Best Visa Credit Cards Of May 2024

The Prime Visa offers top-notch cash-back rewards and an array of solid benefits for those who spend plentifully at Amazon.com and Whole Foods Market.

Rewards: Earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel purchases with an eligible Prime membership, 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and 1% back on other purchases.

Welcome offer: Earn $100 Amazon gift card upon approval with an eligible Prime membership.

Annual fee: $0

Other benefits and drawbacks: This card is extremely unique in its ability for cardholders to choose between earning generous rewards or opting for the payment plan promotion on eligible Amazon purchases. It’s also a decent option for travelers who don’t want to earn travel rewards specifically, with no foreign transaction fees and a selection of trip protections such as lost luggage reimbursement, auto rental collision damage waiver and travel accident insurance.

Make your finances easier with flat-rate cash-back rewards on the Chase Freedom Unlimited®. Nearly all purchases earn a more-than-fair 1.5 points per dollar (some earn more!) which can be redeemed for cash or combined with Chase Ultimate Rewards® balances on other cards.

Rewards: Earn 5% cash back on travel purchased through Chase Travel℠, 3% cash back on eligible dining and drugstores and 1.5% on all other purchases, plus an additional 1.5% cash back on the first $20,000 in purchases the first year.

Welcome offer: Earn an additional 1.5% cash back on up to $20,000 spent in the first year, worth up to $300 cash back.

Annual fee: $0

Other benefits and drawbacks: With no annual fee, a welcome bonus and an introductory APR offer, this card really has it all. It even comes with a 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies. All of this makes it a great standalone card but it has the prospect to get even better for customers who also have premium Ultimate Rewards cards like one of the Chase Sapphire cards. Then, you can access even more reward redemption options at potentially higher values.

For those looking to earn decent travel rewards without paying an exorbitant annual fee, the Chase Sapphire Preferred® Card may be the right fit.

Rewards: Earn 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases.

Welcome offer: Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Annual fee: $95

Other benefits and drawbacks: The Sapphire Preferred offers trip cancellation and interruption insurance, primary auto rental collision damage waiver, purchase protection, extended warranty protection, baggage delay insurance and trip delay reimbursement among other benefits.

Cardholders can redeem points for one cent each as statement credits or a deposit into your bank account. Points are worth 25% more toward travel when redeemed through the Chase Travel site. Another option to put your points to good use is to transfer them to one of Chase’s many airline and hotel travel transfer partners.

The Capital One Venture X Rewards Credit Card (rates & fees) doesn’t come cheap, but it does come heavily loaded with benefits that can make it well worth the cost.

Rewards: Earn 2 miles per dollar on all eligible purchases, 5 miles per dollar on flights booked through Capital One Travel, 5 miles per dollar on Capital One Entertainment purchases through 12/31/25 and 10 miles per dollar on hotels and rental cars when booking via Capital One Travel.

Welcome Offer: Earn 75,000 bonus miles after spending $4,000 on purchases within the first three months of account opening.

Annual Fee: $395

Other Benefits and Drawbacks: With $300 back in annual credit for bookings through Capital One Travel and 10,000 bonus miles (equal to $100 toward travel) every year starting on the first anniversary, the Venture X starts strong and stays strong.

The Capital One Lounge and Priority Pass Lounge access are great too. Other valuable travel benefits include a TSA PreCheck® or Global Entry reimbursement credit of up to $100, no foreign transaction fees and over 15 travel loyalty program points transfer partners.

Not only does the Chase Sapphire Reserve® earn awesome rewards through the Chase Ultimate Rewards® program, but this Visa Infinite card comes packed to the gills with travel perks, including best-in-class trip protections.

Rewards: Earn 5 points per dollar on flights and 10 points per dollar on hotels and car rentals when purchasing travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3 points per dollar on other travel and dining and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 75,000 bonus points after spending $4,000 on purchases in the first three months from account opening.

Annual fee: $550

Other benefits and drawbacks: There’s a high annual fee on this card, so you’ll want to be clear whether or not it makes sense for you before applying. That said, frequent travelers will likely make good use of the annual $300 travel credit, Priority Pass airport lounge membership with guest access and comprehensive travel insurance that covers eligible trips for select rental car damages, lost luggage, medical expenses and more.

World of Hyatt is one of the strongest hotel loyalty programs you’ll find and The World of Hyatt Credit Card doesn’t disappoint. The credit card is a convenient way to boost your point balance if Hyatt’s limited locations make sense in your travel plans.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 bonus points per dollar spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per dollar on all other eligible purchases.

Welcome offer: Earn 30,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening, plus up to 30,000 more bonus points by earning 2 bonus points per dollar spent in the first 6 months on purchases that normally earn 1 bonus point on up to $15,000 spent.

