous $900 cash-back sign-up bonus.

Cons

  • High spend to receive sign-up bonus.
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • Best Offer Ever: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • No annual fee.
  • A generous $900 cash-back sign-up bonus.

Cons

  • High spend to receive sign-up bonus.
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • Best Offer Ever: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • No annual fee.
  • A generous $900 cash-back sign-up bonus.

Cons

  • High spend to receive sign-up bonus.
  • No conversion to Chase points without holding the Chase Sapphire Reserve, Chase Sapphire Preferred or Ink Business Preferred
  • Best Offer Ever: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
TPG Editor's Rating tooltip icon
4.5/5
1 - 3X points
details
  • 3X Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • 1X Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
100,000 points
details
Intro Offer tooltip icon
100,000 points
$95

Why We Chose It

The Ink Business Preferred Credit Card’s sign-up bonus is among the highest we’ve seen from Chase. Plus earn points across the four bonus categories (travel, shipping, advertising and telecommunication providers) that are most popular with businesses. The card comes with travel protections, shopping protections and will also have primary coverage when renting a car for business purposes for you and your employees. Read our full review of the Ink Business Preferred.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee
  • Bonus categories that are most relevant to business owners; primary car insurance
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee
  • Bonus categories that are most relevant to business owners; primary car insurance
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.

Pros

  • One of the highest sign-up bonuses we’ve seen — 100,000 bonus points after $15,000 worth of spend in the first three months after card opening
  • Access to the Chase Ultimate Rewards portal for points redemption
  • Reasonable $95 annual fee
  • Bonus categories that are most relevant to business owners; primary car insurance
  • Perks including cellphone and purchase protection; extended warranty; trip cancellation/interruption insurance; trip delay reimbursement;

Cons

  • High spending needed to get 100,000-point sign-up bonus
  • No travel perks
  • Subject to Chase's 5/24 rule on card applications
  • Earn 100k bonus points after you spend $15,000 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 Ultimate Rewards®
  • 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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 Ultimate Rewards®
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Best for nonbonus spending (and drugstores, dining and Chase Travel)
TPG Editor's Rating tooltip icon
4/5
1.5 - 5% cash-back
details
  • 5% Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% 1.5% on all other purchases
Earn an Additional 1.5% Cash Back
details
Intro Offer tooltip icon
Earn an Additional 1.5% Cash Back
$0

Why We Chose It

The Chase Freedom Unlimited is a surprisingly powerful card that earns at least 1.5% back on everything. However, it becomes a standout card if you pair it with a card that earns transferable Ultimate Rewards points, doubling their potential value. Read our full review of the Chase Freedom Unlimited.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 18.74% - 27.49%.
  • 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, real-time alerts, and more.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 18.74% - 27.49%.
  • 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, real-time alerts, and more.

Pros

  • At least 1.5% back on every purchase, with up to 3% back on select categories
  • There is no annual fee
  • Perfect for everyday, non-bonused spending
  • Incredible value when paired with a premium Chase card

Cons

  • There is a 3% foreign transaction fee so the card shouldn't be used abroad
  • Limited card perks and benefits
  • 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 Ultimate Rewards®, 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 Chase travel purchased through Ultimate Rewards®, 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 18.74% - 27.49%.
  • 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, real-time alerts, and more.
BEST FOR OFFICE SUPPLIES
TPG Editor's Rating tooltip icon
4/5
1 - 5% cash-back
details
  • 5% 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
  • 2% Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • 1% Earn 1% cash back on all other card purchases with no limit to the amount you can earn
$900
details
Intro Offer tooltip icon
$900
$0

Why We Chose It

The Chase Ink Business Cash is an excellent no annual fee card for small business owners. Cardholders can earn 5% cash back on office supplies and select utilities, as well as 2% cash back at restaurants and gas stations. Read our full review of the Chase Ink Business Cash card

Pros

  • The current sign-up bonus on this card is an impressive $900. TPG values it at $1,800, not including any points you may earn from the valuable bonus categories.
  • There is no annual fee which is perfect for small business owners.
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.

Cons

  • 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
  • Best Offer Ever: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • The current sign-up bonus on this card is an impressive $900. TPG values it at $1,800, not including any points you may earn from the valuable bonus categories.
  • There is no annual fee which is perfect for small business owners.
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.

