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Visa Credit Cards

The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. The most popular cards offer big sign-up bonuses ($500 or more) and/or great rewards for spending, particularly in high-volume categories, like travel or dining. But your needs may differ: Some cards offer zero interest or no annual fees, while others get you primary rental insurance.

For most people, it doesn’t matter if the issuer is Visa or Mastercard, but the benefits do slightly vary based on type of card. For instance, Visa Signature credit card benefits are different than Mastercard Infinite card benefits. 

Whatever benefit you’re looking for, we’ve got a great card to fit the bill. The cards below are listed in the order of their total bonus offer values.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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35 Cards Available:

Credit card

United Business Card

Annual Fee: $99

Estimated Bonus Value :

$1,800

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Annual Fee: $99

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Estimated Bonus Value :

$1,800

Offer: Up to 150,000 MileagePlus Miles! Earn 75,000 miles when you spend $5,000 in 3 months plus earn an additional 75,000 miles when you spend $20,000 total in your first 6 months.

Allows for a free checked bag, priority boarding, 2 United Club one-time passes each card anniversary, the Luxury Hotel and Resort Collection, access to United MileagePlus events, and expanded economy award availability.

The United Business Card offers bonus categories of 2x on office supply stores, restaurants, and gas stations, local transit and commuting, including taxicabs, mass transit, tolls, and ride share services as well as on United itself, of course. It also offers 10,000 bonus miles and a PQD waiver upon spending $25,000.

Perhaps best of all, cardholders get access to expanded saver award availability.

Additional benefits:

  • $100 annual United travel credit after 7 United purchases over $100
  • Receive 5,000 bonus miles each card anniversary if you have both the United Business card and a personal United credit card
  • Get 25% back on United inflight purchases

Need to Know: The calculations for this card assume that your "airfare" spend is on United only. If a portion of your airline spend is on other airlines, your reward values will be slightly lower than stated.

Also, if you used our rewards optimizer tool and are seeing this in your results, "Other Travel" refers to local transit and commuting - including taxis, mass transit, tolls, and ride share services.

Bonus Eligibility: 

This card has replaced the United MileagePlus Explorer Business Card and is considered a new / different card for purposes of the bonus. If you have/had the United MileagePlus Explorer Business Card, you can still get this bonus.

Per the Chase website: This new Cardmember bonus offer is not available to either (i) current Cardmembers of this business credit card, or (ii) previous Cardmembers of this business credit card who received a new Cardmember bonus for this business credit card within the last 24 months.

Also Note: You will only be approved for a Chase card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.

Offer: Up to 150,000 MileagePlus Miles! Earn 75,000 miles when you spend $5,000 in 3 months plus earn an additional 75,000 miles when you spend $20,000 total in your first 6 months.
Credit card

Chase Ink Preferred

Annual Fee: $95

Estimated Bonus Value :

$1,750

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Annual Fee: $95

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Estimated Bonus Value :

$1,750

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.

The Chase Ink Preferred credit card earns 3x Ultimate Rewards points on all travel, advertising, and shipping, as well on Internet, cable and phone services, up to $150,000 a year.

If your business spends a lot in any of these categories, you can earn a ton of points.

It also earns 5X Ultimate Rewards points on Lyft rides.

You'll get complimentary cell phone insurance when you pay your cell phone bill with this card. (See Chase website for details). No foreign transaction fees.

Offer: Get 100,000 Ultimate Rewards points as a bonus when you spend $15,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$1,750

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Annual Fee: $95

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Estimated Bonus Value :

$1,750

Offer: 100,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $1,250 towards travel!

Perhaps the best "starting out card" in miles and points.

The Chase Sapphire Preferred has a low annual fee, unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners, comes with excellent built-in trip delay insurance, primary car rental CDW coverage and earns 2x points on travel and dining.

Chase Sapphire Preferred Card Earn Rate:

  • 5X Chase Ultimate Rewards points on Lyft rides though March 2022
  • 2X Ultimate Rewards points on travel and dining
  • 1X Ultimate Rewards on all other purchases

Chase Will Let you “Pay Yourself Back”

Chase Sapphire Preferred cardmembers can always use their points to book travel via the travel portal where they get 1.25 cents per point.

Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.25 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

The only requirement is that the merchant category be in one of the specified categories and you must “Pay yourself back” within 90 days of purchase. This feature will be on the card until at least April 2021.

Chase Sapphire Reserve cardmembers get the same opportunity, but at a higher 1.5 cents per point cash-out rate.

If you apply for a Chase credit card and don't get an instant approval, you may want to call the Chase reconsideration line.

Note: You will only be approved for a Chase credit card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One and Discover, but are subject to the policy). Learn more about the 5/24 rule here.

