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When you travel, one of the last events you want to experience is a declined credit card transaction. Carrying the best Visa credit cards for travel in your wallet means near-universal acceptance. Of course, you can also earn purchase rewards and enjoy a few other perks in the process.
Best Visa Credit Card for Travel Lovers
Here are some of the best Visa credit card options to consider:
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
- Capital One Venture Rewards Credit Card
- Southwest Rapid Rewards® Priority Credit Card
- World of Hyatt Credit Card
- Chase Freedom Flex℠
- Ink Business Preferred® Credit Card
- Ink Business Cash® Credit Card
Chase Sapphire Reserve
If you can only choose one Visa credit card, consider applying for this one first. The Chase Sapphire Reserve® comes with the most rewards. It’s a premium travel credit card with these benefits:
- $300 annual travel credit
- Priority Pass airport lounge access
- Global Entry or TSA PreCheck application fee credit
- Trip cancellation/interruption coverage (up to $20,000 per trip)
- Earn 3x Ultimate Rewards on dining purchases and on travel (3x on travel earned immediately after getting the $300 travel credit)
- Points are worth 50% more when redeeming for travel
- 1:1 airline and hotel point transfers
Your points can be most valuable when transferring them to airline and hotel partners at a 1:1 ratio. Some of the best transfer options include British Airways, Flying Blue, Emirates, United, Southwest Airlines, and Singapore Airlines. With no foreign transaction fees and all of the travel perks, this is one of the best international credit cards.
Gas station and grocery store purchases will also count towards earning the annual $300 travel credit, through December 31, 2021. Additionally, through April 30, 2021, cardholders automatically earn 3x points per $1 spent at grocery stores, up to $1,000 per month. Cardholders can also earn up to $120 in statement credits on Peloton Digital and All-Access Memberships through December 31, 2021.
This is in addition to the complimentary DoorDash DashPass subscription that lets cardholders get unlimited deliveries with a $0 delivery fee and reduced service fees. They also earn up to $120 in statement credits on DoorDash purchases ($60 in statement credits through 2020 and another $60 in statement credits through 2021).
Sapphire Reserve cardholders earn 10x points on Lyft rides, including bikes and scooters. Complimentary Lyft Pink Membership is also available when activated by March 21, 2022. Points are worth 50% more through April 30, 2021, when redeemed for statement credits against existing purchases in select, rotating categories with the Chase Pay Yourself Back feature. Points are also worth 50% more when redeemed through the Chase Dining hub in Ultimate Rewards, now through April 30, 2021.
New Chase Sapphire Reserve® cardmembers can earn 60,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $900 toward travel when redeemed through Chase Ultimate Rewards®.
Also, the Sapphire Reserve is a Visa Infinite product. This is the highest-tier Visa credit card you can have. Your initial credit limit will be at least $10,000. You will need excellent credit for this card.
Chase Sapphire Preferred
A premium travel credit card like the Chase Sapphire Reserve isn’t for everyone. Your next-best option for travel rewards is the Chase Sapphire Preferred® Card. It has a $95 annual fee versus the Sapphire Reserve $550 annual fee (there was a recent Chase Sapphire Reserve benefits update).
Card benefits include:
- Earn 2x Ultimate Rewards on travel and dining
- 25% award travel redemption bonus with Chase
- 1:1 airline and hotel point transfers
- Primary rental car insurance
- Trip cancellation/interruption insurance up to $20,000 per trip
- No foreign transaction fee
New Chase Sapphire Preferred® Card cardholders can earn 80,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening, worth $1,000 when you redeem through Chase Ultimate Rewards®. Plus, they can earn up to $50 in statement credits towards grocery store purchases within the first year of account opening.
If you care more about earning and redeeming points than the add-on travel perks, consider the Chase Sapphire Preferred.
As an added bonus (for both aesthetics and strength), this card is one of the best metal credit cards you can have in your wallet.
Capital One Venture Rewards Credit Card
Another excellent option that makes it easy to earn travel miles is the Capital One Venture Rewards Credit Card.
The Venture Card earns unlimited 2 miles per $1 spent on all purchases. You can redeem your miles for travel statement credits, book upcoming travel, or redeem them with one of the Capital One transfer partners.
Also, the Venture Card is a Visa Signature product that is the second-highest Visa tier. Perks include a minimum of $5,000 starting credit limit, secondary rental car insurance, and Visa Luxury Hotel Collection on-site amenities.
One additional benefit is a fee credit of up to $100 for Global Entry or TSA PreCheck for the primary cardholder. New cardholders can earn 60,000 miles if they spend $3,000 on purchases in the first 3 months of the account opening.
Learn more: Rewards Credit Cards
The annual fee is $95. You can compare the Chase Sapphire Preferred vs Capital One Venture if you’re on the fence about these two superstar travel credit cards.
Southwest Airlines Rapid Rewards Priority Card
If you love Southwest Airlines, check out the Southwest Rapid Rewards® Priority Credit Card. This card earns Rapid Rewards points on all purchase and you get other Southwest Airlines benefits:
- $75 annual Southwest travel credit
- 4 Upgraded Booking per year (when available)
- 7,500 anniversary Rapid Rewards points
- No foreign transaction fees
Cardholders earn 2x points per $1 spent on Southwest purchases. Non-bonus purchases earn 1x point per $1 spent.
New cardholders can earn 40,000 points after spending $1,000 on purchases in the first 3 months of account opening. Plus, earn 3x points on dining, including takeout and eligible delivery services, for the first year.
The Southwest Companion Pass lets your travel companion fly alongside you for only the cost of fees and taxes.