Cons

  • 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
  • Best Offer Ever: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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

Pros

  • The current sign-up bonus on this card is an impressive $900. TPG values it at $1,800, not including any points you may earn from the valuable bonus categories.
  • There is no annual fee which is perfect for small business owners.
  • You’ll earn 5% at office supply stores and on common monthly bills such as internet, cable and phone services. Plus, you’ll earn 2% cash back at gas stations and restaurants each account anniversary year.

Cons

  • 5% cash back earned on certain categories is capped at the first $25,000 you make in combined purchases each account anniversary year.
  • Best Offer Ever: Earn $900 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
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • 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
Best for Bank of America members
TPG Editor's Rating tooltip icon
3.5/5
1.5 - 2X points
details
  • 2X Earn unlimited 2 points for every $1 spent on travel and dining purchases
  • 1.5X Unlimited 1.5 points per $1 spent on all other purchases
50,000 points
details
Intro Offer tooltip icon
50,000 points
$95

Why We Chose It

The Bank of America Premium Rewards card is great for using the points earned for rewards that normal airline miles or credit card points can’t cover. Bank of America Preferred Rewards members get a 25%-75% rewards bonus on every purchase. New cardmembers earn a 50,000-point sign-up bonus after spending $3,000 in the first 90 days of account opening. Read our full review of the Bank of America Premium Rewards card.

Pros

  • This card is more valuable for Bank of America Preferred Rewards members, who can get between a 25% and 75% bonus on points earned
  • Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
  • Can transfer points earned into a 529 college fund

Cons

  • Other cards offer higher points for key bonus categories
  • Must open a Bank of America account to get the best value for points
  • 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.

Pros

  • This card is more valuable for Bank of America Preferred Rewards members, who can get between a 25% and 75% bonus on points earned
  • Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
  • Can transfer points earned into a 529 college fund

Cons

  • Other cards offer higher points for key bonus categories
  • Must open a Bank of America account to get the best value for points
  • 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.

Pros

  • This card is more valuable for Bank of America Preferred Rewards members, who can get between a 25% and 75% bonus on points earned
  • Comes with up to $100 in airline incidental statement credits annually and up to $100 Global Entry/TSA PreCheck® statement credit and travel protections
  • Can transfer points earned into a 529 college fund

Cons

  • Other cards offer higher points for key bonus categories
  • Must open a Bank of America account to get the best value for points
  • 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.
Best for Alaska Airlines flyers
TPG Editor's Rating tooltip icon
4/5
1 - 3X points
details
  • 3X Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
  • 1X Unlimited 1 mile for every $1 spent on all other purchases.
Limited Time Online Offer - 50,000 Bonus Miles
details
Intro Offer tooltip icon
Limited Time Online Offer - 50,000 Bonus Miles
$75

Why We Chose It

There’s a lot to love about the Alaska Airlines Visa Signature credit card, in part due to its highly valuable loyalty program: Alaska Airlines MileagePlan. Whether you’re a loyal Alaska flyer or a points maximizer looking to diversify your rewards portfolio, this card has a lot to offer. For starters, you’ll receive Alaska’s Famous Companion Pass each year from $121 ($99 fare plus taxes and fees from $22), free checked bags for you and up to six guests on your itinerary, 20% back on in-flight purchases and more. Plus, Alaska has joined the oneworld alliance, opening up endless redemption opportunities. Read our full review of the Alaska Airlines Visa Signature credit card.

Pros

  • Free checked bag for you and up to six guests on your reservation
  • Alaska discounts, including 20% back on in-flight purchases
  • No foreign transaction fees

Cons

  • $75 annual fee
  • Not the best everyday rewards rate, as you'll earn 3x miles on Alaska purchases and 1x on everything else
  • Limited Time Online Offer – 50,000 Bonus Miles!
  • Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
  • Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare which allows you to book a companion flight from $121 ($99 fare plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.
  • Free checked bag for you and up to 6 guests on the same reservation – that's a savings of $60 per person roundtrip!
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don’t expire on active accounts.
  • With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
  • Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
  • Plus, no foreign transaction fees and a low $75 annual fee.
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

  • Free checked bag for you and up to six guests on your reservation
  • Alaska discounts, including 20% back on in-flight purchases
  • No foreign transaction fees

Cons

  • $75 annual fee
  • Not the best everyday rewards rate, as you'll earn 3x miles on Alaska purchases and 1x on everything else
  • Limited Time Online Offer – 50,000 Bonus Miles!
  • Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
  • Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare which allows you to book a companion flight from $121 ($99 fare plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.
  • Free checked bag for you and up to 6 guests on the same reservation – that's a savings of $60 per person roundtrip!
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don’t expire on active accounts.
  • With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
  • Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
  • Plus, no foreign transaction fees and a low $75 annual fee.
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.

