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Best Visa Credit Cards in 2025

Headshot of Allie JohnsonWritten by
Allie Johnson
Headshot of Rebecca StropoliEdited by
Rebecca Stropoli
Updated on:
Content was accurate at the time of publication.

Winner: Best Visa rewards card

Chase Sapphire Preferred® Card

Chase Sapphire Preferred<sup>®</sup> Card Chase Sapphire Preferred<sup>®</sup> Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees

Sign-up bonus: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee$95
Rewards Rate1X - 5X points
  • Earn 5x on travel purchased through Chase Travel℠
  • Earn 3x on dining, select streaming services and online groceries
  • Earn 2x on all other travel purchases
  • Earn 1x on all other purchases
  • Earn $50 Annual Chase Travel Hotel Credit, plus more
Regular Purchase APR19.99% - 28.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Excellent sign-up bonus
  • High rewards on dining and groceries
  • Strong travel protections
  • Purchase coverage
  • No foreign transaction fees
  • $95 annual fee
  • Booking with Chase TravelSM required to get high travel rewards and hotel credit
  • Recommended for applicants with excellent credit
  • No 0% intro APR deal

The Chase Sapphire Preferred® Card is our pick for the best Visa rewards card on the market. This card earns some of the most valuable, flexible points available — Chase Ultimate Rewards® — and comes with a generous sign-up bonus and top-notch rewards earning rates on dining and groceries.

The Chase Sapphire Preferred® Card makes an excellent all-around travel card, with solid travel perks and protections that edge out many other travel cards on the market. However, you’ll have to book through Chase TravelSM to get the best travel rewards earning rate.

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Earn up to $50 in statement credits each account anniversary year for hotel stays through Chase Travel℠
  • 10% anniversary points boost - each account anniversary you'll earn bonus points equal to 10% of your total purchases made the previous year.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for a min. of one year when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
  • Member FDIC

Best Visa cash back credit card

Wells Fargo Active Cash® Card*

Wells Fargo Active Cash<sup>®</sup> Card Wells Fargo Active Cash<sup>®</sup> Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
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Sign-up bonus: Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
Annual Fee$0
Rewards Rate2% cash rewards on purchases
Earn unlimited 2% cash rewards on purchases
Regular Purchase APR19.24%, 24.24%, or 29.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Easy-to-earn welcome offer
  • Intro APR offer on balance transfers and purchases
  • Simple rewards structure
  • Cellphone protection and car rental insurance
  • No bonus categories to maximize rewards
  • Charges foreign transaction fees
  • Lacks broad travel insurance coverage
  • No purchase or extended warranty protection

The Wells Fargo Active Cash® Card may be the best credit card for rewards for those who prefer simplicity. It doesn’t have any bonus categories to keep track of, and boasts a competitive rewards rate that outshines many other flat-rate cards on the market. This card also offers a long intro APR deal on both balance transfers and purchases, on par with what’s offered by many competing cards.

  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers. 19.24%, 24.24%, or 29.24% 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.
  • No categories to track or remember and cash rewards don’t expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best business Visa credit card

Ink Business Preferred® Credit Card

Ink Business Preferred<sup>®</sup> Credit Card Ink Business Preferred<sup>®</sup> Credit Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.7
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees

Sign-up bonus: Earn 90,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening.
Annual Fee$95
Intro Purchase APRN/A
Regular Purchase APR20.24% - 26.24% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Stellar sign-up bonus
  • High rewards earning in popular business categories
  • Robust travel insurance protection
  • Cellphone and purchase coverage
  • No foreign transaction fees
  • $95 annual fee
  • High minimum spending for sign-up bonus
  • Annual cap on bonus rewards earnings
  • Low earnings outside bonus categories

The Ink Business Preferred® Credit Card is our choice for the best Visa card for business. This Visa rewards card offers one of the most impressive sign-up bonuses of any business card on the market — in the form of valuable, flexible Chase Ultimate Rewards® points. The card also has some of the best travel coverage out there, including trip cancellation/interruption insurance and primary rental car insurance.