Annual fee: $95

Other benefits and drawbacks: The World of Hyatt Credit Card offers a complimentary Category 1 to 4 hotel nights each year on the cardmember anniversary with the opportunity to earn a second night after spending $15,000 on the card each year. It also grants automatic Discoverist Elite status as well as five elite qualifying night credits each year. Cardholders can also earn two additional elite qualifying night credits for every $5,000 spent.

Wyndham Rewards can be an overlooked program, but there’s great value thanks to its simplicity. The Wyndham Rewards Earner® Card* locks in automatic Gold status while earning hotel points on every purchase.

Rewards: Earn 5 points per dollar spent on Hotels By Wyndham and gas purchases, 2 points per dollar spent on restaurants and grocery purchases (excluding Target and Walmart) and 1 point per dollar spent on other purchases.

Welcome offer: Earn 75,000 bonus points after spending $2,000 on purchases in the first six months of account opening.

Annual fee: $0

Other benefits and drawbacks: The earning rates on gas make this card an unexpected standout, but the card benefits aren’t bad either. Cardholders have access to discounts on both paid and reward reservations—a rarity among hotel credit cards. Additionally, there’s a 7,500 point anniversary bonus each year if you spend $15,000 or more, which can help you get closer to your next free night.

The United and United partner-related benefits on the United Club℠ Infinite Card are stellar for an airline card and the earning rates are solid, too.

Rewards: Earn 4 miles per dollar on United® purchases, 2 miles per dollar on all other travel, on dining including eligible delivery services and 1 mile per dollar on all other purchases.

Welcome offer: Earn 80,000 bonus miles after spending $5,000 on purchases in the first 3 months from account opening.

Annual fee: $525

Other benefits and drawbacks: With no foreign transaction fees, a United Club membership, two free checked bags when flying United and paying for your ticket with the card, automatic Platinum Elite Status with IHG Portfolio properties, space-available upgrades on award tickets when flying United and up to a $100 Global Entry or TSA PreCheck application fee credit, the United Club Infinite offers a planeload in value despite its oversized-baggage of an annual fee.

While the British Airways Visa Signature® Card has the potential to be a card for anyone who collects Avios, it’s a particularly good choice for anyone flying British Airways themselves, thanks to discounts when booking tickets.

Rewards: Earn 3 Avios per dollar on purchases with Iberia, British Airways, Aer Lingus, and LEVEL, 2 Avios per dollar on hotel accommodations when purchased directly with the hotel and 1 Avios per dollar on all other purchases.

Welcome offer: Earn 85,000 Avios after spending $5,000 on purchases in the first three months of account opening.

Annual fee: $95

Other benefits and drawbacks: This card doesn’t offer any of the standard benefits you may expect from an airline credit card like free checked bags or priority boarding. Instead, you’ll be showered with booking discounts. You can receive 10% off British Airways flights when reserving directly through their booking channel and can earn up to $600 in statement credits when redeeming Avios for award flights and paying for taxes and fees with your card. Plus, you can earn a Travel Together ticket when you spend at least $30,000 on your card in a calendar year.

You’ll find one of the longest promotional rate periods available with the U.S. Bank Visa® Platinum Card*, making it a great option for anyone who needs wiggle room to pay off a purchase.

Rewards: This card does not offer any rewards.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: This is a one-trick pony, which means you’ll either love or hate this card. It doesn’t offer any rewards and meaningful benefits are sparse. It does provide cellphone protection, subject to terms and conditions, but otherwise this is a card you get and use for the 0% introductory APR—and that’s it. The card charges 0% intro APR on purchases and balance transfers for 21 billing cycles, followed by a variable APR of 18.74% - 29.74%. A balance transfer of 5% of the amount of each transfer or $5 minimum, whichever is greater, applies.

If you’re looking for a long runway to pay down purchases or balance transfers without accruing interest, the Wells Fargo Reflect® Card could cover your needs with time to spare.

Rewards: This card does not earn rewards.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: The promotional period on this card is phenomenal, offering 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 18.24%, 24.74%, or 29.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies. However, after that timeline is up, the Wells Fargo Reflect doesn’t provide much to keep you hooked on their card. There are no rewards and benefits are light, though you do have cellphone protection (a $25 deductible applies) when you pay your monthly phone bill with your card.

The introductory APR period on the Bank of America® Customized Cash Rewards credit card is shorter than some others on the list, but still creates a lot of payment flexibility while also letting you earn rewards simultaneously.