Pros

  • Free checked bag for you and up to six guests on your reservation
  • Alaska discounts, including 20% back on in-flight purchases
  • No foreign transaction fees

Cons

  • $75 annual fee
  • Not the best everyday rewards rate, as you'll earn 3x miles on Alaska purchases and 1x on everything else
  • Limited Time Online Offer – 50,000 Bonus Miles!
  • Get 50,000 bonus miles plus Alaska's Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.
  • Alaska’s Famous Companion Fare™. Every year on your credit card account anniversary you’ll receive a companion fare which allows you to book a companion flight from $121 ($99 fare plus taxes and fees from $22). Valid on all Alaska Airlines flights booked on alaskaair.com.
  • Free checked bag for you and up to 6 guests on the same reservation – that's a savings of $60 per person roundtrip!
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases and unlimited 1 mile for every $1 spent on all other purchases. And, your miles don’t expire on active accounts.
  • With oneworld® Alliance member airlines and Alaska’s Global Partners, Alaska has expanded their global reach to over 1,000 destinations worldwide bringing more airline partners and more ways to earn and redeem miles.
  • Flexibility with no blackout dates on Alaska Airlines flights when booking with miles or a companion fare.
  • Plus, no foreign transaction fees and a low $75 annual fee.
  • This online only offer may not be available elsewhere if you leave this page. You can take advantage of this offer when you apply now.
Best low-cost card for Marriott guests
TPG Editor's Rating tooltip icon
4/5
2 - 17X points
details
  • 17X Earn up to 17X total points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 3X Earn 3X points per $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • 2X 2X points for every $1 spent on all other purchases.
Earn 3 Free Night Awards (each night valued up to 50,000 points)
details
Intro Offer tooltip icon
Earn 3 Free Night Awards (each night valued up to 50,000 points)
$95

Why We Chose It

The Marriott Bonvoy Boundless card is an entry-level card that can help travelers dip their toes into the Bonvoy program. The card is best for those who stay at Marriotts, but not enough to take full advantage of Marriott’s higher-tier cards. Read our full review of the Marriott Bonvoy Boundless.

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • Earn 3 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • Earn 3 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.

Pros

  • Annual free night certificate (up to 35,000 points) each cardmember anniversary
  • Automatic Silver elite status with pathway to Gold
  • 15 elite night credits annually to help earn mid or high tier Bonvoy status

Cons

  • There are better Marriott cards if you want higher tier status or no annual fee
  • Doesn't make sense if you don't stay at Marriott properties
  • Earn 3 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 over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card.
  • 2X points for every $1 spent on all other purchases.
  • Receive 15 Elite Night Credits annually, automatic Silver Elite Status each account anniversary year, and path to Gold Status when you spend $35,000 on purchases each calendar year.
  • No foreign transaction fees.

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Card Name

The best Visa credit cards of 2022

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Card Best for Welcome Offer/Sign Up Bonus Earning Rate Annual Fee
Chase Sapphire Preferred® Card Best for beginner travel benefits 60,000 points
  • 5x on travel purchased through Chase Ultimate Rewards®
  • 3x on dining.
  • 2x on all other travel purchases, plus more.
$95
Ink Business Preferred® Credit Card Best for business owners 100,000 points
  • 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 – with no limit to the amount you can earn
$95
Capital One Venture Rewards Credit Card Best for easy earning and redemptions 75,000 miles
  • 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
  • Earn unlimited 2X miles on every purchase, every day.
$95
Chase Freedom Unlimited® Best for nonbonus spending (and drugstores, dining and Chase Travel) Earn an Additional 1.5% Cash Back
  • Enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service
  • 1.5% on all other purchases
$0
Bank of America® Premium Rewards® credit card Best for Bank of America members 50,000 points
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases
  • Unlimited 1.5 points per $1 spent on all other purchases
$95
Alaska Airlines Visa Signature® credit card Best for Alaska Airlines flyers Limited Time Online Offer - 50,000 Bonus Miles
  • Earn unlimited 3 miles for every $1 spent on eligible Alaska Airlines purchases.
  • Unlimited 1 mile for every $1 spent on all other purchases.
$75

Details on the best Visa cards

Let’s take a deeper dive into each of these cards and see how they can fit into your wallet.

