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How Does LendingTree Get Paid?
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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Visa Signature Card Benefits

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Visa Signature® is the mid-tier package of benefits provided by the Visa payment network. These benefits — which include protections like travel and emergency assistance and extended warranty coverage — are superior to those extended by standard Visa cards but less robust than those offered by Visa Infinite cards.

We compiled a comprehensive list of Visa Signature® benefits to help you get the most value from your card. Just know, because Visa Signature® benefits can vary from card to card, it’s best to check with the issuer to verify which specific perks and coverage levels are available to you.

Travel protections

If you encounter an emergency or need assistance while traveling, eligible Visa Signature® cards offer the following benefits:

Roadside dispatch

Visa Signature cardholders can access a pay-per-use roadside assistance program 24/7 by calling 800-847-2869. Services include standard towing, tire changing, jump-starting, lockout service, fuel delivery and standard winching.

Lost luggage reimbursement

If you use your eligible card to purchase an airline or common carrier ticket, you can receive reimbursement of up to $3,000 per trip (or up to $2,000 per bag if you live in New York) to cover your checked or carry-on luggage and its contents in the event of theft or misdirection by the airline.

Travel and emergency assistance services

As the covered cardholder, you, your spouse and your dependent children under the age of 22 can receive 24/7 access to a multilingual call center for emergency assistance. Services include assistance with medical referrals, emergency transportation, emergency massage services, prescriptions, emergency ticket replacement, legal referrals, lost luggage locator services and emergency translation services.

Note, the cardholder is responsible for the cost of any received services.

Auto rental collision damage waiver

Get built-in auto rental coverage when you rent a vehicle using your Visa Signature card, which covers physical damage, theft, reasonable and customary towing and loss-of-use charges. Note, you must decline the collision damage waiver coverage offered by the rental agency, and your name must be listed as the primary renter on the auto rental contract.

Global Entry statement credit

When you use your Visa Signature card to pay for your Global Entry application fee (currently $100), you can receive a $100 statement credit.

Trip delay reimbursement

Receive coverage of up to $300 if your air travel is delayed for more than 12 hours due to a covered hazard.

Trip cancellation and trip interruption reimbursement

If you use a covered Visa Signature card to purchase eligible travel — including air, ferry, rail, bus and cruise ship — and you need to cancel or interrupt your trip, you can receive reimbursement for the nonrefundable cost of your passenger fare.

Travel accident insurance

Receive protection against accidental death or dismemberment that occurs during eligible travel when you use your Visa Signature card to purchase the ticket.

Baggage delay reimbursement

Get reimbursed up to $300 for necessities you purchased if your checked baggage is delayed or misdirected for more than four hours.

Emergency evacuation

Receive transportation to the nearest medical facility for treatment (up to $10,000) if you are sick or injured when you use your eligible card to purchase your travel tickets.

Emergency card replacement

If your card is lost or stolen, Visa can work with your bank to expedite worldwide shipping of an emergency replacement within 24 to 72 hours.

Emergency cash disbursement

Upon bank approval, receive a wire cash transfer to your local Western Union within two hours.

Hotel theft protection

When you use your eligible card to pay for a hotel room in the U.S. or Canada, you can receive reimbursement for personal belongings that are stolen from your room.

Emergency medical and dental

Receive reimbursement of up to $2,500 for emergency medical or dental expenses you incur while traveling. Note, this is supplemental to and in excess of any valid insurance or other forms of reimbursement.

Purchase protections

When you use your covered Visa Signature® to make purchases, you can receive the following protections:

Cellphone protection

If you pay your monthly cellphone bill with your covered Visa Signature card, you can receive reimbursement if your phone is stolen or damaged. Note, there is a $50 deductible.

Zero liability policy

If your card is lost, stolen or fraudulently used, you won’t be held responsible for unauthorized transactions made using the card.

Lost or stolen card reporting

You can easily report your card lost or stolen by calling your Visa Signature card issuer or Visa Global Customer Services at 800-847-2911, and a representative will help you notify the necessary parties and replace your card.

Extended warranty protection

When you use your covered card to make eligible purchases, extended warranty protection will extend the term of your eligible U.S. manufacturer warranty up to one additional year on warranties of three years or less.

Price protection

Receive reimbursement for the difference in price if an item you purchased with your covered card appears in a print advertisement at a lower price.

Return protection

If you purchase an item for up to $250 that you become dissatisfied with within 90 days and the merchant will not accept it back, you can receive reimbursement through return protection.

Purchase security

New items are covered for the first 90 days against theft or damage due to eligible circumstances.

Travel and shopping benefits

In addition to protections, Visa Signature® benefits include a variety of travel and shopping perks:

Airline incidental fees

Receive reimbursement for air travel-related fees, such as airport security, checked bag fees, in-flight food purchases and more.

