Best Visa Credit Cards

Use this guide to find the best Visa card for your needs.

Visa is the largest credit card payment network, offering many different credit cards for both personal and business use. No matter what Visa credit card you choose, you’ll get the convenience of being able to pay with your card or mobile device, expedited card replacement if your card was lost or stolen when you contact Visa customer service, acceptance at millions of merchants worldwide, the option to pay your monthly balance in full or over time, and travel and retail purchase protection.

With so many options it can be hard to choose the best Visa credit card, but it really comes down to your personal needs. Are you looking to earn travel rewards, earn cash back, earn store credit or rebuild your credit? Will you be using the card for personal or business use? Consider opening one of these Visa cards once you know what you want out of a credit card.

Best Visa Credit Card
Visa CardBest ForAnnual FeeAPR
Applied Bank Secured Visa Gold PreferredRebuilding credit$489.99%
Capital One Quicksilver CardCash back$00% intro APR for 15 months; then 14.74% to 24.74%
Capital One Spark Cash for BusinessSmall businesses$0 for the first year; then $9518.74%
Capital One Venture Rewards Credit CardTravel rewards$0 for the first year; then $9514.74% to 24.74%
Nordstrom Visa Signature CardStore credit card$012.40% to 24.40%

Applied Bank Secured Visa Gold Preferred Credit Card

If you want to rebuild your credit, the Applied Bank Secured Visa Gold Preferred card is a good option. There is no credit check or minimum credit score required with this card.


  • Low, fixed APR at 9.99 percent
  • Only $200 minimum deposit is required
  • Credit limit up to $5,000


  • $48 annual fee
  • No rewards or cash back

Best for: Rebuilding credit.

Read: 10 New Luxury Cards You Wish You Could Get

Capital One Quicksilver Card

This cash-back bank credit card from Visa Signature allows you to earn 1.5 percent cash back on every purchase, and there’s no annual fee.


  • Earn a $150 cash bonus when you spend $500 on purchases within three months from account opening
  • No rotating categories or opt-ins needed to get cash back
  • Cash back is unlimited and does not expire
  • Zero percent intro APR on purchases and balance transfers for 15 months
  • No foreign transaction fee


  • APR rises to 14.74 percent to 24.74 percent after the intro period

Best for: Cash back rewards for people with good or excellent credit.

Capital One Spark Cash for Business

Small business owners can benefit from the Capital One Spark Cash for Business Visa Signature card, which allows you to earn unlimited 2 percent cash back on all purchases. You can put that cash back into your business, which could translate to hundreds or even thousands of dollars that can be used to grow your company.


  • $o intro annual fee for the first year
  • Earn a $500 cash bonus when you spend $5,000 on purchases within three months from account opening
  • No limiting categories for maximum cash back
  • Rewards don’t expire
  • Get additional cards for employees at no cost, which can help you earn more cash back faster


  • Annual fee jumps to $95 after the first year
  • No intro APR

Best for: Small business owners with good or excellent credit who want to earn cash back on business spending.

See: The Top 10 Most Exclusive Black Cards You Don’t Know About

Capital One Venture Rewards Credit Card

This Visa rewards card was named “The Best Travel Card” by CNBC in 2018. The card allows you to earn reward miles that can be redeemed for plane tickets and hotels. You’ll earn two miles for every purchase, and 10 miles for hotels booked through


  • Earn 50,000 bonus miles — worth $500 towards travel — when you spend $3,000 on purchases within three months from account opening
  • Receive up to $100 application fee credit for Global Entry or TSA Precheck
  • Miles can be redeemed for flights and hotel stays with no restrictions
  • Miles are unlimited and don’t expire
  • $0 intro annual fee for the first year


  • Annual fee rises to $95 after the first year
  • No intro APR

Best for: Travel rewards for people with good or excellent credit.

Nordstrom Visa Signature Card

This store credit card allows you to earn Nordstrom Notes that can be redeemed for purchases at Nordstrom, Nordstrom Rack,, and HauteLook. You’ll earn two points for every dollar spent at any of the stores and websites affiliated with Nordstrom, and one point for every dollar spent everywhere else. Every 2,000 points earns you a $20 Nordstrom Note.


  • No annual fee
  • Choose a personal Triple Points Day every year to earn three times the points
  • Get early access to the Nordstrom Anniversary Sale in the fall
  • Can earn additional perks such as a holiday shopping party and VIP access


  • No intro APR

Best for: Nordstrom shoppers who want to earn rewards for use at the store and its affiliates.

Are you considering opening a Mastercard instead? Keep reading for a comparison of Visa and Mastercard to find out which is better.

More on Credit Cards

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About the Author

Gabrielle joined GOBankingRates in 2017 and brings with her a decade of experience in the journalism industry. Before joining the team, she was a staff writer-reporter for People Magazine and Her work has also appeared on E! Online, Us Weekly, Patch, Sweety High and Discover Los Angeles, and she has been featured on “Good Morning America” as a celebrity news expert.