Chase Sapphire Preferred

Sign-up bonus: 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. 

Annual fee: $95.

Why you’ll love it: The Chase Sapphire Preferred is arguably the card that made travel points and miles what they are today and there are plenty of reasons why this Visa card should be the next addition to your wallet. The current offer is also one of the highest offers we’ve seen for this card in quite some time and is valued at $1,200 towards travel.

The card’s 3 points per dollar on dining and 2 points per dollar on the broad description of travel (including airlines, hotels, motels, timeshares, car rental agencies, cruise lines, travel agencies, discount travel sites, campgrounds, passenger trains, buses, taxis, limousines, ferries, toll bridges and highways, parking lots and garages) will help you pile up points quickly. Additionally, you can earn 5x total points on all travel purchased through Chase Ultimate Rewards, 3 points per dollar on select streaming services, 3 points per dollar on online grocery purchases (excluding Target, Walmart and wholesale clubs), 2 points per dollar on all other travel, 1 point per dollar on all other purchases

Chase Ultimate Rewards points are among the most valuable rewards available since you can get 25% more value on travel when you redeem your points directly through the Chase travel portal. You can also transfer your points to any of Chase’s 11 airline and three hotel transfer partners.

The Sapphire Preferred has no foreign transaction fees and offers valuable trip delay protectiontrip interruption and cancellation protectiondelayed baggage coverage and primary rental car insurance.

Check out our full card review for more details.

Related: 6 Chase Sapphire Preferred benefits you might not know about

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Official application link: Chase Sapphire Preferred

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Chase Sapphire Reserve

(Photo by The Points Guy)
(Photo by The Points Guy)

Sign-up bonus: 60,000 Ultimate Rewards points after you spend $4,000 on purchases in the first three months of account opening

Annual fee: $550.

Why you’ll love it: The Chase Sapphire Reserve continues to be one of the best credit cards for travelers. This Visa card’s $550 annual fee is offset by premium benefits — most notably a $300 annual travel credit (good for anything from Uber rides to plane tickets to hotels), bringing your actual out-of-pocket cost down to $250 a year. The Sapphire Reserve also offers 3 points per dollar on travel (excluding the $300 travel credit) and dining, which are both loosely defined to include spending on items such as public transit and meal delivery services. You’ll also earn 10x on Lyft through March 2025.

Other limited-time perks a full year of complimentary DashPass membership (must activate by December 31, 2024) and a complimentary year of Lyft Pink.

You get access to a concierge service and travel perks that include a Priority Pass Select membership and a Global Entry/TSA PreCheck application fee credit. The Sapphire Reserve also offers travel and car rental coverage similar to the Sapphire Preferred, although the terms are slightly different. Check out our guide to Chase Sapphire Preferred vs. Chase Sapphire Reserve: Which Credit Card to Get for a full comparison.

Check out our full card review to learn more.

Related: What credit score do you need to get the Chase Sapphire Reserve?

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Official application link: Chase Sapphire Reserve

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Ink Business Preferred Credit Card

Sign-up bonus: 100,000 bonus points after you spend $15,000 on purchases in the first three months of account opening.

Annual fee: $95.

Why you’ll love it: Although it’s not Chase’s most-premium card offering, the Ink Business Preferred has an excellent sign-up bonus and rewards categories that fit common small-business expenses. The card’s 100,000 Ultimate Rewards bonus points are worth a mind-boggling $2,000, based on TPG’s latest valuations.

This is also a great Visa card that business owners can use long-term. Your annual fee of $95 will get you access to free employee cards, no foreign transaction fees and cellphone insurance, as well as some strong business-friendly bonus categories, including 3 points per dollar for your first $150,000 each account anniversary year spent on travel, shipping, internet, cable, phone services, social media advertising and search engine advertising.

Check out our full card review to learn more.

