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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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36 Cards Available:

Credit card
Estimated Bonus Value :

$1,200

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Annual Fee: $395

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Estimated Bonus Value :

$1,200

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months

Capital One Venture X Credit Card Earn Rate

  • 10X Capital One Miles on hotels and car rentals when booked via Capital One Travel
  • 10 Miles per dollar when you book on Turo, a sharing marketplace, through May 16, 2023.
  • 5X Capital One Miles on airfare booked via Capital One Travel - which utilizes Hopper.
  • 2X Capital One Miles on everything else

Capital One Venture X Credit Card Benefits

Capital One launched this card with a laundry list of benefits which are very impressive. You'll quickly see that the annual fee is wiped out and then some by the benefits.

  • Up to a $300 credit annually for bookings made on Capital One Travel
  • 10,000 bonus miles every account anniversary (equal to $100 towards travel)
  • Unlimited access to Capital One Lounges and also to 1,300+ Priority Pass lounges internationally + two guest passes (Notably, I verified with Capital One that this is “full” Priority Pass access, meaning that it includes airport restaurant locations.
  • Up to $100 in statement credits for either TSA PreCheck or Global Entry
  • Complimentary Hertz President’s Circle status (top tier!) for primary cardholders, authorized users and account managers. The status is valid until Dec 31, 2024.
  • Primary Car Rental Collision/Damage Coverage
  • Authorized Users can be added for no fee and they also get their own Priority Pass membership.
  • Cardholders can earn up to 100,000 miles per year for referring friends, who can then experience the unparalleled benefits Venture X has to offer (up to 4 referrals per year; 25,000 miles awarded per referral)
  • No foreign transaction fees

You can transfer to several airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

If you used our Credit Cards Optimization Tool to find this card, please remember that the 10X and 5X bonus rates only apply to travel booked through the Capital One Travel Portal.

Offer: Earn 75,000 bonus miles once you spend $4,000 on purchases within your first 3 months
Credit card

Capital One Spark Miles for Business

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$800

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Annual Fee: $95

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Estimated Bonus Value :

$800

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months

This business card offers 2x on all purchases and 5X miles on hotel and rental car booked via Capital One Travel.

You can use your miles to get reimbursed for any travel purchase on your card or redeem your miles by booking a trip through Capital One Travel at a value of one cent per point for an effective 2% cash back on all purchases - or transfer them to a range of airlines and hotel partners.

It also has a $100 credit for Global Entry or PreCheck once every 5 years.

NOTES:

1) The bonus value for the early spend bonus on this card assumes you will transfer the points to miles. If you use as a rebate on travel spend, the early spend bonus value will be $500, exactly.

2) 5X on Hotels and Car Rentals applies only when you book via Capital One's own travel service. Otherwise, you will earn the standard 2X miles.

You can transfer to more than 18 airline and hotel partners. See the full list of Capital One Miles transfer partners and transfer times.

Offer: Get 50,000 Capital One miles when you spend $4,500 in your first 3 months
Credit card

US Bank Altitude® Connect Review

Annual Fee: $0 Introductory Annual Fee for the first year, then $95

Estimated Bonus Value :

$500

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Annual Fee: $95

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Estimated Bonus Value :

$500

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

Card Features:

  • 4X points (which equates to 4% cash back) on travel (including air, hotel, and cruises) and at gas stations
  • 2X points at grocery stores and on grocery delivery
  • 2X points for dining (at a restaurant or via delivery)
  • 2X points on streaming services
  • 1X point per dollar on all other eligible purchases
  • Earn a $30 annual streaming credit: When you put eligible streaming services on your card for 11 straight billing cycles, the 12th month will see a credit of up to $30.
  • Cell Phone Protection: You can get reimbursed for up to $600 if your cell phone is stolen or damaged (but lost phones are not covered) as long as you pay your monthly cell phone bill with your card. $100 deductible applies and you will be covered for a maximum of one claim per year. Protection is secondary to homeowners/renters insurance.
  • TSA PreCheck or Global Entry Credit: You'll get up to $100 in statement credits to reimburse your application fee up to once every four years.
  • No Foreign Transaction Fees.

US Bank Altitude Connect Credit Card Review

The Altitude Connect joins the Altitude Reserve and Altitude GO in the US Bank Altitude series. This card is ideal for someone that spends a lot at gas stations and travel, but does not want "complicated" transferable bank points, this card would offer excellent value due to the 4% cash back in these categories. The streaming credit isn't much, but it will get you back $30 of the $95 annual fee if you keep the card.

This card is for people with a strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $500 (in the form of 50,000 points) when you spend $2,000 in your first 120 days
Credit card

Capital One Spark Cash Plus

Annual Fee: $150

Estimated Bonus Value :

$500

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Annual Fee: $150

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Estimated Bonus Value :

$500

Offer: Earn up to a $1,000 cash bonus: Earn $500 once you spend $5,000 in the first 3 months, and another $500 once you spend $50,000 in the first 6 months of account opening

The new Capital One Spark Cash Plus replaces the older Spark Cash card and earns 2% cash back on everything. The primary difference is that the new Spark Cash Plus is a charge card with no preset spending limit, making it ideal for companies that spend a lot on their cards and tend to run into issues with credit limits.

Also, earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel

Offer: Earn up to a $1,000 cash bonus: Earn $500 once you spend $5,000 in the first 3 months, and another $500 once you spend $50,000 in the first 6 months of account opening
Credit card
Estimated Bonus Value :

$440

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Annual Fee: $0

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Estimated Bonus Value :

$440

Offer: Get 2 Hotels.com reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. (*Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.)