Lounge access

Get VIP access to more than 850 airport lounges around the world through Priority Pass.

Winemaker and food events

Experience world-class celebrity chef and winemaker events, such as Sonoma County wine events.

Luxury hotel collection access

Receive special guest status at more than 900 Visa Signature hotel properties across the globe, and enjoy benefits like room upgrades, food and beverage credits, complimentary in-room Wi-Fi, late checkout when available and more.

Rental car privileges

Enjoy Visa Signature rental car benefits, including special discounts and complimentary upgrades, when available.

Cardholder inquiry services

Visa Signature card benefits experts can provide personalized support to help you take full advantage of available benefits.

Shopping and travel discounts

Cardholders receive access to exclusive savings and offers, including a free Shipt membership (enrollment required), hotel discounts and more.

Are Visa Signature® benefits worth it?

Visa Signature® credit cards offer a number of exclusive perks and benefits that aren’t provided directly by the credit card issuer. While some of the features in the Visa Signature® package aren’t too exciting and have small chances of being used, there are certainly some perks that are worth being aware of.

Benefits like the auto rental collision damage waiver have real potential to save you money if you put them to use. Also, perks like lost luggage reimbursement and roadside dispatch can give you peace of mind when traveling.

While many cardholders may never utilize any of their Visa Signature® benefits, it’s always good to be aware that these perks are available should you need to use them.

Tip: Refer to your cardmember agreement to see the specific terms and conditions of each benefit offered by your card.

Which Visa Signature® credit card is right for you?

There are a variety of Visa Signature® credit cards to choose from, including travel cards, cash back cards, 0% intro APR cards and business credit cards. Ultimately, the right one for you comes down to your financial needs and how you plan to use the card.

For example, if you’re interested in earning valuable rewards that can be used to help offset the cost of future travel, and you plan to take advantage of premium travel benefits, the Chase Sapphire Preferred® Card is a great option.

Cardholders receive access to the following benefits: trip cancellation and interruption insurance, auto rental collision damage waiver, baggage delay insurance, trip delay reimbursement, travel and emergency assistance services, purchase protection, extended warranty protection and more. Plus, new cardholders can 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®.

| Disclosures
Chase Sapphire Preferred® Card
Chase Sapphire Preferred® Card
on Chase's secure site
N/A
20.24% - 27.24% Variable
$95
5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and

 

  • 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.
720 850
Excellent

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you prefer a card that offers simple cash back rewards and charges a $0 annual fee, the Wells Fargo Active Cash® Card may be a better option.

Cardholders earn unlimited 2% cash rewards on purchases, which can be redeemed to cover past purchases, as a credit to a qualified Wells Fargo account, for cash or for gift cards. Additionally, cardholders receive benefits like cellphone protection, 24/7 concierge service, access to the luxury hotel collection, emergency cash disbursement, auto rental collision damage waiver, roadside dispatch and more.

| Disclosures
Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card
on Wells Fargo's secure site
0% intro APR for 15 months from account opening
19.49%, 24.49%, or 29.49% variable APR
$0
Earn unlimited 2% cash rewards on purchases
  • Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
  • $0 annual fee
  • No categories to track or remember and cash rewards don't expire as long as your account remains open
  • Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Select “Apply Now” to learn more about the product features, terms and conditions
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

If you have a large amount of high-interest credit card debt that you want to transfer, consider a balance transfer card, like the Wells Fargo Reflect® Card. In addition to a 0% intro APR up to 21 months from account opening on qualifying balance transfers, then a 17.49% - 29.49% variable APR, the card offers the following benefits: cellphone protection, roadside dispatch, zero liability protection and more.

| Disclosures
Wells Fargo Reflect® Card
Wells Fargo Reflect® Card
on Wells Fargo's secure site
0% intro APR up to 21 months from account opening
17.49% - 29.49% variable APR
$0
None
  • 0% intro APR for 18 months from account opening on purchases and qualifying balance transfers. Intro APR extension for 3 months with on-time minimum payments during the intro period. 17.49% to 29.49% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min $5.
  • $0 Annual Fee
  • Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It's an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
  • Select “Apply Now” to learn more about the product features, terms and conditions
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Or if you’re a small business owner who wants to earn cash back on your company expenses, you may want to consider the Ink Business Unlimited® Credit Card. The $0-annual-fee card lets cardholders earn unlimited 1.5% cash back on every purchase made for your business. Benefits include travel and emergency assistance services, purchase protection, extended warranty protection, auto rental collision damage waiver and roadside dispatch.

| Disclosures
Ink Business Unlimited® Credit Card
Ink Business Unlimited® Credit Card
on Chase's secure site
0% Intro APR on Purchases for 12 months
17.49% - 23.49% Variable
$0
Earn unlimited 1.5% cash back on every purchase made for your business
  • 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
660 720 850
Excellent/Good

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

 

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