Related: 5 reasons to get the Chase Ink Business Preferred credit card

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Official application link: Ink Business Preferred

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Capital One Venture Rewards Credit Card

(Photo by Isabelle Raphael/The Points Guy)
(Photo by Isabelle Raphael/The Points Guy)

Sign-up bonus: 75,000 bonus miles after you spend $4,000 on purchases within the first three months of account opening.

Annual fee: $95.

Why you’ll love it: With this great beginner travel card from Visa, you’ll earn 2x on every purchase. The Venture offers a simple way to earn and redeem your miles. You can either redeem them as a statement credit for 1 cent apiece for recent travel purchases made with your card or you can transfer miles earned from the Venture card to transfer partners

The Venture also offers a Global Entry or TSA PreCheck application fee credit (up to $100) — a feature many mid-tier travel cards do not have.

Check out our Capital One Venture card review.

Related: 5 reasons to get the Capital One Venture Rewards card

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Official application link: Capital One Venture

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Hotels.com® Rewards Visa® Credit Card

The information for the Hotels.com Rewards Visa has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer. 

Sign-up bonus: Earn three reward nights worth $375 total (max $125 per night)* with qualifying purchases. Earn two rewards nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first three months. Plus, earn another rewards night worth $125 when you spend $4,000 in total purchases within the first six months. *Excludes taxes and fees.

Annual fee: $0.

Why you’ll love it: Sure, you could apply for a hotel credit card with your preferred hotel chain, but that means you’re locked into that program. For pure flexibility, the Hotels.com credit card offers something unique — the opportunity to earn rewards nights based on eligible stays. Once you accrue 10 stamps, you’ll get one reward night — a pretty fantastic deal for a card with no annual fee or currency conversion fees.

Check out our full card review for more details.

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Chase Freedom Unlimited

Sign-up bonus: 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!

Annual fee: None.

Why you’ll love it: The Chase Freedom Unlimited is a versatile Visa card that can be used alone or paired with other cards.

You’ll earn an unlimited 1.5% cash back on purchases. As part of Chase’s latest rollout, the issuer recently added three higher-earning categories, allowing cardholders to boost their rewards on the following:

  • 5% back on travel purchased through Chase Ultimate Rewards.
  • 3% back on dining.
  • 3% back at drugstores.

However, since Chase lets you pool points between its credit cards if you also hold one of the first three cards on this list — a Chase Sapphire ReserveInk Business Preferred or Chase Sapphire Preferred — you can transfer your points from the Freedom Unlimited to these cards, turning them into full-fledged Ultimate Rewards points.

This means you can transfer them to Chase’s hotel or airline partners and potentially get much more than just 1 cent apiece. In fact, TPG values Ultimate Rewards points at 2 cents each; 1.5 points per dollar on purchases with the Freedom Unlimited multiplied by 2 cents gives you a consistent 3% return, making the card one of the most compelling cards for everyday spending even after the first year.

This makes a solid no-annual-fee card incredibly lucrative — and dare I say it, exciting.

Check out our full card review for all the details.

Related: Why Chase Sapphire Preferred and Freedom Unlimited is the perfect beginner combo

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Official application link: Chase Freedom Unlimited

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Alaska Airlines Visa Signature® credit card

Sign-up bonus: 50,000 bonus miles plus Alaska’s Famous Companion Fare™ from $121 ($99 fare plus taxes and fees from $22) with this offer. To qualify, make $2,000 or more in purchases within the first 90 days of opening your account.

Annual fee: $75.

Why you’ll love it: Alaska Mileage Plan miles are consistently ranked as the most valuable airline miles in TPG’s monthly valuations. Alaska offers generous routing rules, amazing alliance and non-alliance partners and almost laughably low award rates. However, Alaska miles are hard to earn outside of frequent sales and its transfer partnership with Marriott. Because of that, its Visa credit card can be a valuable tool in your points-and-miles strategy. However, it may become easier for cardholders since Alaska Airlines is joining the Oneworld alliance (hopefully later this year) and has re-upped its partnership with American Airlines.

The $75 annual fee is lower than most credit cards for airline miles and the included annual companion certificate can more than make up for the cost.