You should know, however, that the level of spending required to earn the sign-up bonus is higher than on some competing cards, and there’s an annual cap that limits the total spend you can get a rewards earning boost on.

  • Earn 90k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $900 cash back or $1,125 toward travel when redeemed through Chase Travel℠
  • 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
  • Round-the-clock monitoring for unusual credit card purchases
  • 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 Travel℠
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
  • Member FDIC

Best Visa student credit card

Bank of America® Travel Rewards Credit Card for Students*

Bank of America® Travel Rewards Credit Card for Students Bank of America® Travel Rewards Credit Card for Students
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4.9

Sign-up bonus: Earn 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
Annual Fee$0
Intro Purchase APR0% Intro APR for 15 billing cycles for purchases
Regular Purchase APR18.24% to 28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Decent sign-up bonus
  • Intro APR offer for balance transfers and purchases
  • Simple flat-rate rewards structure
  • No foreign transaction fees
  • Requires good / excellent credit
  • Potentially high APR if you carry a balance
  • Steep late fee

The Bank of America® Travel Rewards Credit Card for Students is one of the best credit cards for students available. It has one of the highest sign-up bonuses of any student card on the market, combined with a competitive flat rewards rate that’ll put extra cash in your pocket for all purchases, from textbooks to groceries.

Its 0% APR deal, along with a long introductory period, makes this a good Visa rewards card option for students who need to transfer a high-interest balance or finance a big purchase. And with no foreign transaction fees, it’s also a good card to carry on a study abroad trip.

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire as long as your account remains open.
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.
  • Use your card to book your trip how and where you want - you're not limited to specific websites with blackout dates or restrictions.
  • Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a 18.24% to 28.24% Variable APR will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%.
  • When handled responsibly, a credit card can help you build your credit history, which could be helpful when looking for an apartment, a car loan, and even a job. Access your FICO® Score for free within Online Banking or your Mobile Banking app.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • 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.
*The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Visa secured credit card

U.S. Bank Altitude Go Visa Secured Card*

U.S. Bank Altitude Go Visa Secured Card U.S. Bank Altitude Go Visa Secured Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.2
Annual Fee$0
Rewards Rate1X - 4X points
  • Earn 4X points on dining, takeout and restaurant delivery
  • Earn 2X at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations
  • Earn 1X on all other purchases
Regular Purchase APR29.24%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
300-600
Limited / Poor
Get Your Free Credit Score
  • $0 annual fee
  • Excellent rewards earning on restaurant and takeout spending
  • Array of bonus categories
  • Streaming services credit
  • Minimum security deposit of $300 required
  • High APR if you carry a balance
  • Steep late and returned payment fees
  • No welcome bonus

The no-annual-fee U.S. Bank Altitude Go Visa Secured Card is one of the best Visa credit cards for building credit. It offers an array of perks that make it stand out next to other secured cards, including rewards bonus categories with an uncommonly high rate of earning on dining, as well as a streaming service credit.

That said, you should know that you’ll need to put down a security deposit of between $300 and $5,000, which acts as your credit limit while you build credit using this card. In addition, be aware that you could get hit with high costs if you carry a balance or pay late.

  • 4X points on dining, takeout and restaurant delivery.
  • 2X points at grocery stores, grocery delivery, streaming services, gas stations and EV charging stations.
  • 1 point per $1 spent on other purchases.
  • No annual fee.
*The information related to the U.S. Bank Altitude Go Visa Secured Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Visa travel credit card

Chase Sapphire Reserve®

Chase Sapphire Reserve<sup>®</sup> Chase Sapphire Reserve<sup>®</sup>
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.9
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees

Sign-up bonus: Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee$550
Rewards Rate1X - 10X points
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
  • Earn 3x points on other travel and dining
  • Earn 1 point per $1 spent on all other purchases
Regular Purchase APR20.24% - 28.74% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Excellent sign-up bonus
  • Airport lounge access
  • Global Entry, TSA PreCheck® or NEXUS fee credit
  • $300 annual travel credit
  • High rewards on travel and dining
  • Robust slate of travel protections
  • No foreign transaction fees
  • High $550 annual fee
  • Extra $75 annual fee per authorized user
  • Must book through Chase for highest rewards earning on travel
  • Excellent credit required

Our choice for the best Visa card for travel, the Chase Sapphire Reserve® is a standout in the world of luxury travel cards — it has a stellar all-around value and flexibility, giving seasoned travelers far more in perks, benefits and protections than the high annual fee they pay.

