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If you have a Visa credit card in your wallet, it’s most likely a Visa Signature credit card. If you own multiple Visa Signature credit cards, your purchase rewards and point redemption options may differ. However, you have the same set of Visa Signature card benefits that Visa offers you. Some of these you may not know about.

best visa signature card benefits
The best Visa Signature card benefits include special amenities at over 900 properties in the Luxury Hotel Collection.
Credit: Pexels

In addition to covering these core benefits, we’ll show you some of the best Visa Signature credit cards. What you may also realize is that some banks offer extra benefits that are better than what Visa offers. You will also realize that many of the best travel credit cards carry the Visa Signature label.

Best Visa Signature Credit Card Benefits

Minimum $5,000 Initial Card Limit

All Visa Signature credit cards have a minimum card limit of $5,000. If your preset spending limit is below this mark and it’s a Visa, it’s most likely a Visa Platinum product. The Visa Platinum cards offer fewer benefits than Visa Signature.

Auto Rental Collision Damage Waiver

All Visa Signature credit cards come with secondary rental car collision and theft damage waiver protection. You will need to charge the rental to your Visa and decline the collision damage waiver the rental car agency offers.

If a covered incident occurs, your primary auto insurance policy offers. The Visa Signature benefits can cover any remaining damage costs. In most cases, this is your insurance deductible. This coverage is available for most rental car types and in most countries.

In the United States, this benefit applies to rentals shorter than 15 days and up to 31 days for international car rentals.

Select Chase Visa Signature cards offer primary coverage. This means your credit card benefits activate before any other insurance policies you may have. Two Chase credit cards offering primary rental car insurance are:

Even the Ink Business Cash℠ Credit Card and Ink Business Unlimited℠ Credit Card offer primary coverage. Neither card charges an annual fee and they are some of the best business credit cards for travel.

Visa Credit Card Rental Car Privileges

While we’re on the topic of rental cars, your Visa Signature lets you save money on Silvercar rentals and GroundLink chauffeur service.

Silvercar

Silvercar is Audi’s luxury car rental service. It’s possible to save up to 15% on rentals and you can enjoy these complimentary benefits:

  • Bluetooth
  • In-car WiFi
  • SiriusXM radio
  • Apple CarPlay and Android integration

GroundLink

If you use GroundLink for car chauffeur service, you can save 10% on bookings plus get a one-time $20 credit.

Visa Signature Luxury Hotel Collection

Enjoy special discounts and amenities at the Luxury Hotel Collection. There are over 900 hotels and resorts in this upscale portfolio. Some of the special benefits you can enjoy include:

  • Automatic room upgrade (when available)
  • In-room WiFi
  • Complimentary breakfast for two
  • $25 USD food and beverage credit
  • VIP guest status
  • Late checkout (upon request)

You will need to book your stay through the Visa Signature website to get these benefits.

Golf Course Discounts

Partnering with Troon, you can get special perks at more than 95 golf courses across the United States and the world. You will get a 10% discount on green fees, golf schools, and instructional classes. Existing Troon members can also upgrade one loyalty status tier.

Roadside Assistance

Although you will still need to pay the service provider for their roadside assistance services, Visa will dispatch help free of charge. The next time you need a jump start, flat tire assistance, or a tow, Visa can help you during this stressful situation.

If you have roadside assistance through your car insurance or AAA membership, you might try using these benefits first.

Travel and Emergency Assistance

Visa can also help you find alternate transportation or medical assistance if an emergency happens. Once again, you will need to pay the service provider for any services they render. But Visa doesn’t charge an assistance fee on top of this bill.

Your bank may offer additional travel assistance benefits to defray the incidental costs.

Emergency Cash Disbursement

If you need cash in a hurry, Visa will send funds to a local Western Union branch within 2 hours of bank approval. This benefit applies if your credit card is lost, stolen, or damaged.

Extended Warranty Protection

On qualifying items, Visa extends the original manufacturer warranty for up to 1 year. This Visa Signature card benefit applies to warranties that are 3 years or less. If the original warranty is longer than 3 years, Visa doesn’t extend the warranty.

