While shopping for a credit card, it is easy to get confused by the prospect of cards that you want. As, today, you can find a card for almost anything and for different kinds of people, you need to find the right way to narrow down your epic search for a credit card.
So, how about going on the hunt for the best Visa credit cards in the U.S.? That will certainly narrow down your search to a few cards.
A deep dive in the internet and through a number of reviews, we have come up with the below list that you definitely should check out. Info on the benefits, the rates among others that concern these Visa cards can also be found here. Read on to learn about them.
Chase Sapphire Preferred® Card
The first credit card that you should be looking at when it comes to Visa cards in the US is the Chase Sapphire Preferred. As part of the signing up bonus, you earn 60,000 points when you spend at least $4,000 in your first 90 days of owning the card.
The redeeming process is quite simple as well as you can redeem that amount from $750 for your travel. In terms of fees, you have an annual fee of $95, an interest rate of 15.99% – 22.99%, a 0% fee for foreign transactions.
The balance transfer APR is 15.99% – 22.99%, and the cash advance APR is 24.99%. The balance transfer fee is $5 or 5%, whichever is greater. The cash advance fee is $10 or 5%, whichever is greater. Their mailing address is 270 Park Avenue, New York, NY.
Journey® Student Rewards from Capital One®
From Capital One, you also have a Visa card that is quite preferred by a number of people. You, however, need to have a credit score of around 580 – 850. One of the rewards you earn with this card is 1.25% cashback on your purchases.
There are no annual fees for this card, a 26.99% interest rate, a cash advance APR of 26.99%, no transfer fee, and a cash advance fee of $10 or 3%, whichever is greater. Their mailing address is 1680 Capital One Drive McLean, VA 22102-3491.
Chase Freedom Unlimited®
When you spend $500 on purchases within the first 3 months of opening the account, you get $200 back. On every purchase, you earn an unlimited 1.5% cashback on it.
0% intro on purchases for the first 15 months of opening your account, afterwards, interest rate is 14.99% – 23.74%. Balance transfer APR is 14.99% – 23.74%, and cash advance APR is 24.99%.
There is no annual fee, a balance transfer fee of $5 or 5%, whichever is greater, and a cash advance fee of $10 or 5%, whichever is greater. On your foreign transactions, you have a 3% fee charged on it. Their mailing address is 270 Park Avenue, New York, NY.
Wells Fargo Cash Wise Visa® Card
The other card that you should be looking at when it comes to Visa credit cards in the US is this Wells Fargo Cash Wise. When you spend up to $500 in your first 90 days of opening your account, you earn $150 cashback.
On your purchases, you have 0% intro for 15 months. The APR charged for the card is at 14.49% – 24.99%. The APR for balance transfers is 14.99% – 24.99%, and the APR for cash advances is 23.99% – 25.99%.
There is no annual fee, balance transfer fees are $5 or 3%, whichever is greater for first 120 days, then it is 5% with a minimum of $5. Cash advance fees are $10 or 5%, whichever is greater, and foreign currency conversion fee is 3%. Their mailing address is 11199 Montgomery Boulevard, N.E.
Capital One® VentureOne® Rewards Credit Card
This card too has no annual fees associated with it. You have a variable APR attached to the card will be 15.49%, 21.49%, or 25.49% based on creditworthiness. The intro purchase APR is 0% for first 12 months.
APR for balance transfers will be 15.49%, 21.49%, or 25.49% based on creditworthiness, and APR for cash advances is 25.49%. Balance transfer fees are 3%, and cash advance fees are $10 or 3%, whichever is greater. Their mailing address is 1680 Capital One Drive McLean, VA 22102-3491.
There are a number of cards that you can choose from when looking for a Visa card, but by far these are some of the best that you should look at.
Disclaimer: There are risks involved when applying for and using credit products. Ensure you consult the bank’s terms and conditions page before agreeing to anything.