This card is notable for its well-rounded benefits, providing exceptional value in just about every area. It has higher rewards earning potential than some other luxury travel cards on the market, as well as more flexibility, with a travel credit cardholders receive annually that comes with few restrictions.

You should know, though, that excellent credit is required for this card, and its annual fee is steep — especially if you want to add one or more authorized users.

  • Earn 60,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
  • $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 Travel℠ 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 Travel℠. 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 $120 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Coverage, Lost Luggage Insurance and more.
  • Member FDIC

Best Visa credit card for fair credit

Petal® 2 Cash Back, No Fees Visa® Credit Card*

Petal<sup>®</sup> 2 Cash Back, No Fees Visa<sup>®</sup> Credit Card Petal<sup>®</sup> 2 Cash Back, No Fees Visa<sup>®</sup> Credit Card
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4.7
Learn More
Annual Fee$0
Rewards Rate1% - 10% cash back
  • Earn 1% cash back on eligible purchases right away
  • Earn 2% to 10% cash back at select merchants
Regular Purchase APR28.99% - 30.99%
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
N/A
Get Your Free Credit Score
  • No credit check needed to qualify
  • $0 fees
  • Cash back rewards at select merchants
  • No sign-up bonus
  • Potentially high APR
  • Rewards limited to select merchants

The Petal® 2 Cash Back, No Fees Visa® Credit Card is a unique card and one of the few that offers a way for applicants with no credit score to qualify. Unlike most other cards, Petal will analyze your banking history to create a “cash score” to determine your eligibility. Once you get the card, you can avoid fees and earn rewards at select merchants.

Keep in mind that you’ll have to grant read-only access to your bank account in order for the company to create your “cash score” — and the card isn’t ideal if you’ve previous had missteps in managing your money. In that case, you might want to consider the Petal® 1 No Annual Fee Visa® Credit Card, a Visa rewards card that is a bit easier to qualify for.

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 28.99% - 30.99%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank
*The information related to the Petal® 2 Cash Back, No Fees Visa® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Visa credit card for beginners

Chase Freedom Rise® Credit Card*

Chase Freedom Rise® Credit Card Chase Freedom Rise® Credit Card
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Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
Learn More

Sign-up bonus: Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days.
Annual Fee$0
Rewards Rate1.5% cash back
  • With Chase Freedom Rise®, you can start building credit while earning 1.5% cash back on all purchases.
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
Regular Purchase APR25.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Solid cash back rewards
  • Bonus for enrolling in autopay
  • Having a Chase bank account helps approval odds
  • Purchase and extended warranty protection
  • Basic travel coverage
  • No sign-up bonus
  • No 0% APR deal
  • No lost bag or rental car coverage
  • Only available if you have good / excellent credit
  • Has a foreign transaction fee (3% of the amount of each transaction in U.S. dollars.)

The Chase Freedom Rise® Credit Card is our choice for the best Visa card for beginners, due to its competitive flat-rate rewards and purchase and travel coverage benefits. Unlike most other credit cards, this one offers a way to increase your chances of getting approved: opening a Chase bank account.

You should know that the card does have a downside — no sign-up bonus or introductory APR deals. Still, it is ideal for beginners looking for a solid first credit card.