Rewards: Earn 3% cash back in the eligible category of your choice, 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

Welcome offer: Earn $200 online cash rewards bonus after spending $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Other benefits and drawbacks: Finding a card with no annual fee, a welcome bonus, an introductory APR and ongoing rewards makes this card a shining star. You’ll have more than a year to pay things off without interest: 0% introductory APR for 15 billing cycles for purchases and balance transfers, 18.24% - 28.24% variable APR applies thereafter. Intro rate applies for any balance transfers made in the first 60 days; balance transfer fee of 3% applies to each transfer during this period, then 4%. Just watch the limits on your earning rates. You’re capped at $2,500 in combined 2% and 3% purchases per quarter and rewards drop to just 1% after that.

Combine up to 5% cash back with more than a year without interest on purchases and billing transfers with the U.S. Bank Cash+® Visa Signature® Card.

Rewards: Earn 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 5% cash back on your first $2,000 in combined eligible purchases each quarter on two categories of choice, 2% cash back on one everyday category such as gas stations, grocery stores or restaurants, and 1% cash back on all other eligible purchases.

Welcome offer: Earn $200 rewards bonus after spending $1,000 on eligible purchases within the first 120 days of account opening.

Annual fee: $0

Other benefits and drawbacks: The cash-back rewards on this card are superb, assuming you’re not bothered by the spending limit on the 5% categories, which is capped at $2,000 per quarter. That still adds up on categories including everyday expenses like fast food, department stores or electronic stores. The introductory APR offer is a fantastic feature, too: 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard APR of 19.49% - 29.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening.

Though you might expect (and appreciate) the gas discounts included when you’re a BPme Rewards Visa®* cardholder, don’t overlook the cash rewards. The rates are noteworthy for a card that only requires fair credit for consideration.

Rewards: Earn 15 cents off every gallon of bp and Amoco fuel purchases, 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery and dining purchases and 1% back on all other qualifying purchases.

Welcome offer: Earn 30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening, 15 cents off thereafter.

Annual fee: $0

Other benefits and drawbacks: The BPme card makes great sense for commuters, roadtrippers or anyone who plays chauffeur for their family. You’ll receive discounts right off the top of your fuel cost at BP and Amoco stations plus great rewards on non-fuel purchases on-site. But it’s the cash back on groceries and dining that make this Visa even better since you’ll earn at elevated rates without caps.

Even with average credit, you may qualify for the Credit One Bank Wander® Card, which comes with excellent earning rates on eligible travel purchases.

Rewards: Earn 10 points per dollar on eligible hotels and car rentals booked through the Credit One Bank travel partner, 5 points per dollar on eligible travel, dining and gas and 1 point per dollar on all other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $95

Other benefits and drawbacks: Considering many travel rewards cards require excellent credit, this one stands out as an opportunity to earn at strong rates while rebuilding your credit. There’s also no foreign transaction fees, which is another boon for travelers. There’s a $95 annual fee (which is similar to many other travel cards), though in the first year there’s also a modest welcome bonus which may somewhat counteract that.

When you’re starting from zero, it can be hard to be approved for an unsecured credit card. The Chase Freedom Rise* is specifically designed to consider applicants with a limited credit history—and offers rewards to boot.

Rewards: Earn 1.5% cash back on every purchase.

Welcome offer: Earn $25 statement credit with enrollment in autopay in the 3 months of account opening, terms apply.

Annual fee: $0

Other benefits and drawbacks: Though you don’t necessarily need to be a Chase banking customer, having a checking account with at least $250 in it may increase your odds of approval. Beyond that, it’s a good starter card: You’ll earn flat-rate rewards, pay no annual fee and set yourself up to build credit toward future needs.

The student version of one of Bank of America’s mainstay cards is just as good as the original. With the Bank of America® Customized Cash Rewards credit card for Students, you’ll get access to a well-rounded credit card perfect for everyday use.

Rewards: Earn 3% cash back in the category of choice and an automatic 2% at grocery stores and wholesale clubs. Bonus earning is limited to the first $2,500 in the 3% and 2% categories combined each quarter. Earn an unlimited 1% on all other purchases.

Welcome offer: Earn $200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of account opening.

Annual fee: $0

Other benefits and drawbacks: You barely have to choose which features matter to you on a credit card with this option. With a welcome offer, above-average cash rewards (with spending limits) and no annual fee, you’ll likely be happy with your choice. There’s also an intro APR offer for new cardmembers that may lure you in: 0% introductory APR for 15 billing cycles on purchases and balance transfers made in the first 60 days, after that a variable APR of 18.24% - 28.24% applies. There's a 3% balance transfer fee for 60 days from account opening, then 4%.

Though secured cards aren’t anyone’s first choice, the Bank of America® Customized Cash Rewards Secured Credit Card* makes the burden of providing a deposit worthwhile thanks to a worthy rewards structure.