The coverage for this additional year mirrors the manufacturer’s warranty policy. Make sure you hang onto the original paperwork to avoid any delays in processing your claim.

You will need to file a claim within 60 days of the product’s failure to submit an eligible claim.

Best Visa Signature Credit Cards

While there are many Visa Signature cards to own, these are some of the best.

Chase Sapphire Preferred Card

The Chase Sapphire Preferred® Card is one of the best travel rewards credit cards. It offers these benefits:

  • Earn 2x Ultimate Rewards points per $1 on travel and dining
  • Points are worth 25% more when booking award travel through Chase
  • 1:1 airline and hotel point transfers (includes United, Southwest, and World of Hyatt)
  • Primary rental car collision and theft damage insurance
  • Trip cancellation/trip interruption insurance (up to $10,000 per person/$20,000 per trip)
  • 60,000 bonus Ultimate Rewards signup bonus (worth up to $750 in award travel) after spending $4,000 in the first 3 months of account opening

Learn more: Chase Sapphire Preferred review

Capital One Venture Rewards Credit Card

The Capital One® Venture® Rewards Credit Card is one of the best flat-rate rewards travel credit card. You earn 2x miles per $1 on all purchases. Through January 2020, you also earn 10x miles per $1 for purchases at Hotels.com/venture. Your miles can be redeemed for travel statement credits, booking upcoming travel, or transferring to airline partners. Capital One also reimburses your Global Entry or TSA PreCheck application fee credit, up to $100.

The Capital One Venture Rewards Card also offers the standard Visa Signature card benefits covered in this article. Two other built-in Capital One shopping benefits to help you save money are WikiBuy and Paribus.

The signup bonus is 50,000 bonus miles worth $500 in award travel after spending $3,000 in the first 3 months of account opening. And, the annual fee is $0 for the first year, then $95.

Learn more: Best ways to redeem Capital One Venture miles

Chase Freedom

For cash rewards, the Chase Freedom® is a Visa Signature card. You earn 5% back on the first $1,500 in combined purchases for rotating quarterly bonus categories. All non-bonus purchases earn 1% back.

Your Chase Ultimate Rewards points are worth 1 cent each for travel, cash, or gift cards. But each point qualifies for the travel redemption bonus or 1:1 transfers when you transfer them to your Chase Sapphire Preferred (Visa Signature) or Chase Sapphire Reserve (Visa Infinite).

The Chase Freedom has no annual fee. Its standard signup bonus is $150 bonus cash after spending $500 in the first 3 months.

Learn more: Best cash back credit cards

Summary on Best Visa Signature Benefits

The Visa Signature card benefits can help you save money when you travel or an unplanned incident happens. Your bank may build upon these benefits to offer more in-depth coverage. Before paying for a large travel or retail purchase, it’s worth looking at the Visa Signature benefits guide.

FAQs

Does Visa Signature have lounge access?

No, airport lounge access isn’t a built-in Visa Signature card benefit. Some airline credit cards will give you one-time passes or discount access. But, you will need to get a Visa Infinite product, like the Chase Sapphire Reserve®, to get automatic Priority Pass lounge membership.

Are Visa Signature cards hard to get?

You will need good credit or excellent credit to qualify for a Visa Signature card. Many cards require a credit score above 670 to have the best approval odds. Certain cards like the Chase Sapphire Preferred or Capital One Venture Rewards need a 740+ credit score to give you an instant approval decision.

What does Visa Signature card mean?

Visa Signature is the mid-level Visa credit card product. This means they are not the most luxurious but at least offer a few discounts and protection benefits.

The best Visa credit cards are Visa Infinite. These cards have a minimum $10,000 initial credit limit, have primary rental car collision and theft damage protection, and Priority Pass lounge membership.

The entry-level Visa Platinum (Visa Traditional) cards offer fewer benefits than Signature cards. While you still get secondary rental car insurance, you won’t get extended warranty protection or the various hotel, rental car, and golf course discounts.