Related: Here’s why Alaska Airlines miles are the most valuable

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Official application link: Alaska Airlines Visa Signature® credit card

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Bank of America® Premium Rewards® credit card

Sign-up bonus: 50,000 points after you spend $3,000 in purchases in the first 90 days of account opening

Annual fee: $95.

Why you’ll love it: If you’re looking for cash back more than travel rewards, the Bank of America Premium Rewards card has the potential to be one of the most rewarding options for existing Bank of America members. In addition to a sign-up bonus worth $500 (as points are worth a fixed 1 cent each), this Visa card has a unique earning structure. You’ll earn 1.5x back on all purchases except for travel and dining, which earn 2x. That isn’t groundbreaking, but certain Bank of America customers are eligible for higher bonus rates.

If you have an eligible Bank of America checking account and a three-month average combined balance of $20,000 or more in Bank of America and eligible Merrill investment accounts, you can sign up for the Bank of America Preferred Rewards program. This will increase your earnings on the Premium Rewards card by an amount based on your account balance:

Spend Categories Tier 1 – Gold ($20,000 – $50,000) Tier 2 – Platinum ($50,000 – $100,000) Tier 3 – Platinum Honors ($100,000+)
Travel/Dining Earnings 2.5 points per dollar 3 points per dollar 3.5 points per dollar
Other Earnings 1.875 points per dollar 2.25 points per dollar  2.62 points per dollar

Even at the high end, this isn’t quite as strong as the Chase Sapphire Reserve, which offers an equivalent of 6% back on travel and dining. However, remember that the Premium Rewards card has a much lower annual fee. If you’re after a cash-back credit card and all the flexibility it affords, 2.625% for everyday spending is about as good as it gets — if you’re able to reach the Platinum Honors tier.

Related: The best Bank of America credit cards

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Official application link: Bank of America Premium Rewards card

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Marriott Bonvoy Boundless Credit Card

(Photo by The Points Guy)

Sign-up bonus: Earn 3 Free Night Awards (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first three months from your account opening. Certain hotels have resort fees.

Annual fee: $95.

Why you’ll love it: If you stay at Marriott hotels or would like to, the Bonvoy Boundless card is attractive because of its up to 17 Bonvoy points per dollar spent at over 7,000 participating Marriott Bonvoy hotels. Plus, you get a free night award on each account anniversary valid at any property charging up to 35,000 points per night. If used well, this free night should more than offset the card’s annual fee, although you won’t get your first annual free-night award until your first account anniversary. Plus, you’ll get automatic Silver Elite status in the form of 15 elite-night credits each year.

Check out our full card review for more details.

Related: Does it make sense to hold multiple Marriott Bonvoy credit cards?

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Official application link: Marriott Bonvoy Boundless

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How we chose the best Visa cards

We reviewed the Visa credit card lineup and studied their sign-up bonuses, rewards, perks and annual fees. Since Visa does not issue cards directly like American Express, we evaluated cards from various financial institutions like Chase and Bank of America along with cobranded partners to determine this list.

As always, head to the TPG cards hub to see the best credit cards currently available.

Related: Comparing Visa Signature and World Elite Mastercard benefits

FAQs

What are the different types of Visa cards?

Visa is not a card issuer directly, but Visa cards come with various benefits baked in. There are three variants: Visa, Visa Signature and Visa Infinite. Basic Visa cards usually come with standard benefits such as zero fraud liability and an auto rental collision damage waiver.

What is Visa Infinite and what is Visa Signature?

Visa Signature cards — such as the Chase Sapphire Preferred — come with more enhanced travel benefits and purchase protection. Some Visa Signature cards include specific travel-related assurances like:

Visa Infinite cards are at the top of Visa’s lineup and have perks, including Infinite concierge, car rental privileges, and a Global Entry application fee credit. These Visa Infinite cards, like the Chase Sapphire Reserve, all have an annual fee of at least $550 or more.

Bottom line

It’s worth knowing which payment network your credit cards use. You shouldn’t apply for or use cards based solely on the payment network, but you should try to have a diverse mix in your wallet. Especially before you travel outside the country or try to make large purchases, you should have different types of credit cards available in case a merchant can’t process one of them. There’s nothing worse than getting to the end of a meal or a long cab ride in a foreign country, only to find out you don’t have a way to pay your bill.

Additional reporting by Madison Blancaflor and Chris Dong. 

Featured photo by The Points Guy. 

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