Visa® Credit Cards

One of the top players in the credit card industry, you will soon see why it is quite hard for some companies to compete at the same level as Visa. Visa was first founded in 1958, and it now processes more than 100 billion transactions per year. If you are seeking efficiency and reliability, you can rely on Visa as a credit card company. The Visa brand is recognized worldwide so that you can use your credit card anywhere in the world. Find out more about Visa's amazing offers, and more information about the requirements and fees below.

  • Avianca Vida Visa® Card

    • Welcome Bonus of 20,000 LifeMiles after first card use
    • Earn 2 LifeMiles per $1 spent on Avianca purchases
    • Earn 1 LifeMile per $1 spent on all other purchases
    • 15% discount on purchases of miles with Multiply Your Miles
    • No cap on the number of LifeMiles you can earn
    • 0% Introductory offer for 12 months on Balance Transfers
    • Chip-enabled card provides added security
    • Auto Rental Collision Damage Waiver
    • Travel Accident Insurance
    • Protection against unauthorized charges
    • Emergency Card Replacement
    • Online Account Management
    • Electronic Statements
    • Auto-pay option
    • Vida - standard 20,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 40,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
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  • Avianca Vuela Visa® Card

    • Welcome Bonus of 40,000 LifeMiles after first card use
    • Earn 3 LifeMiles per $1 spent on Avianca purchases
    • Earn 2 LifeMiles per $1 spent on gas stations & grocery stores
    • Earn 1 LifeMile per $1 spent on all other purchases
    • 15% discount on purchases of miles with Multiply Your Miles
    • Free additional piece of baggage for travel between the United States and Central America
    • A 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $12,000 spent each year
    • An additional 50% discount on an award ticket redeemed for travel to Central America or Colombia from the United States after $24,000 spent each year
    • 0% Introductory offer for 12 months on Balance Transfers
    • No foreign transaction fees
    • Chip-enabled card provides added security
    • Auto Rental Collision Damage Waiver
    • Travel Accident Insurance
    • Protection against unauthorized charges
    • Emergency Card Replacement
    • Online Account Management
    • Electronic Statements
    • Auto-pay option
    • Vuela – standard 40,000 welcome bonus after first purchase, plus 20,000 bonus miles after at least $1,000 spend on purchases within the first 90 days of account opening (total of 60,000). Promo code SB4060 must be entered when completing application in order to receive the additional 20,000 welcome bonus miles after qualifying purchases.
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  • First Access VISA Credit Card

    • Perfect credit not required for approval; we may approve you when others won’t
    • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
    • Reporting monthly to all three major credit reporting agencies
    • Easy and secure online application
    • If approved, pay a Program Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Select your favorite card design from our gallery, for free!
    • Online Customer Center available 24 x 7
    • Issued by The Bank of Missouri
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  • Official NASCAR Credit Card from Credit One Bank

    • Cash Back Rewards - Automatically get 1% cash back rewards on eligible purchases†
    • Free Credit Score - Monitor your credit with free online access to your Experian credit score†
    • Credit Line Increases - Receive automatic account reviews for credit line increase opportunities
    • Zero Fraud Liability - Rest easy knowing you won't be held responsible for unauthorized charges
    • Customizable Account Notifications - Choose the notifications that matter most to you including payment reminders and transaction alerts
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  • Credit One Bank Credit Card with Cash Back Rewards

    • Cash Back Rewards - Automatically get 1% cash back rewards on eligible purchases†
    • Free Credit Score - Monitor your credit with free online access to your Experian credit score†
    • Credit Line Increases - Receive automatic account reviews for credit line increase opportunities
    • Zero Fraud Liability - Rest easy knowing you won't be held responsible for unauthorized charges
    • Customizable Account Notifications - Choose the notifications that matter most to you including payment reminders and transaction alerts
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  • Wells Fargo Cash Wise Visa Card

    • $0 Annual Fee
    • 0% Intro APR for 12 months on purchases and balance transfers (fees apply), then a 16.24%-28.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
    • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
    • Earn unlimited 1.5% cash rewards on purchases
    • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Google Pay™, during the first 12 months from account opening
    • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
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  • Wells Fargo Platinum Visa card

    • No annual fee.
    • 0% Intro APR for 18 months on purchases and balance transfers (fees apply), then a 13.74%-27.24% variable APR; balance transfers made within 120 days qualify for the intro rate and fee
    • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Platinum Visa card
    • Easy access to your FICO® Credit Score with Wells Fargo Online®
    • Zero Liability protection for promptly reported unauthorized transactions
    • Convenient tools to help create a budget and manage your spending with My Money Map
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  • ADAC Clubmobil­Karte Kartenpreis Credit Card