What is the best Visa Signature card?

The best Visa Signature card can be a matter of opinion. If you like to travel, the Chase Sapphire Preferred is probably the best overall. You earn 2x Ultimate Rewards points on travel and dining. Your points are worth 25% more when you booking award travel instead of cash or gift card rewards. And you can transfer them at a 1:1 ratio to many of the largest airline and hotel loyalty programs.

For cash rewards, the Citi Double Cash earns 2% back on all purchases and it has no annual fee. For tiered cash rewards, the Chase Freedom earns up to 5% back on quarterly bonus categories and 1% for everything else.

Saving Money on Wine Tastings in Sonoma with a Visa Signature Credit Card

I needed to unwind, so my wife and I recently took a quick trip to San Francisco. We had a blast, especially during our day trip to Sonoma. We always have fun in the wine country. How can you not?

What made our trip even better was that we were able to save $$ with our Chase Sapphire Preferred on wine tastings! What, what. The Chase Sapphire Preferred® Card is a Visa Signature card, and with that comes extra benefits. One of those benefits is free wine tastings in Sonoma. Winning.

That’s right, if you hold a Visa Signature card, you can receive:

  • Two complimentary tastings per cardholder
  • Savings on wine and non-wine purchases same day in Tasting Room
  • Savings on Reserve tasting and special wine and food pairings

However, benefits vary from winery to winery, so you should call ahead if you want to know exactly what the Visa Signature perks are at a specific winery. From our experience, we received 2 for 1 tastings at the participating wineries we visited. They knew about the Visa Signature program and were friendly when we mentioned it. Each tasting sampled 6 wines, so between us, we got 12 wine tastings for $10 at 3 different wineries. That’s value!

You can see the list of over 60 wineries in Sonoma that participate in the program here. Here are the wineries we visited.

Gundlach Bundschu

The first winery we went to was Gundlach Bundschu, and the wine we tasted was top notch! It was our favorite wine of the trip. I especially enjoyed the pinot noir.

GunBun had great views of the countryside and it overlooked a pond. It was a scenic place to enjoy a bottle of wine. The tastings inside were more like drinking in a cave, but the staff was great and gave us many recommendations on other wineries to visit and restaurants to eat at.

Bartholomew Park

Bartholomew Park is the little sister winery to Gundlach Bundschu, basically their boutique. We ran into a group of 6 girls from Austin here that were having a great time, and we ended up chatting with them for a while. Always cool to run into people on vacay from where you live, but that seems to happen a lot with Austin.

Hawkes

Hawkes winery was located in Sonoma’s town square. I don’t actually think they participate in the Visa Signature program, but we were given a 2 for 1 tasting coupon from the girl helping us at Gundlach Bundschu.

We really enjoyed the chic modern design (what am I saying) of the tasting room and had a blast talking to Douglas. A perk to this spot is that they do their own olive oil in house, and it’s excellent. We went to town on the fresh bread samples and olive oil. Don’t judge, we bought a bottle.

Visa Signature Cards

You most likely already hold one, two, or maybe three Visa Signature cards in your wallet. To see if you have a Visa Signature card, just look at the bottom right corner of your card and it will have “Signature” under the Visa logo. Here’s a list of Visa Signature cards:

Chase Sapphire Preferred® Card

One of the best travel cards on the market, with transfer partners like airlines (Southwest, United, British Airways, etc.) and hotels (IHG, Hyatt), this card is incredibly flexible. And, with a sign-up bonus of 60,000 miles after spending $4,000 in the first 3 months of account opening, it’s a great way to get closer to a free vacation!

Chase Freedom®

Great benefits, including its categories of “5% cashback,” which change every quarter. If you have a Chase Sapphire card, that “cashback” becomes Ultimate Rewards points.

United℠ Explorer Card

Great for flyers of United, it will allow you to board the plane before most passengers, get lounge passes, and waive bag fees. Check your United account online, or a local Chase branch for the best offer.