World of Hyatt Credit Card
The World of Hyatt Credit Card is one of the best hotel credit cards for these benefits:
- One free anniversary night at any category 1-4 property
- Second free anniversary night after spending $15,000 in a year
- World of Hyatt Discoverist loyalty status
- Earn 4x Hyatt points on Hyatt purchases
- Earn 2x Hyatt points on flights booked directly from the airline, restaurants, local transit and commuting, and fitness clubs or gym memberships
- All non-bonus purchases earn 1 point per $1
- No foreign transaction fee
Hyatt points are some of the most valuable hotel points. You can book a category 1 property award night for 5,000 points. Starting March 2020, off-peak award nights can cost as low as 3,500 points.
You also have the opportunity to earn up to 60,000 bonus points as a signup bonus. Earn 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, earn 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point, up to $15,000, in the first 6 months of account opening.
Learn more: Hotel Rewards Credit Cards
Chase Freedom Flex
If you crave cash rewards, the Chase Freedom Flex℠ is one of the best cash back credit cards. You earn 5% back on the first $1,500 spent on rotating bonus category purchases each quarter (once activated). Cardholders also earn:
- 5% on travel purchased through Chase Ultimate Rewards
- 3% on dining, including takeout and delivery services
- 3% on drugstore purchases
- 1% on non-bonus purchases (1.5% for the Chase Freedom Unlimited)
There isn’t an annual fee. This is also one of the best cash back credit cards you can have in your wallet.
You can redeem your points for cash, travel, and gift card rewards and are worth 1 cent each. Transferring them to your Chase Sapphire card means you can capture the travel redemption bonus or 1:1 point transfers.
New cardholders can earn a $200 cash bonus by spending $500 in the first 3 months.
Ink Business Preferred Credit Card
The Chase Ink Business Preferred® Credit Card is the best overall small business credit card. You earn 3x Ultimate Rewards on the first $150,000 spent on travel, online advertising, shipping, and Internet, cable, and phone services.
Your points are worth 25% more when booking award travel on the Chase travel portal. You can transfer your points to the 1:1 Ultimate Rewards travel partners too. This card also has a signup bonus of 100,000 bonus Ultimate Rewards worth up to $1,250 in award travel. To earn the bonus, spend $15,000 in the first 3 months of account opening. The bonus along with the bonus points for business purchases are part of the reason that this is one of the best small business credit cards.
Ink Business Cash Credit Card
For a business credit card with no annual fee, the Chase Ink Business Cash® Credit Card earns up to 5% back on purchases. Get 5% on the first $25,000 in combined annual spending at office supply stores, and Internet, phone and cable services. The first $25,000 in annual purchases at gas stations and restaurants earn 2% back. All remaining spend earns 1% back.
This is one of the best no annual fee small business credit cards.
Your points can be redeemed for cash, travel, and gift cards. However, this card doesn’t offer a travel redemption bonus or 1:1 point transfers. New applicants can earn $750 bonus cash after spending $7500 in the first 3 months.
Many rewards credit cards have the Visa label on it. Starting with this list of credit cards makes it easy to narrow down your search for the best Visa credit card that works for you. Which one will you choose?
Are Visa credit cards good?
Visa credit cards are some of the best credit cards you can own. Banks offer Visa-issued credit cards for any credit score. In the United States, you will find more Visa credit cards than American Express, Discover, or Mastercard.
One reason it’s a good idea to have a Visa credit card is that most merchants around the world accept Visa or Mastercard credit cards as payment. They are less likely to accept American Express or Discover.
The best Visa credit card can be the rewards card that has the best purchase rewards and additional benefits. Each bank offers different benefits that help you maximize your common purchases and daily habits.
What is the most prestigious Visa credit card to have?
The most luxurious Visa credit card is the J.P. Morgan Reserve Card. It’s made from a palladium alloy but is also very hard to qualify for. You must be a J.P. Morgan client and receive a special invitation.
So, the best Visa credit card open to everyone is the Chase Sapphire Reserve. It’s a premium travel rewards credit card with perks including a $300 annual travel credit, Priority Pass lounge access, and a fee credit for Global Entry or TSA PreCheck.
You also earn 3x Ultimate Rewards points on dining and 1x points for everything else. You also earn 3x points on dining, immediately after getting the $300 travel credit. Your points are worth 1.5 cents each for award travel booked on the Chase travel portal. You can transfer at a 1:1 ratio to airline and hotel partners. Some of the best partners include United, Southwest, Emirates, Singapore Airlines, and World of Hyatt.
What does Visa Signature card mean?
Like an airline or hotel loyalty program that has different membership levels, Visa credit cards have different benefit levels. A Visa Signature card is the second-highest tier. Many of the best Visa credit cards are a Visa Signature.
Some of the built-in benefits include:
- Minimum $5,000 initial credit limit
- Secondary rental car insurance
- Rental car discounts
- Luxury Hotel Collection discounts and on-site amenities
- Extended warranty protection
The bank may also offer additional benefits. For instance, the Chase Sapphire Preferred offers primary rental car insurance. The Capital One Venture credits your Global Entry or TSA PreCheck application fee. Many Visa Signature credit cards require a minimum 670 credit score to have the best approval odds.
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.
- 1 Best Visa Credit Card for Travel Lovers
- 2 Chase Sapphire Reserve
- 3 Chase Sapphire Preferred
- 4 Capital One Venture Rewards Credit Card
- 5 Southwest Airlines Rapid Rewards Priority Card
- 6 World of Hyatt Credit Card
- 7 Chase Freedom Flex
- 8 Ink Business Preferred Credit Card
- 9 Ink Business Cash Credit Card
- 10 Summary
- 11 FAQs