We think it's important for you to understand how we make money. It's pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials. Compensation may factor into how and where products appear on our platform and in what order.
But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That's why we provide features like your Approval Odds and savings estimates.
Of course, the offers on our platform don't represent all financial products out there, but our goal is to show you as many great options as we can.
Our pick for: Flat-rate cash back. It offers the highest ongoing rewards rate of any flat-rate cash-back card, but it also charges an annual fee, and it limits the amount of spending that earns rewards. That limit is high, but it's still a limit. Read our review. Our pick for: Bonus category cash back. Our pick for: Customizable categories cash back. You also get bonus rewards at grocery stores and supermarkets, plus a great new-cardholder bonus offer.
Our pick for: Flat-rate travel rewards. The Capital One Venture Rewards Credit Card is probably the best-known general-purpose travel credit card, thanks to its ubiquitous advertising.
You earn 5 miles per dollar on hotels and car rentals booked through Capital One Travel and 2 miles per dollar on all other purchases. Miles can be redeemed at a value of 1 cent apiece for any travel purchase, without the blackout dates and other restrictions of branded hotel and airline cards.
The card offers a great sign-up bonus and other worthwhile perks. Our pick for: Bonus travel rewards. The sign-up bonus is stellar, too. Our pick for: Premium features. Points can also be transferred to about a dozen airline and hotel partners. Our pick for: Small-business cash back. The Capital One Spark Cash Plus is an excellent option for business operators whose expenses don't fall into the bonus categories on other business credit cards.
You get a high, flat rewards rate on every purchase, with no limit to how much you can earn. Just make sure that you can pay off your spending in full each month, as this is a charge card that doesn't let you revolve a balance.
Our pick for: Small-business travel. Our pick for: Gas. NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories. Show summary. And it stands out for consumers trying to build credit because there's no security deposit required.
This is not only a nice perk, but a great way to encourage responsible behavior. Check out Select's best credit cards for building credit and best credit cards for average and fair credit. You must be over 18 and a U. After the intro period, there's a Check out Select's best credit cards for college students. Cardholders earn a competitive 3X points on dining and travel worldwide.
The value of Chase rewards points varies depending on how you use them. See more on how the value of points is calculated. This perk is a great way to get the most value for your rewards. All the card's added credits and benefits provided by Chase can help offset the annual cost. Check out Select's best credit cards for restaurants and dining out. This transaction is subject to credit approval. If you take advantage of this balance transfer, you will immediately be charged interest on all purchases made with your credit card unless you pay the entire account balance, including balance transfers, in full each month by the payment due date.
This card has no annual fee, so road warriors can maximize their savings. In addition to earning high rewards at gas stations, cardholders also benefit from unlimited 3X points for supermarket purchases.
Check out Select's best credit cards for gas. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. If you want to maximize cash back on groceries, this card is for you. Cardmembers can also take advantage of Amex Offers , where users earn a statement credit or additional cash back at select retailers. These limited-time offers are location-based and additional terms apply. See rates and fees. Check out Select's best credit cards for grocery shopping.
Compared to other rewards cards, this is the highest unlimited rewards rate on entertainment spending, whether you're buying movie tickets, taking a family trip to the zoo or spending the evening bowling with friends. Plus, you can enjoy foodie-centric perks, such as exclusive access to premium reservations with OpenTable. Check out Select's best credit cards for entertainment spending.
If you travel often, this is a great perk that can save you time and money. This card has no foreign transaction fees and comes with a bunch of additional travel perks, such as travel accident insurance, hour travel assistance services and an auto rental collision damage waiver.
Having a credit card is an important piece of your financial profile, but with so many options available, it can be hard to find the best one for your needs. Here are some common questions to ask yourself so you can decide what's the best credit card for you. There are hundreds of rewards credit cards out there, where you can earn cash back, points or miles on every purchase you make. And if you want to earn rewards, what specific categories are most important to you? Rewards credit cards come in all shapes and sizes.
If you want to maximize rewards in specific categories, check out cards offering bonus rewards on gas , groceries , restaurants , entertainment , travel and more. Or keep it simple and opt for a flat-rate cash-back card.
Learn more: Are credit card points taxable? Here's when you may have to pay taxes on your rewards. If you're carrying a balance on a high interest credit card, consider transferring it to a balance transfer credit card offering no interest for up to 21 months. There are even cards with no balance transfer fees. Experts agree the sooner you build credit, the better.
Credit cards are a great way to do that. Check out secured cards for credit newbies or other cards for building or rebuilding credit. Many people have multiple credit cards, and there are benefits to this. It can help increase your credit score by giving you more available credit and therefore a better credit utilization ratio. At its most basic, having access to more credit can help you finance more purchases if you don't have enough cash to cover everything up front.
You can also earn more rewards by optimizing which card you use for certain spending categories. For instance you may make all your dining purchases with a card that earns bonus rewards in that category, but another card that for grocery purchases, since it has its own bonus multiplier. Ultimately, it's up to you to decide how many credit cards you need. Read the full U.
Bank Visa Platinum Card review. Visa is a card network, which means it dictates where the cards can be used and it helps connect merchants and card-issuing banks for payment processing.
Card networks like Visa also support a number of the benefits offered on their cards, such as travel insurance and emergency card replacement more on this below.
For example, while there are four major payment networks Visa, Mastercard, American Express, and Discover , small local stores may only accept card payments from a couple of those networks. American Express and Discover network acceptance is also limited outside the U. However, Visa is one of the most widely accepted payment networks both in the U. Visa Credit Card Statistics.
In addition to determining payment card acceptance, payment networks also support some credit card benefits. Visa consumer cards have three levels of benefits: Traditional, Signature, and Infinite. Visa business cards have two tiers: Business and Signature Business. The benefit line-up of each Visa card will vary depending on the card program and issuer, but overall, Visa benefits may include:. We collect data on hundreds of cards and score more than 55 features that affect your finances.
We do this because it's our mission to give you unbiased, comprehensive credit card reviews. Our reviews are always impartial. No one can influence which cards we review, the way we present them to you, or the ratings they receive.
About This List. The Balance editorial team curated this list following the same process used for our best overall card rankings, but focused just on Visa cards—more than 65 of them, actually. We excluded co-branded airline and hotel cards from this list. What We Score. Rewards, annual fee, and regular APR are the most important things people consider when choosing a credit card, so we weigh those features most heavily. Beyond limiting this list to cards on the Visa network, we applied the same methodology we use to determine our best overall credit cards.
For full details on how we evaluate credit card attributes, check out our full methodology. Actively scan device characteristics for identification. Use precise geolocation data.
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