Rewards: Earn 3% cash back in a category of choice: gas and EV charging, online shopping, dining, travel, drug stores or home improvement/furnishings; 2% cash back at grocery stores and wholesale clubs; unlimited cash back on all other purchases. Earn 3% and 2% cash back on the first $2,500 in combined choice category/grocery store/wholesale club purchases each quarter, then earn 1%.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: If approved, you’ll need to provide a cash security deposit of $200 to $5,000 to secure your credit limit. However, Bank of America will review your account periodically to determine if your deposit can be returned after consistently responsible use. The card includes a few resources to help you track and build your credit, including a free monthly FICO Score.

The ability to earn up to 5% cash back on eligible purchases with no annual fee makes the U.S. Bank Cash+® Secured Visa® Card* one to consider even if you have poor credit.

Rewards: Earn 5% cash back on the first $2,000 in combined eligible purchases each quarter in two categories of choice, 5% cash back on prepaid air, hotel and car reservations booked directly in the Rewards Travel Center, 2% cash back on eligible purchases in choice of one everyday category (like gas stations, grocery stores and restaurants) and 1% cash back on all other eligible purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Other benefits and drawbacks: Though the earning rates on this card are great, you’ll need to pay attention to get those numbers. Members need to activate their preferred earning categories and then track spending since the rate drops from 5% to 1% after spending $2,000 each quarter. As a secured card, you’ll need to back your card with a deposit.

The Ink Business Cash® Credit Card offers a tiered approach to cash-back rewards, allowing you to maximize your earning potential (as long as you’re willing to keep track of purchase categories along the way).

Rewards: Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year and 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases.

Welcome offer: Earn $350 bonus cash back after spending $3,000 on purchases in the first three months and an additional $400 after spending $6,000 on purchases in the first six months after account opening.

Annual fee: $0

Other benefits and drawbacks: Chase’s line of Ink business cards come in many forms and this cash-back option is great for businesses that want to keep their redemptions straightforward without paying an annual fee. There are no activations or opt-ins required to earn at the higher reward rates, but keep an eye on spending caps—both the 5% and 2% categories top out at $25,000 in spending per year.

For businesses that already have a lot to juggle, the Ink Business Unlimited® Credit Card keeps earning credit card rewards simple. Take advantage of flat-rate cash back and keep your mental capacity free for other tasks.

Rewards: Earn 1.5% cash back rewards on every business purchase.

Welcome offer: Earn $750 bonus cash back after spending $6,000 on purchases in the first 3 months from account opening.

Annual fee: $0

Other benefits and drawbacks: There’s no annual fee on this card and you can add employee cards at no cost as well, making it a suitable option for businesses that need to enable employees as well. The Ink Business Unlimited also offers an introductory APR which can assist with funding upcoming business projects, enhancements or other purchases. New cardmembers have access to 0% introductory APR for 12 months on purchases, then a 18.49% - 24.49% variable APR applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies.

If you love World of Hyatt, you won’t be displeased with the World of Hyatt Business Credit Card, since you can basically choose your own adventure for earning categories through the end of 2024.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 points per dollar spent in a cardholder's top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per dollar spent on fitness club and gym memberships and 1 point per dollar spent on all other purchases.

Welcome offer: Earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

Annual fee: $199

Other benefits and drawbacks: The Hyatt benefits on this card can easily justify the annual fee. Cardholders can earn up to two $50 statement credits (for a total of $100) per year when making Hyatt charges with their card. Automatic Discoverist status for you and up to five employees can also be a valuable perk. Big spenders will find even more reasons to love the card: You’ll earn five tier-qualifying nights for every $10,000 spent in a year. And after spending $50,000 in a year, you qualify to earn 10% of up to 200,000 redeemed points back as a bonus.

Though Southwest’s route network has its limitations, it can be more than adequate for some businesses. With the Southwest® Rapid Rewards® Performance Business Credit Card, you can earn points with every purchase and enjoy other benefits when flying as well.

Rewards: Earn 4 points per dollar spent on Southwest purchases, 3 points per dollar spent on Rapid Rewards hotel and car rental partners, 2 points per dollar spent on local transit, including rideshares, commuting, social media, search engine advertising, internet, cable and phone services. Earn 1 point per dollar on all other purchases.

Welcome offer: Earn 80,000 points after spending $5,000 on purchases within the first 3 months of account opening.

Annual fee: $199

Other benefits and drawbacks: The Southwest® Rapid Rewards® Performance Business Credit Card’s loaded with airline benefits, helping to justify its $199 annual fee. It comes with 365 InFlight Wi-Fi credits for use while traveling along with up to $500 in annual fee credits to cover point transfer fees—allowing you to share points guilt-free with employees or other Southwest flyers as an incentive. There are also four upgraded boardings per year and 9,000 anniversary bonus points each year after renewal, among other perks.