You also cannot be approved for a Sapphire Preferred if you currently have this card or a Sapphire Reserve card and/or if you have received a bonus on this card in the past 48 months. 

Offer: 100,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $1,250 towards travel!
Credit card
Estimated Bonus Value :

$1,313

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Annual Fee: $0

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Estimated Bonus Value :

$1,313

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months

The simplest of the Chase Business cards, it earns a flat 1.5x Ultimate Rewards points for every dollar spent on the card except Lyft rides, where it earns 5X points through March 2022.

It is best used in conjunction with a Chase Ultimate Rewards card that is enabled for points transfers to airline/hotel partners, such as the Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve, as you can transfer points from this product to one of those.

0% APR Intro Offer

Get 12 months of 0% Interest on new purchases your new card account for 12 months (Terms apply).

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months
Credit card

Chase Ink Business Cash

Annual Fee: $0

Estimated Bonus Value :

$1,313

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Annual Fee: $0

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Estimated Bonus Value :

$1,313

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months

This card generously offers an excellent 5x on up to $25,000 annually at office supply stores and on internet, cable, and phone services as well as 5X on Lyft rides. It also offers 2x on up to $25,000 annually at gas stations and restaurants.

Businesses with a lot of spend at office supply stores like Staples and Office Depot can really clean up.

Please note: The Estimated Rewards Value of an Ultimate Rewards point earned from this card assumes that you have a Chase Ink Preferred, Chase Sapphire Preferred, or Chase Sapphire Reserve as well, which allows portal redemptions worth 1.25 - 1.5 cents per point and the opportunity for even greater value with airline and hotel transfer partners. If you do not have one of these other Chase cards, points would be worth a flat 1 cent per point and this bonus would be worth exactly $500.

Offer: Get $750 in the form of 75,000 Ultimate Rewards points when you spend $7,500 in your first 3 months
Credit card

United Quest Credit Card

Annual Fee: $250

Estimated Bonus Value :

$1,200

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Annual Fee: $250

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Estimated Bonus Value :

$1,200

Offer: Get 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months and an additional 20,000 bonus miles after you spend $10,000 in the first 6 months.

United Quest Earn Rate

  • 3X United miles on United purchases.
  • 2X on other travel (like air, hotel, and car rentals). (Recall, though, that you can earn 3X points on any airline in the world with a Chase Sapphire Reserve or 2X on any airline in the world with a $95 annual fee Chase Sapphire Preferred.
  • 2X miles on dining and streaming services.
  • Everything else earns just 1 mile per dollar.

United Quest Benefits

  • Two 5,000 mile award flight credits each year after account anniversary. Essentially, you will get 5,000 miles “back” after you book an award flight.
  • $125 annual United purchase credit. This is a statement credit against UA purchases like airfare as well as things you can buy that are related to a flight, like checked bag fees, upgrades, seats, and Wifi.
  • Earn 500 PQP for every $12,000 in card spend, up to 3,000 PQP in a Calendar Year - valid up to 1K status as long as the required PQF requirements are also met.
  • 2 free checked bags
  • Priority boarding
  • $100 in Global Entry or TSA Precheck once every 4 years.
  • No foreign transaction fees
  • Premier upgrades on award tickets. Prioritized after the lowest paid fare class, a Premier member with this card will get upgraded on award tickets.
  • 25% statement credit on onboard purchases (food, drinks, and wifi)
  • Trip Cancellation / Interruption insurance
  • Trip Delay reimbursement
  • Primary car rental collision / damage waiver
  • Purchase protection
  • Roadside assistance

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 3X. Other airfare earns 2X. If part of that spend is on other airlines, that spend will earn only 2x on this card, reducing the value of your rewards.

Offer: Get 80,000 bonus miles after you spend $5,000 on purchases in the first 3 months and an additional 20,000 bonus miles after you spend $10,000 in the first 6 months.
Credit card
Estimated Bonus Value :

$1,150

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Annual Fee: $95

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Estimated Bonus Value :

$1,150

Offer: Get 100,000 bonus Avios after you spend $5,000 within the first 3 months.

As part of the bonus offer, new applicants will get a special offer of 5x Avios on British Airways, Aer Lingus, Iberia, and LEVEL flights for 12 months as well as 3x Avios on hotels for 12 months.

After your first year, this card earns 3x Avios on British Airways, Iberia, LEVEL, and Air Lingus and 2x Avios on hotels booked directly with the hotel.

Also receive 10% off all British Airways flights that originate in the United States. (Must book through a special website provided with your new card.)