  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise®
  • Earn Cash Back - With Chase Freedom Rise®, you can start building credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Earn a $25 statement credit when you sign up for automatic payments within the first three months of opening your account and remain enrolled for at least 90 days. With automatic payments, just pick a date and dollar amount to make sure your Credit Card gets paid on time.
  • Credit Limit Increase - As a Chase cardmember, you'll be evaluated for a credit line increase in as soon as 6 months. Your credit line is the maximum amount of money you can spend on your Freedom Rise® Card
  • Free Credit Score - Track your credit score and learn how to build it with Chase Credit Journey.
  • No Annual Fee - You won't have to pay an annual fee for all the great features that come with your Freedom Rise® card.
  • Member FDIC
*The information related to the Chase Freedom Rise® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best airline Visa credit card

The New United Club℠ Card

The New United Club℠ Card The New United Club℠ Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.1
apply-now-icon Apply Now
on Chase's secure site
Rates & Fees

Sign-up bonus: Limited-Time Offer: Earn 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months from account opening.
Annual Fee$695
Rewards Rate1X - 4X miles
  • Earn 4x miles on United® purchases
  • Earn 2x miles on dining and all other travel 
  • Earn 1x mile on all other purchases
Regular Purchase APR20.49% - 28.99% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
720-850
Excellent
Get Your Free Credit Score
  • Outstanding sign-up bonus
  • United Club membership and other luxury perks
  • Global Entry, TSA PreCheck® or NEXUS fee credit
  • Free first and second checked bags
  • No foreign transaction fees
  • High $695 annual fee
  • Booking through United Hotels required to earn higher hotel rewards
  • No flexible travel credit
  • Requires excellent credit

The New United Club℠ Card is a natural choice for United loyalists looking for a premium travel card. It offers far more value than any other United card on the market, albeit at a higher cost. Perks include United Club access — which, at an annual value of $750, more than makes up for the card’s sky-high annual fee.

However, you should know that the card requires excellent credit and that many of the benefits are tied to United Airlines. For example, the travel rewards earning rate is average unless you book flights or hotels through United, which earns a much higher rate.

  • Limited-Time Offer: Earn 90,000 bonus miles
  • 4x miles on United® purchases
  • 2x miles on dining and all other travel
  • 1x mile on all other purchases
  • United Club℠ card membership - at least a $750 value
  • Free first and second checked bags - a savings of up to $360 per roundtrip (terms apply) - and Premier Access® travel services
  • Earn a 10,000-mile award flight discount after $20,000 in purchases to use toward an eligible award flight - up to two times each calendar year
  • Member FDIC

Best hotel visa credit card

Marriott Bonvoy Boundless® Credit Card*

Marriott Bonvoy Boundless<sup>®</sup> Credit Card Marriott Bonvoy Boundless<sup>®</sup> Credit Card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

3.8
Learn More

Sign-up bonus: Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases within the first 3 months from account opening.
Intro Purchase APRN/A
Rewards Rate2X - 17X points
  • Earn up to 17X total points at participating Marriott hotels.
  • Earn 3X points on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining.
  • Earn 2X points on all other purchases.
Regular Purchase APR20.49% - 27.49% Variable
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Valuable sign-up bonus
  • High rewards on Marriott Bonvoy hotel stays
  • Free anniversary night every year
  • Marriott Bonvoy Silver Elite status
  • No foreign transaction fees
  • $95 annual fee
  • Low annual combined cap on grocery, gas and dining rewards bonus category
  • Points have lower-than-average redemption value
  • Limited redemption options

The Marriott Bonvoy Boundless® Credit Card is an attractive choice for those who frequently stay at Marriott hotels. Its package of perks — including a higher-than-average sign-up bonus, automatic Marriott Bonvoy Silver elite status and a free anniversary night and high rewards on Marriott stays — means the Marriott Bonvoy Boundless® Credit Card provides more value than many other hotel cards on the market.