There are no credit card bonus categories - not even for Hotels.com itself.  All spend is equal. There are no foreign transaction fees.

For every $500 you spend, you earn a stamp. 10 stamps has a free night maximum value of $110.  If you only earn stamps through credit card spend (and not through paying for stays), then you will earn a free hotel night up to $110 in value for every $5,000 you spend.  That represents a potential value of 2.2% return on your card spend.

Simple and straightforward.

Note: The Your Best Credit Card Rewards calculator assume you will redeem for maximum value making this credit card an effective 2.2% cash back card - but only good for redemption on Hotels.com bookings. 

Offer: Get 2 Hotels.com reward nights worth $250 total (max $125 per night)*, when you spend $1,000 on purchases in the first 3 months. (*Excludes taxes and fees. If a night costs less than $125, you won’t get the difference.)
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Avianca Vida Visa Card

Annual Fee: $59

Estimated Bonus Value :

$240

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Annual Fee: $59

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Estimated Bonus Value :

$240

Offer: 20,000 Avianca miles after your first purchase

DISCONTINUED

While most will do better with the larger welcome bonus of the Avianca Vuela card, this card does come with a significantly lower annual fee and 20,000 Avianca LifeMiles.

Offer: 20,000 Avianca miles after your first purchase
Credit card
Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days

With 4% cash back on dining, including takeout and delivery, 2% back on groceries, streaming, and gas, and no annual fee, our review is that the Altitude GO is a surprisingly strong card.

Card Features:

  • 4% cash back on dining, including takeout and delivery
  • 2% cash back on grocery stores and grocery delivery, streaming services and purchases at gas stations
  • 1% cash back on everything else
  • No annual fee
  • No foreign transaction fees
  • A one-time $15 streaming service credit after 11 months of streaming service purchases.

0% Intro APR for 12 Months on the Altitude GO card

New cardmembers will get a 0% APR on new purchases and on balance transfers for 12 months. A 3% fee applies to balance transfers.

US Bank Altitude GO Credit Card Review

The bottom line is that 4% cash back on dining, including takeout, dine-in, and delivery, is extremely strong for a credit card without an annual fee. It compares to the Capital One Savor card, though that card carries an annual fee.

Beyond the 4% cash back on dining, the 2% and 1% categories aren't special, especially considering the Citi Double Cash earns 2% back on everything, all of the time. But we can't think of another card earning 4% back on dining without an annual fee.

This card is for people with a very strong credit profile. You should have a 720 or better FICO to apply for this card.

Offer: Get $200 (in the form of 20,000 points) when you spend $1,000 in your first 90 days
Credit card

Wells Fargo Active Cash

Annual Fee: $0

Estimated Bonus Value :

$200

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Annual Fee: $0

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Estimated Bonus Value :

$200

Offer: Get $200 when you spend $1,000 within 3 months.
  • 2% Cash Back on all purchases
  • 0% intro APR for 15 months after your account is opened on purchases and qualifying balance transfers (then a 14.99% to 24.99% variable APR) balance transfers made within 120 days qualify for the 0% intro APR and fee of 3%. After 120 days, it will rise to a 5% fee.
  • Receive up to $600 in protection on your cell phone (with a $25 deductible) against covered damage or theft as long as you pay your cell phone bill with your Wells Fargo Active Cash Credit Card
Offer: Get $200 when you spend $1,000 within 3 months.
Credit card
Estimated Bonus Value :

$100

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Annual Fee: $0

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Estimated Bonus Value :

$100

Offer: Get $100 bonus when you spend $1,000 in your first 90 days

This card earns a straight 2% cash back with no bonus categories to worry about and no confusing points system.

Note, however, that you must deposit your rewards into a Fidelity account in order to redeem for the full 2%.

Offer: Get $100 bonus when you spend $1,000 in your first 90 days
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: This card does not have a bonus offer at this time.

Review: For Costco members seeking pure cash back, this credit card is hard to beat!

Costco Business credit card earn rate and benefits:

  • This Costco Business credit card earns 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year.
  • Earn 3% cash back at restaurants and on travel.
  • Earn 2% cash back at Costco.
  • Get 1% cash back on everything else.
  • No foreign transaction fees.

The cashback will be awarded as an annual credit card reward certificate, redeemable for cash or merchandise at U.S. Costco warehouses, (including Puerto Rico). The certificate will be included in your February billing statement and expires on December 31st of the year issued.

** Requires a Costco membership **"

Offer: This card does not have a bonus offer at this time.
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, including EV charging stations, both at Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time
Credit card
Estimated Bonus Value :

$0

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Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

Earn 1.5% back as Bitcoin.

This is a super simple credit card designed for those that want to earn their cash back as crypto without having to convert and buy later.

With no foreign transaction fees, this card is that simple: as you spend, you'll earn 1.5% back in rewards that automatically are used to purchase Bitcoin.

They also note the following: Payments on non-purchase transactions, such as sending funds electronically to your bank account, are not eligible to earn rewards. Your bitcoin will be purchased within 1-2 statement periods from the date your payment is received. The value of the bitcoin purchase will be based on the reference rate at the time of the bitcoin purchase. Sales of bitcoin are subject to a 1.5% transaction fee which will be deducted from your sale proceeds. Sale proceeds are redeemable only in the form of statement credit.

Offer: None at this time

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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