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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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24 Cards Available:

Credit card

Chase Ink Preferred

Annual Fee: $95

Estimated Bonus Value :

$1,400

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Annual Fee: $95

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Estimated Bonus Value :

$1,400

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

$1,400

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Annual Fee: $199

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Estimated Bonus Value :

$1,400

Offer: Up to 100,000 points: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months and 30,000 additional points if you spend $25,000 within 6 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.

In fact, you can qualify for the Southwest Companion Pass in one shot by meeting the bonus offer of spending $25,000 within 6 months.

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: Up to 100,000 points: Get 70,000 Bonus Rapid Rewards points when you spend $5,000 in your first 3 months and 30,000 additional points if you spend $25,000 within 6 months.
Credit card

United Business Card

Annual Fee: $99

Estimated Bonus Value :

$1,200

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Annual Fee: $99

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Estimated Bonus Value :

$1,200

Offer: 100,000 bonus United MileagePlus miles when you spend $10,000 in your first 3 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: 100,000 bonus United MileagePlus miles when you spend $10,000 in your first 3 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 50,000 bonus Avios after you spend $3,000 within the first 3 months and an additional 50,000 bonus Avios if you spend $20,000 total within your first year

This card earns 3x Avios on British Airways, Iberia, LEVEL, and Air Lingus.

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 50,000 bonus Avios after you spend $3,000 within the first 3 months and an additional 50,000 bonus Avios if you spend $20,000 total within your first year
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 50,000 bonus Avios after you spend $3,000 within the first 3 months and an additional 50,000 bonus Avios if you spend $20,000 total within your first year

The Iberia credit card offers yet another way to earn Avios, even if you already carry the British Airways credit card.

Iberia Credit Card Earn Rate

  • Earn 3 Avios per dollar pent on Iberia purchases,
  • Earn 2 Avios per dollar spent on hotel accommodations
  • Earn 1 Avios per dollar spent on any other purchases.

Iberia Credit Card Benefits

  • 10% off of any Iberia flight. (Must buy the flights at Iberia.com/Chase10 using your Iberia Visa card)
  • When you spend $30K on purchases on your Iberia Visa card in a year, you'll receive a discount voucher of $1,000 to use toward two tickets on the same flight.
  • No foreign transaction fees
  • Using this card at least once every 36 months (or any Avios transaction) will keep your Avios from expiring
  • Avios can be transferred into British Airways Avios or Aer Lingus Avios via Avios.com.

NOTE: In calculating your rewards for this card, we are making the assumption that all airfare entered is spent on  Iberia, which earns 3X Avios. 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 50,000 bonus Avios after you spend $3,000 within the first 3 months and an additional 50,000 bonus Avios if you spend $20,000 total within your first year
Credit card
Estimated Bonus Value :

$1,050

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Annual Fee: $95

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Estimated Bonus Value :

$1,050

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

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
  • 2X Ultimate Rewards points on travel and dining
  • 1X Ultimate Rewards on all other purchases

Limited Time Chase Sapphire Preferred Bonus Categories - July 1st - September 30, 2020 Only

  • Earn 5X Ultimate Rewards points for Streaming Services
  • Earn 3X Ultimate Rewards points at Gas Stations
  • Earn 3X Ultimate Rewards points for Instacart
  • Get up to $50 in Instacart Express credits
  • Qualifying Streaming Services are listed as: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV.
Offer: 60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months
Credit card
Estimated Bonus Value :

$875

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Annual Fee: $0

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Estimated Bonus Value :

$875

Offer: Get $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 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.

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 $500 in the form of 50,000 bonus Ultimate Rewards points when you spend $3,000 in 3 months
Credit card

Chase Sapphire Reserve

Annual Fee: $550

Estimated Bonus Value :

$875

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Annual Fee: $550

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Estimated Bonus Value :

$875

Offer: 50,000 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
  • 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 each year (2020 and 2021).
  • Get free DashPass to get free DoorDash deliveries at select restaurants with $12 or more in your order and decreased service charges.

Limited Time Chase Sapphire Reserve Bonus Categories - July 1st - September 30, 2020 Only

  • Earn 10X Ultimate Rewards points for Streaming Services
  • Earn 5X Ultimate Rewards points at Gas Stations
  • Earn 5X Ultimate Rewards points for Instacart
  • Get up to $50 in Instacart Express credits
  • Qualifying Streaming Services are listed as: Disney+, Hulu, ESPN+, Netflix, Sling, Vudu, Fubo TV, Apple Music, SiriusXM, Pandora, Spotify, YouTube TV.
Offer: 50,000 Ultimate Rewards points when you spend $4,000 in 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
Estimated Bonus Value :

$800

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Annual Fee: $95

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Estimated Bonus Value :

$800

Offer: Up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.

Earn 4x World of Hyatt points at Hyatt, 2x at restaurants, airline tickets purchased directly, local transit and commuting, and fitness club and gym memberships.

The Hyatt card gives you a Category 1 - 4 night every card year at renewal and you can earn a second one with $15,000 spend. Additional benefits include automatic Discoverist status and 5 elite nights credited each calendar year as well as the ability to earn 2 elite nights for every $5,000 in purchases.