British Airways Visa Signature® Card

A great card for those who fly OneWorld, since British Airways’ Avios Miles are distance-based, making short-distanced award flights a great redemption value.

Alaska Airlines Visa Signature® credit card

Alaska Airlines’ miles are great because of the breadth of partners Alaska has acquired over the years, across many alliances.

More options are:

  • Nordstrom Notes
  • Williams-Sonoma
  • Priceline Rewards Visa
  • Wyndham
  • Holland America
  • Princess
  • NFL Extra Points
  • Merrill Lynch Visa

Closing

Having a Visa Signature card can help you save money in a variety of ways, one of them being wine tastings in Sonoma. I always love finding little unexpected savings. It made our day trip to Sonoma even better.

Visa Signature

Visa Signature Cardholder Benefits

We all know every credit card is different. Whether you have the popular Chase Sapphire Preferred® Card or the Citi ThankYou Premier, the benefits you receive from them may make the difference between a normal vacation and an amazing one.

Not all cards are created equal, and the Visa Signature brand is hosting a large array of benefits across its co-branded cards that you may not be aware of. These you qualify for in addition to your other card-specific benefits. I know over the years of having a Visa Signature card, I’ve saved money from theater tickets to Fandango.

This post will outline many of those “hidden” benefits of the Visa Signature Program.

Some Examples of Benefits

Visa Signature Luxury Hotel Collection 

This is one of the best benefits that Visa Signature offers its cardholders. A select number of 4 and 5-starred hotels in many cities around the world offer you extra benefits, just for booking through Visa Signature. Often, the rate is the same or a little more for a large number of extra benefits.

In addition, if you have status with one of their loyalty programs, you’ll receive all the benefits of that as well  Some benefits include free internet, room upgrade, free breakfast, late checkout, a $25 food or beverage voucher, and VIP guest status.

Signature Events

Often, limited time (6 months, usually) offers appear on the Visa Signature page. These can range across a number of industries. Check before you book to see if your hotel is offering limited-time discounts.

Fandango BOGO

The last few summers, Visa Signature & Fandango have teamed up to give cardholders a free movie ticket after purchasing a movie ticket.

What Cards are Available in the Visa Signature Family?

As stated earlier, many cards that may already be in your wallet qualify for the above benefits. These include: 

Chase Sapphire Preferred Card

One of the best travel cards on the market, with transfer partners like airlines (Southwest, United, British Airways, etc.) and Hotels (IHG, Hyatt), this card is incredibly flexible. And, with a sign-up bonus of 60,000 miles after spending $4,000 in the first 3 months of account opening, it’s a great way to get closer to a free vacation!\

Learn more: Chase Sapphire Preferred Review

Chase Freedom

Great benefits, including its categories of “5% cashback,” which change every quarter. If you have a Chase Sapphire card, that “cashback” becomes Ultimate Rewards points.

Learn more: Chase Freedom Review

United Explorer Card

Great for flyers of United, it will allow you to board the plane before most passengers, get lounge passes, and waive bag fees. Check your United account online, or a local Chase branch for the best offer.

Learn more: United Explorer Card Review

British Airways Visa Signature Card

A great card for those who fly OneWorld, since British Airways’ Avios Miles are distance-based, making short-distanced award flights a great redemption value.

Learn more: British Airways Visa Signature® Card

Alaska Airlines Visa Signature® credit card

Alaska Airlines’ miles are great because of the breadth of partners Alaska has acquired over the years, across many alliances.

Learn more: Alaska Airlines credit card review

More options are:

  • Nordstrom Notes
  • Williams-Sonoma
  • Priceline Rewards Visa
  • Wyndham
  • Holland America
  • Princess
  • NFL Extra Points
  • Merrill Lynch Visa

Conclusion

With so many choices out there, it may be hard to choose a card. However, the benefits speak for themselves: if you travel a lot, a Visa Signature Card is incredibly worth it.

To check out all the benefits click here.

Josh Patoka

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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.

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