We can help. Based on our thorough analysis and review of real consumer reviews, these are the best Visa credit cards for 2022. The APR depends on Prime rates, plus a margin of 8.99% to 18.99%, and can fluctuate based on market conditions. They currently begin at 12.24% for qualified customers. To help you save money, there are no foreign transaction fees and no annual fee, plus Visa’s $0 fraud liability guarantee and personal identity theft protection. Pros
Multiple benefitsUnlimited rewardsNo annual or foreign transaction fees
Cons
No intro offerGood credit requiredNot designed for big spenders
There are no foreign transaction fees, but you will have to pay an annual fee of $95 each year. It is easy to purchase through Capital One Shopping and Capital One Travel when it comes time to redeem your rewards. Pros
Introductory bonusExtra travel perksNo foreign transaction fees
Cons
Excellent credit requiredNot for the occasional travelerAnnual fee
There is an annual $50 statement credit that you can use toward hotel stays. Plus, you get 10% more bonus points based on your annual earnings at year’s end. You will earn 5x the points on travel purchased through Chase Ultimate Rewards, excluding your $50 Anniversary Hotel Credit. There are also 3x points on dining, including your dine-in, takeout, and delivery orders. With the exception of Target, Walmart, and wholesale clubs, your online grocery purchases will earn your 3x the points, as well. You will also receive 2x points on other travel not booked through Chase, plus 1x the points for all other purchases. Pros
Sign-up bonusPremium benefitsFlexible redemption
Cons
No introductory APRBest rewards through ChaseAnnual fee
There is a variable APR of 20.49% - 25.49%, combined with an annual fee of $95. Extra business-friendly services like fraud and purchase protection and free additional employee cards when you need them are included. You can even set limits for each employee card to ensure you make those financial budgets. Pros
Intro offerNo foreign transaction feeBonus categories
Cons
Annual fee appliesNo intro APRHigh transfer and advance fees
Your credit limit is determined by the deposit you pay upfront as a secured credit card. OpenSky allows for credit cards between $200 and $3,000, depending on how much you put down. There is a reasonable 21.89% variable APR, which is much lower than other credit cards for poor credit. Pros
No credit checkNew or poor credit acceptedReasonable APR
Cons
Requires depositNo intro APRNo rewards
APR: A credit card’s APR is important because it determines how much interest you will pay on each purchase. Our analysis includes not only any introductory or promotional APRs but also the ones you will face when the promo period ends. Rewards: Many credit cards offer special rewards, such as travel miles or cashback, when you spend a certain amount. It is important to consider both any starter rewards you may receive and any regular, ongoing rewards that do not have an expiration date.Approval: We consider the approval process, including credit score and application process to determine how likely you are to be approved for each of the best credit cards.
Before you choose a credit card, we highly recommend shopping and comparing multiple credit cards in order to find the best Visa credit card for you.
Bank of America® Customized Cash Rewards credit card: Enjoy customizable cashback rewardsCapital One Spark Cash Plus: Cashback for small businessesChase Freedom Unlimited®: Best for bonus categoriesChase Sapphire Reserve®: Premium travel perksPlatinum Rewards Visa Signature® Card: Great for gasU.S. Bank Visa® Platinum Card: Best for low interest
For more help in choosing the right credit card for you, consider our picks for the best crypto credit card, the best credit cards for small business, and the most exclusive credit cards that 2022 has to offer.