Keep in mind that all points earned on a Chase Sapphire Reserve or Chase Sapphire Preferred can also be transferred to World of Hyatt at a 1 to 1 ratio.

NOTE: In calculating your rewards for this card, we are making the assumption that all Hotel spend entered is spent on Hyatt. If part of that spend is on other hotel chains, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: Up to 50,000 bonus World of Hyatt Points: 25,000 Bonus Points when you spend $3,000 in your first 3 months and 25,000 more when you spend $6,000 total within the first 6 months.
Credit card
Estimated Bonus Value :

$625

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Annual Fee: $89

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Estimated Bonus Value :

$625

Offer: 125,000 bonus points when you spend $3,000 within three months of approval

The IHG credit card offers an annual anniversary free night, the fourth reward night free whenever you redeem for 4 or more nights, and Platinum status.

Earn 10x at IHG and 2x at gas stations, grocery stores, and restaurants. Also earn 10,000 bonus points when you spend $20,000 plus one additional purchase each card year.

NOTE: In calculating your rewards values for this card, we are making the assumption that all Hotel spend entered is spent on IHG. If part of that spend is on other hotels, that spend will earn only 1x on this card, reducing the value of your rewards.

Offer: 125,000 bonus points when you spend $3,000 within three months of approval
Credit card
Estimated Bonus Value :

$560

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Annual Fee: $69

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Estimated Bonus Value :

$560

Offer: Earn 40,000 points after spending $1,000 in your first 3 months

This is the entry-level Chase Southwest card and has the lowest annual fee of the three. Get 2x points on Southwest flights and 3,000 points per card anniversary in exchange for your annual fee each year.

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: Earn 40,000 points after spending $1,000 in your first 3 months
Credit card
Estimated Bonus Value :

$560

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Annual Fee: $99

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Estimated Bonus Value :

$560

Offer: Earn 40,000 points after spending $1,000 in your first 3 months

A mid-level personal Southwest card with a modest annual fee. Get 6,000 points per card anniversary and 2x points on Southwest flights.

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: Earn 40,000 points after spending $1,000 in your first 3 months
Credit card
Estimated Bonus Value :

$560

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Annual Fee: $149

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Estimated Bonus Value :

$560

Offer: Earn 40,000 points after spending $1,000 in your first 3 months

This premium-level Southwest card comes with extra benefits for loyal Southwest flyers. Get 7,500 points, a $75 Southwest credit, and 4 upgraded boarding positions each card anniversary.

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: Earn 40,000 points after spending $1,000 in your first 3 months
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Avianca Vuela Visa Card

Annual Fee: $149

Estimated Bonus Value :

$480

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Annual Fee: $149

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Estimated Bonus Value :

$480

Offer: Earn 40,000 Bonus Avianca LifeMiles after you use the card one time

While not a card typically on most people's radar, this card and its sister, the Avianca Vida card, are an interesting proposition for two reasons.

1) The Welcome offer essentially allows you to buy 40,000 LifeMiles for the $149 annual fee, or less than half a cent per mile.

2) Many people have been locked out of the more conventional program's affiliated cards, for reasons such as Chase's 5/24 rule. This card is issued by Banco Popular.

Balance Transfer Offer

Get 12 months of 0% APR interest rates when you transfer a balance. (Terms apply.)

NOTE: Our rewards calculator and Estimated Rewards Values assume all "Airfare" is on Avianca and is therefore counted at 2x points. If you also fly another carrier, you will only earn 1x points for those purchases and your Reward Values would be lower than indicated.

Offer: Earn 40,000 Bonus Avianca LifeMiles after you use the card one time
Credit card
Estimated Bonus Value :

$450

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Annual Fee: $95

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Estimated Bonus Value :

$450

Offer: Get 75,000 Marriott Bonvoy points when you spend $3,000 in your first 3 months

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: Get 75,000 Marriott Bonvoy points when you spend $3,000 in your first 3 months
Credit card

Chase Freedom Credit Card

Annual Fee: $0

Estimated Bonus Value :

$350

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Annual Fee: $0

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Estimated Bonus Value :

$350

Offer: Earn 20,000 Bonus Ultimate Rewards points (can be redeemed for $200) when you spend $500 within 3 months

A no-fee Chase card with rotating 5x Ultimate Rewards points earning categories. The categories change every 3 months and vary from gas to drug stores and anything in between. This card is excellent to have in conjunction with a Chase Sapphire Reserve or Chase Sapphire Preferred, both of which unlock transfers to airlines and hotels and an ability to combine your points between them.

Because the 5% bonus categories rotate, we cannot factor this into your spend. Therefore, your actual rewards will be higher than shown.

New: The Chase Freedom now earns 5X points on Lyft rides, every day.

This card is best combined with a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred to unlock the power of transfer partners.

NOTE: This card can be used as cash back or as an Ultimate Rewards points card. In valuing your rewards, we assume you also have a Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred. You can then transfer points from this card to one of those to unlock the power of transfer partners. If you have this card without one of the above cards, your rewards value will be lower with each point worth exactly 1 cent.

Offer: Earn 20,000 Bonus Ultimate Rewards points (can be redeemed for $200) when you spend $500 within 3 months
Credit card
Estimated Bonus Value :

$263

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