Best Visa® Credit Cards for 2022

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Why Visa?

Visa’s are the most widely accepted credit cards on the market today — both in the United States and internationally. With many options to choose from, how do you go about choosing the right Visa card for you?

Before you review the options below, take a moment to consider your goals for your next credit card. For example: Do you want to build credit? Consolidate debt and save on interest? Or maybe cash back on everyday spending is most important to you? Clarifying your goals beforehand will streamline the process of finding your next credit card.

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Best Visa® Credit Cards

Visa Merrick Bank

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

Best for: Establishing credit
Welcome bonus: none
APR: 23.45 - 28.45% (Variable)
Annual fee: $0 - $72
Suggested credit score: Bad

Our take: If you’re brand new to credit or want to repair your score, the Merrick Bank Double Your Line™ Platinum Visa® credit card will help you do just that. The card reports to all three major credit bureaus, making it easy to boost your credit when you pay your bill on time and use your card responsibly.
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Chase Slate Edge℠

Chase Slate Edge℠

Best for: 0% Intro APR promo
Welcome bonus: Pay 0% interest on purchases, balance transfers, and My Chase Plan® fees for your first 18 months
APR: After the 0% intro APR, 14.99% - 23.74% (Variable)
Annual fee: None
Suggested credit score: Excellent/good

Our take: Need to make a large purchase but want the option of splitting up the payments completely interest-free? The Chase Slate Edge℠ has what you’re looking for. You pay a 0% intro APR on all purchases and balance transfers and no startup fees with My Chase Plan® for your first 18 months.
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Journey Student Rewards from Capital One

Journey Student Rewards from Capital One

Best for: Students, building credit
Welcome bonus: none
APR: 26.99% (Variable)
Annual fee: None
Suggested credit score: Good/Fair/Limited

Our take: The Journey Student Rewards from Capital One is one card you want to have in your backpack. Students can earn 1% cashback on their spending, and $5 each month they use their card to pay for select streaming services such as Hulu, Netflix, and Spotify.
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Southwest Rapid Rewards® Premier Credit Card

Southwest Rapid Rewards® Premier Credit Card

Best for: Frequent travelers
Welcome bonus: Earn up to 40,000 bonus points when you spend $1,000 on your card in your first three months as a cardholder
APR: 15.99% - 22.99% (Variable)
Annual fee: $99
Suggested credit score: Excellent/good

Our take: If you’re a loyal Southwest flyer, you don’t want to take off without the Southwest Rapid Rewards® Premier credit card. With this card, you earn 3X points on your Southwest travel and receive 40,000 bonus points after spending $1,000 in your first three months. Though this card offers valuable perks for frequent Southwest travelers, their point system attracts all types of consumers.
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First Access Visa

First Access Visa® Card

Best for: Building and repairing credit
Welcome bonus: none
APR: 34.99%
Annual fee: $75 your first year, then $48
Suggested credit score: Bad/Limited

Our take: The First Access Visa® card is an option to consider for those looking to build their credit. The approval process is easier than many other options, and those with bad credit may have better luck getting approved for the First Access card than other Visa cards.
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Not sure which credit card is right for you?

No worries, we've got you covered! Compare multiple credit card options to choose the best card for your needs.

What is a Visa?

Visa offers the largest network of credit cards in the world. Over 340 million Visa cards are circulating within the United States alone, and over 730 million globally. Visa is a highly respected and reputable company, with its headquarters in California. They are known for their large credit card selection; however, they also offer debit and prepaid cards.

How to apply for a Visa credit card

Once you’ve compared the benefits of various Visa cards and are ready to submit your application, simply click the green “Apply Now” button next to the card you’re looking for. The link will bring you directly to our partner’s website to complete the rest of the process. 

How can I get a Visa card?

To get a Visa card, you will need to fill out a credit application. The form will ask you for basic information such as your name, current, prior addresses, social security number. You also may be asked for your income. If you don’t know the exact number, estimate it the best you can. Being as accurate as possible will help avoid delays in processing your application and potentially boost your approval odds. 

What is the best Visa credit card?

There are hundreds of Visa cards on the market today. Therefore, finding the perfect card for your needs can be challenging. Here are some questions to think about to help choose the right card for you.

  • What are my goals for my next credit card?
  • Do I want the longest 0% intro APR or better cashback?
  • What’s my credit score? Which cards am I more likely to be approved for?

Is Visa credit card international? 

Yes, Visa credit cards are widely accepted in the United States and internationally. However, some Visa cards may carry foreign transaction fees, so be sure to factor that cost in before using your card abroad. 

Which is a better credit card, Visa or Mastercard?

Visa and Mastercard are both highly trustworthy companies with long track records of success. Both companies offer similar benefits; however, Visa has a slight edge in global acceptance and features such as emergency roadside dispatch and the Visa Signature Concierge service. 

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