Earn a Travel Together Ticket, good for bringing a companion for just the taxes and fees when you redeem a reward flight for yourself, when you spend $30,000.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on British Airways, Iberia, LEVEL, and Aer Lingus. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: Get 100,000 bonus Avios after you spend $5,000 within the first 3 months.
Credit card
Estimated Bonus Value :

$1,120

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Annual Fee: $199

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Estimated Bonus Value :

$1,120

Offer: Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.

This card is all about being half of the one-two card combo needed to earn Southwest Companion Pass for two years with just two credit cards.

The premium version of the Southwest Rapid Rewards Premier Business Credit Card, this card offers 9,000 bonus Rapid Rewards points each cardmember anniversary, has multiple spending bonus categories, and includes benefits like 4 upgraded boardings per year, in-flight Wifi credits and Global Entry / PreCheck fee credits.

Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 3x points. If you also fly another carrier, you will only earn 1x points for those purchases.

Offer: Get 80,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months.
Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $550

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Estimated Bonus Value :

$1,050

Offer: 60,000 Ultimate Rewards points when you spend $4,000 in 3 months

The card that re-revolutionized points-earning credit cards, the Chase Sapphire Reserve is a high-end travel rewards card that unlocks transfers from this and any linked Chase Ultimate Rewards-earning card to airline and hotel partners and offers rich benefits for a frequent traveler.

It offers 3x Ultimate Rewards points on travel and dining. It provides a 50% boost in point value within the Chase portal and you get an annual $300 travel credit each card year which greatly offsets the card's annual fee.

New Lyft and DoorDash Benefits:

  • Earn 10X Ultimate Rewards points on Lyft rides through March 2022.
  • Get a one-time complimentary Lyft Pink (15% Lyft discounts, free bike/scooter rentals each month, and better cancellation rules). ($19.99 / month value)
  • Get $60 in DoorDash credits this year (2021).
  • Get free DashPass to get free DoorDash deliveries at select restaurants with $12 or more in your order and decreased service charges.

Chase Will Let you “Pay Yourself Back”

Chase Sapphire Reserve cardmembers can always use their points to book travel via the travel portal where they get 1.5 cents per point.

Now, you can redeem in the same manner for grocery stores, home improvement stores and dining, including restaurants, takeout and eligible delivery services. Instead of using a “portal” to make the purchases, you just pay as you normally would and then go into the Chase website to “pay” for that purchase with points. You will get the same 1.5 cents per point in value as you get booking travel. The feature is branded “Pay Yourself BackSM“. 

Offer: 60,000 Ultimate Rewards points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$900

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Annual Fee: $95

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Estimated Bonus Value :

$900

Offer: Earn 3 Free Nights worth up to 50,000 Bonvoy points each when you spend $3,000 within 3 months + earn 10X total points in select categories for 6 months. Terms apply.

Earn Marriott points for purchases. Earn 6x at Marriott and SPG and 2x everywhere else. Get a Free Night Award, 15 elite credits, and Silver status every year.

NOTE: In valuing your potential rewards from this card, we assumed that all spend from Hotels is at Marriott brands, which earn 6x points. If some of your hotel spend is at other hotel brands, your actual rewards will be somewhat lower.

Offer: Earn 3 Free Nights worth up to 50,000 Bonvoy points each when you spend $3,000 within 3 months + earn 10X total points in select categories for 6 months. Terms apply.
Credit card

United Club Infinite Card

Annual Fee: $525

Estimated Bonus Value :

$900

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Annual Fee: $525

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Estimated Bonus Value :

$900

Offer: 75,000 bonus MileagePlus miles when you spend $3,000 in your first 3 months

Includes United Club membership, two free checked bags, Premier Access (including priority boarding, priority check-in, priority baggage handling, etc), and expanded award availability.

The card also provides a Global Entry / PreCheck credit of up to $100

You can earn a PQD waiver with $25,000 spend.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on United, which earns 4X. If part of that spend is on other airlines, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 75,000 bonus MileagePlus miles when you spend $3,000 in your first 3 months
Credit card
Estimated Bonus Value :

$840

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Annual Fee: $99

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Estimated Bonus Value :

$840

Offer: 60,000 bonus Southwest Rapid Rewards points when you spend $3,000 within 3 months

Useful in conjunction with a personal card to get the Southwest Companion Pass. Get 6,000 Rapid Rewards points every card anniversary. Earns 2x points on Southwest purchases.

Note: Our rewards calculator and Estimated Rewards Values assume all of your "Airfare" is on Southwest and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases.

Offer: 60,000 bonus Southwest Rapid Rewards points when you spend $3,000 within 3 months
Credit card

United Explorer Card

Annual Fee: $95

Estimated Bonus Value :

$840

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