  • Earn 3 Free Night Awards (each night valued up to 50,000 points) after spending $3,000 on purchases within the first 3 months from account opening.
  • 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.
*The information related to the Marriott Bonvoy Boundless® Credit Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Visa balance transfer credit card

Bank of America® Unlimited Cash Rewards credit card*

Bank of America<sup>®</sup> Unlimited Cash Rewards credit card Bank of America<sup>®</sup> Unlimited Cash Rewards credit card
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How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
Learn More

Intro APR: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days, then a 18.24% - 28.24% Variable APR on balance transfers.
Annual Fee$0
Rewards Rate1.5% cash back
1.5% cash back on all purchases.
Regular Purchase APR18.24% - 28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • Nice sign-up bonus
  • $0 annual fee
  • Long intro APR on balance transfers and purchases
  • Simple rewards earning structure
  • No rewards bonus categories
  • Few other benefits

The Bank of America® Unlimited Cash Rewards credit card is our pick for the best Visa card for balance transfers, with its long introductory APR period for both balance transfers and purchases. So if you want to make a big purchase or pay down high-interest debt faster — and earn a welcome bonus to boot — this could be the Visa card for you.

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 1.5% cash back on all purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 1.87%-2.62% cash back on every purchase with Preferred Rewards.
  • No annual fee.
  • No limit to the amount of cash back you can earn and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • 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.
*The information related to the Bank of America® Unlimited Cash Rewards credit card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best Visa credit card for gas and groceries

Bank of America® Customized Cash Rewards credit card

Bank of America<sup>®</sup> Customized Cash Rewards credit card Bank of America<sup>®</sup> Customized Cash Rewards credit card
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4.6
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on Bank Of America's secure site

Sign-up bonus: Earn $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
Annual Fee$0
Rewards Rate1% - 3% cash back
  • 3% cash back in the category of your choice.
  • 2% cash back at grocery stores and wholesale clubs for the first $2,500 in combined choice category/grocery store/wholesale club quarterly purchases.
  • 1% cash back on all other purchases.
Regular Purchase APR18.24% - 28.24% Variable APR
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
  • $0 annual fee
  • Solid sign-up bonus
  • Flexible rewards earning
  • Long intro APR offer for purchases and balance transfers
  • 3% foreign transaction fee
  • Low earning rate outside of bonus categories
  • Bonus categories have a spending cap

The Bank of America® Customized Cash Rewards credit card is our top pick for best Visa credit card for gas and groceries, due to its solid rate of cash back on groceries (including purchases at wholesale clubs) and the ability to get a very high cash back rate on gas if you choose it as your high-earning category. (Note, there is a $2,500 quarterly purchase limit on your grocery and choice category.) The ability to earn such a solid rate in both categories makes this card a standout.

You should know that this isn’t a good card for international trips, as it does charge foreign transaction fees. Still, it’s a winner for maximizing rewards when you fuel up your vehicle or stock your pantry at home.

  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.
  • Choose 3% cash back on gas and EV charging station, online shopping/cable/internet/phone plan/streaming, dining, travel, drug store/pharmacy or home improvement/furnishings purchases.
  • If you're a Bank of America Preferred Rewards® member, you can earn 25%-75% more cash back on every purchase. That means you could earn 3.75%-5.25% cash back on purchases in your choice category.
  • No annual fee and cash rewards don’t expire as long as your account remains open.
  • 0% Intro APR for 15 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the Intro APR offer ends, a Variable APR that’s currently 18.24% - 28.24% will apply. A 3% Intro balance transfer fee will apply for the first 60 days your account is open. After the Intro balance transfer fee offer ends, the fee for future balance transfers is 4%. Balance transfers may not be used to pay any account provided by Bank of America.
  • Contactless Cards - The security of a chip card, with the convenience of a tap.
  • 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.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

The information related to the Wells Fargo Active Cash® Card, Bank of America® Travel Rewards Credit Card for Students, U.S. Bank Altitude Go Visa Secured Card, Petal® 2 Cash Back, No Fees Visa® Credit Card, Chase Freedom Rise® Credit Card, Marriott Bonvoy Boundless® Credit Card, Bank of America® Unlimited Cash Rewards credit card, Petal® 1 No Annual Fee Visa® Credit Card, Costco Anywhere Visa® Card by Citi and U.S. Bank Cash+® Visa Signature® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

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