Visa Credit Card

Without doubt, the Visa credit card has a long history of being recognized and accepted by merchants all over the world.  Visa has developed many excellent products but the company also provides cardholders with exceptional customer support.  In fact, of all card companies that handle online payments, Visa has the largest electronic payment network on the planet.  Because of this, more than 170 countries can make payments using a variety of easy, convenient, and safe options.

Although each Visa credit card has benefits, before applying for just any card, you definitely want to take time to look through the various options so you narrow choices down to cards that actually suit your needs.  After all, while each Visa credit card is backed by Visa, the cards offer different Annual Percentage Rates, introductory periods, balance transfer options, rewards systems, etc.  In addition, whether needing a Visa credit card for person or business use, you can be sure that at least one card would be perfect.

While there are many more options than these listed, the following are the top five choices for a Visa credit card currently being offered.

1.    Capital One Venture (SM) Rewards – For this Visa credit card, if you have excellent credit and are looking for a card whereby you could earn rewards for gift cards or travel miles, this is a great choice.  This card has a $59 annual fee, 13.90% variable APR, and it is set up with a 25-day grace period.  Of all Visa cards, this one through Capital One is by far the most generous for rewards.  As an example, for every $1 spent using the card, you would earn two miles.  With this card, miles are not limited to the amount you can earn and they never expire so you can enjoy them when you want.

2.    Citi Forward Card – The variable interest rate for this Visa credit card is as low as 12.99% but for the first seven months, you would enjoy a 0% introductory APR.  Additionally, the card has a 20-day grace period and no annual fee is charged.  The benefit of using this particular card is that as long as your payments are made on time and you never spend more than the established credit limit, you would earn 100 bonus points for each billing period in addition to the standard rewards.  If you use the online billing system, another 2,500 bonus points would be provided.  In fact, for every $1 you spend dining out, at the bookstore, seeing a movie, etc, five points are applied to your balance.

3.    Simmons First Visa Platinum – The key to securing this Visa credit card is to have outstanding or flawless credit.  In exchange for maintaining a high FICO score, you would be offered a variable APR of just 7.25%, enjoy a 25-day grace period, and if you wanted to use the card for balance transfers, no fee would be charged.  Additionally, this card comes with a low rate for cash advances, as well as rental car and travel insurance benefits.

4.    Penfed Vida Platinum Cashback Rewards – This Visa credit card is also designed for people with good credit.  The features of the card include an introductory interest rate of 4.99% for all transfers made online within the first 24 months, the interest charged after the introductory period is 13.99%, and the card has a 25-day grace period for payments.  Other advantages to using this Visa credit card is that when buying gas, you would earn 5% cash back but also, 2% for groceries, and 1% on all other purchases made with this card.

5.    IberiaBank Visa Platinum Rewards Card – The last Visa credit card we wanted to mention is through Iberia Bank, which offers three interest rates to include 9.25%, 12.25%, and 15.25%.  However, for the first six months, the APR is just 1%.  Good credit would be required to secure this specific Visa credit card but for those that qualify, the rewards program is great.  In this case, for every $1 spent, you would earn 1 point, which can then be used to purchase gift certificates, travel, and merchants participating in the program.