Most people love having a credit card or two in their wallet in order to have that extra security of having a way to purchase what they need, when they need it, without worry of always having to carry cash on-hand all the time. Credit cards are not only safer than carrying cash, many also offer perks and rewards for carrying, and using their cards. Some of the rewards can be very beneficial for people and how they live their life. You can choose a card that fits your lifestyle and spending habits, whether you are a frequent traveler and need travel rewards, want cash back for your purchases, need no annual fees, or want rewards for groceries and other merchandise. Visa is one of the biggest names in credit cards and they have many cards to choose from. Take a look at the top 10 Visa credit cards of 2016 and see if one is right for you.
10. Credit One Cash Back Visa Card
If you like the idea of earning cash back on purchases you make, the Credit One card might be for you. With 16.99% -24% variable interest rate, you will love the fact that a high credit rating isn’t needed to qualify for this card. When you use the Credit One Cash Back card, you get 1% back from all of your purchases. If you use your card often, you will see that this can be a significant benefit for you. Save it up or use when you need or want to. Other benefits of this card include being able to choose your payment date and get notices for availability to increase your credit line. An annual fee of 0-$99 may apply with the card.
9. Chase Freedom Unlimited
The Chase Freedom Unlimited card gives you several great benefits, including that you get a 0% interest rate on all purchases for 15 months, when you open your account. After the introductory rate, the interest rate will raise to 15.99%-24.74%. Balance transfers fall under the same guidelines, although there is a 5% charge for the transfer, with a $5 base as a minimum amount charged to the account. You will also receive $150 as a bonus after you spend $500 within the first three months of account opening. Cash rewards are always enticing for card holders and Chase Freedom gives you 1.5% cashback as a reward, which you can use at anytime – no minimum amount required to cash it in. Other features include: zero liability protection, for card theft, chip-enabled, purchase protection and extended warranty. If this sounds like a card you could use, you can apply online quick and easy.
8. Account Now Gold Visa Prepaid card
The Account Now Gold Visa is a prepaid card that gives those who want an easier way to get their money without having to have a checking account, plus a lot of other benefits, an easier way to manage and get their money. There are no credit checks with this card because you keep and use your money on this card. You can get direct deposits on the card and do not need to worry about carrying a minimum balance. You also get easy, online bill paying benefits, there are no risks of overdraft fees, and you never pay an activation fee. There is a $10,000 credit limit, which gives you a lot of freedom in itself. This is a great card if you need an alternative to a checking account and has been rated as a top Visa card for 2017.
7. Ritz-Carlton Rewards Credit Card
Those who travel often, whether business or pleasure, often look for credit cards that give them big rewards for using their credit card for travel expenses. The Ritz-Carlton Rewards card is one that does just that. You will enjoy the annual $300 travel credit bonus, plus much more, like these great features; $100 hotel credit, earn 5 points per $1 spent on Ritz-Carlton properties, 2 points on every $1 spent on restaurant and travel purchases, get airport lounge access, no foreign transaction fees, plus much more. There is a $450 annual fee attached to this card, but the versatility and benefits are highly rated by the card holders.
You get a lot with the Fidelity Rewards Visa, starting with no annual fee. For every eligible dollar spent, you get 2 reward points – 2% unlimited cash-back and there are no limits to your accumulation on the reward points or restrictive categories where you can use them. Keep your points all in one category, or divide them among five choices. You also have a zero-fraud protection along with world-wide acceptance, wherever you go. If you need help booking events or purchases, you get 24 hour assistance as a complimentary service. There are so many rewards and perks with this card, you’ll want to check it out for your traveling needs.
5. BankAmericard Travel Rewards Credit Card
Great deals come with the BankAmericard Travel Rewards card. When you use your card for purchase anywhere, you get 1.5 points for every $1 you spend. As great as that is, you will really enjoy the 20,000 extra bonus points you get when you spend $1000 within the first 90 days of opening your account. There are no expiration dates for your points. You can let them accumulate until you want to cash them in. You’ll also enjoy the fact that you won’t pay an annual fee when you carry this card, and if you travel out of the country, there are never foreign transaction fees attached. Your first 12 billing cycles are billed at a 0% introductory rate. Afterwards, it moves to a 15.99%-23.99% APR. Check out the BankAmericard site for more details on this highly rated Visa travel card.
4. Savings Secured Visa Platinum Card
There is no income or credit report check when yo get the SSVPC. Why? Because you secure the account with your own money. For people who are trying to build or improve their credit, this is a great card that will help. You make a deposit onto the card, with a minimum of $250 and your limit is the amount you deposit on the card. You do receive 1 Flexpoint (reward) point for every $1 you spend on purchases, and you will get all of your cashback points you earned during the first year of your opened account, matched at the end of the first year. This is for the first year only. If you like the idea of not having an annual fee or sign-up fee, that’s what you get with the SSVPC. For helping consumers get their credit in tip top shape, you can’t beat this card in 2017.
3. Chase Freedom
Bonuses and perks are what Chase Freedom is all about. To start, you’ll see a reward of $150 in online rewards when you spend $500 on purchases in the first three months of opening your account. Add an authorized user and get another $25 when purchases are made through the authorized user within the same first three month period. Other cashback perks include, earning 5% cashback on up to $1000 spent on purchases that fall into the card’s specific bonus categories during each quarter your account is open. 1% cashback earnings come with all other purchases. One thing you won’t see is an annual fee. While other cards can charge from a small, to significant annual fee, having this card in your wallet won’t cost you anything annually. Get more details on their site to see why this is one of the top Visa cards for 2017.
2. Bank of America Cash Rewards Card
You can earn online cashback rewards of $150 when make $500 worth of purchases within the first 90 days of opening your account when you hold a Bank of America Cash Rewards card. Other cashback rewards include, 1% cashback on regular purchase, 2% cashback on grocery store or wholesale club purchases, and 3% cashback on gas. These rewards are given on the first $2,500 worth of purchases from a combination these categories, made in the first quarter. This is another card that does not charge an annual fee, and your APR is set at 0% for the first 13 billing cycles and will move to 13.99%-23.00% APR after. Balance transfers will be charged 3% or $10 minimum. Don’t let the great perks this card offers, get away from you. Check them out online, because this is one of the best Visa cards in 2017.
1. Visa Sapphire
This card has been compared to the American Express Premier Rewards card and there are some difference. One difference is the annual fee. The Visa charges $59 annually (after first year), while Amex is close to $200 a year. The first 90 days are big for earning points. If you spend $1,000 in purchases in the first 90 days, you qualify for and receive 25,000 points. If you are a balance transfer account, you will get 10,000 points, but you must spend $3,000 during the first 90 days. The Visa Sapphire has so many great perks for travelers, you won’t want to leave home without it and it’s accepted worldwide, wherever you see the Visa sign. You won’t pay an annual fee the first year, then $195 annually. It is at the top of the list of best Visa credit cards for 2017.