Best Visa Credit Cards Compared 2026: Travel, Rewards and Everyday Spending

Visa credit cards carry a Visa logo and are accepted in more than 200 countries and territories around the world.

Because Visa is a credit card network and not a card issuer, you’ll find Visa credit cards offered through a range of major banks.

But Visa does offer benefits and protections for cardholders that can apply no matter which bank or credit union issued the card. These benefits depend on which of the three types of Visa card you have: the traditional Visa credit card, the Visa Signature card or the Visa Infinite card.

• Visa Traditional

  Visa Traditional cards are entry-level credit cards with basic benefits, including emergency card replacement, roadside dispatch and zero liability for unauthorized transactions, to name just a few. Visa Traditional cards may also offer benefits or discounts with certain brands, including cruise lines and car rental agencies.

• Visa Signature

  Visa Signature is Visa’s middle-tier card. Cardholders may receive trial offers and discounts for services like Sofar, and they may get exclusive perks through the Visa Signature Luxury Hotel Collection and Visa Signature Rental Car Privileges programs.

  Many Visa Signature cards also include Priority Pass lounge access, rebates for airline fees and travel and purchase protections.

• Visa Infinite

  Visa Infinite credit cards are the highest level. In addition to many of the same benefits as the Signature tier, Visa Infinite also includes special offers, luxury perks and travel benefits.

  Visa Infinite cards usually offer 24/7 concierge service, access to the Visa Infinite Luxury Hotel Collection and a better version of some benefits found in Signature and Traditional cards. They can also come with benefits like fee credits for Global Entry or TSA PreCheck® membership, airline incidental statement credits and other premium perks.

• Visa card benefits

  The chart below shows which benefits are most likely to come with each tier of Visa credit card. But be aware that not all benefits will apply with every Visa card of that type.

  Visa card benefits

  	Visa Traditional benefits	Visa Signature benefits	Visa Infinite benefits
  Emergency card replacement and cash disbursement
  Extended warranty
  Price protection
  Purchase protection
  Concierge services
  Visa Luxury Hotel collection
  Global Entry/TSA PreCheck credit
  Rental car insurance
  Baggage insurance
  Travel insurance
  Airport lounge access
  Travel statement credits
  Luxury hotel collection added benefit
  Car rental privileges

Major financial institutions — like Capital One, Chase, Citi and others — issue Visa credit cards, as well as Mastercard credit cards. Meanwhile, American Express and Discover have their own card networks.

Once you’ve chosen the best Visa credit card for you, follow these tips to help you boost your approval odds, whether you plan to apply now or later on.

1. Check your credit and fix errors.
   Before you apply, take some time to check your credit reports. It’s free to do, and if you find any errors that could be dragging your score down, you can formally dispute them and have the reports corrected.
2. Pay down existing debt.
   Carrying debt on an existing credit card? How much you owe on revolving accounts (like credit cards) makes up 30% of your FICO credit score. By reducing your balances, you can boost your score before applying for new credit.
3. Gather your personal information.
   Make sure you have all your personal info on hand when you apply. At the very least, you’ll need your address, phone number, date of birth, Social Security number and income. If you’re applying for a hotel or airline credit card, you’ll also need your loyalty number to link accounts.
4. Check for preapproved offers.
   You can find preapproved credit card offers on many issuers’ websites. You’ll need to fill out a short form with some personal info so the card issuer can do a soft credit check, which won’t affect your credit. From there, the issuer will recommend credit cards best suited to your credit profile. There won’t be a hard inquiry on your credit report until you formally apply for a Visa credit card.
5. Apply for a Visa credit card that matches your credit.
   You can boost your chances of approval by making sure your credit score is in the recommended range for the credit card you want before you hit the apply button. (Check out the recommended credit ranges in our list above.)

Of course, you’ll also need to know your credit score. You can see your credit score for free via LendingTree Spring or another service. If your score isn’t high enough, you can raise it by paying down balances and making on-time payments. See our guide on how to improve your credit score for more details.