    • Sichern Sie sich jetzt günstigere Kraftstoffpreise: Als Inhaber der ADAC ClubmobilKarte erhalten Sie weltweit 1 % Rabatt auf alle Tankstellen-Umsätze bis zu 2.500 Euro pro Kalenderjahr.
    • Als ADAC ClubmobilKarten-Inhaber können Sie Ihre Tickets schnell und komfortabel im Internet bestellen und die Versandgebühren in Höhe von 4,90 Euro (Standardversand) sparen. Klicken Sie dazu im Bestellprozess bei Auswahl der Versandart 'kostenfreier Standardversand (Deutschland) bei Zahlung mit ADAC Kreditkarte' an. 
    • Im Ausland können Sie mit Ihrer ADAC ClubmobilKarte kostenlos* Bargeld abheben!
    • Ihr Geld arbeitet für Sie: Das Guthaben auf Ihrem ADAC ClubmobilKarten-Konto wird bis 25.000 Euro mit 0,10 % p.a. verzinst – bei monatlicher Zinsgutschrift und täglicher Verfügbarkeit.
    • Ihre ADAC ClubmobilKarte ist gleichzeitig Ihr ADAC Clubausweis. So benötigen Sie nur eine Karte im Geldbeutel, die beide Funktionen erfüllt. 
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  • ADAC Kreditkarte Gold Credit Card

    • Sichern Sie sich jetzt günstigere Kraftstoffpreise: Als Inhaber der ADAC Kreditkarte GOLD erhalten Sie weltweit 5 % Rabatt auf alle Tankstellen-Umsätze bis zu 1.500 Euro pro Kalenderjahr.
    • Fahren und sparen: Bei Buchung eines Mietwagens für das Ausland bei der ADAC Autovermietung GmbH und Bezahlung mit der ADAC Kreditkarte GOLD erhalten Sie 5 % Rabatt (gilt nicht für die Anmietung innerhalb Deutschlands). 
    • Als Inhaber der ADAC Kreditkarte GOLD können Sie Ihre Tickets schnell und komfortabel im Internet bestellen und die Versandgebühren in Höhe von 4,90 Euro (Standardversand) sparen. Klicken Sie dazu im Bestellprozess bei Auswahl der Versandart 'kostenfreier Standardversand (Deutschland) bei Zahlung mit ADAC Kreditkarte' an. 
    • Bei Bezahlung einer Reise mit Ihrer ADAC Kreditkarte GOLD erstatten wir die Storno- und zusätzlich anfallende Rückreisekosten für Sie und bis zu fünf Mitreisende abzüglich des Selbstbehalts bis zu einem Gesamtreisepreis von 10.000 Euro.
    • Auch gegen einen unerwarteten Reiseabbruch, z.B. wegen einer schweren Erkrankung, sind Sie und bis zu fünf Mitreisende bei Bezahlung mit Ihrer ADAC Kreditkarte GOLD versichert. Ihnen werden der anteilige Reisepreis, nicht genutzte Reiseleistungen, Umbuchungskosten sowie zusätzliche Fahrt- und Unterkunftskosten bei mitgebuchter An- und Abreise erstattet.
    • Weltweit kostenlos* Bargeld: Mit Ihrer ADAC Kreditkarte GOLD erhalten Sie an allen mit einem Visa oder MasterCard Logo gekennzeichneten Geldautomaten weltweit rund um die Uhr Bargeld – und das bei Abhebungen aus dem Guthaben Ihres Kartenkontos sogar ohne Gebühr*.
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  • WÜSTENROT Visa Gold Credit Card

    • Free cash withdrawal within the Euro Zone
    • Contactless payment under 25€
    • Discount on holiday bookings (5% discount when booked via Wüstenrot’s travel service)
    • Up to 100% price advantage with GutscheinPLUS (at around 100 partner shops such as Zalando, Flixbus, adidas, H&M, Karstadt and many others)
    • Flexible instalments
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Transaction Fees

Annual Fee: You may find some credit card options which charge yearly fees, but not all of them do. The types of credit cards which typically have yearly fees include premium credit cards, subprime credit cards, and secured credit cards. The fee amount charged per year will vary. Some fees start at $0 and go up to $500. It all depends on which type of credit card you apply for.

Regular Purchase APR: When you make a standard purchase with your credit card, the amount charged gets added to your revolving debt balance. On top of that, there is a certain amount of interest which gets added to this balance too. This interest is called the annual percentage rate, or APR. Your credit rating greatly influences your APR, which is why the percentage fluctuates regularly. People with perfect credit may only have to pay 10% APR while people with terrible credit pay up to 35% APR. For this reason, it is important to review all the terms and conditions on your credit card application prior to signing it. Make sure you know the true APR after the initial trial period expires. Sometimes these credit card companies will try to lure you in with 0% APR for 12 months, but they won’t tell you what the APR is after those 12 months. You must look for it in the fine print.

Intro Purchase APR: When you see a credit card plan which offers an introductory purchase APR of 0%, this doesn’t necessarily mean it’s a trick. Sometimes you’ll find some good low-interest credit card plans which charge 0% APR for the first 6 months, 12 months, or sometimes even longer. This means that all your credit card purchases within this time period won’t have interest charges added onto the debt balance. However, once the introductory period expires, the standard purchase APR will then apply. Again, check the terms and conditions to see what this APR is.

Balance Transfer Fee: If you owe money on multiple loans or credit cards, you can clear this debt by moving it to another credit card which has more available credit. This is basically a way to consolidate your debt so that you only owe money on one account instead of several accounts. However, whenever you transfer your debt balances to another account, you must pay a balance transfer fee of anywhere between 3% and 5% of the total transferred debt amount. For instance, if you owe a total of $10,000 on all your loan and credit card accounts, a 5% balance transfer fee on this amount would cost you $500.

Regular Balance Transfer APR: Sometimes a credit card company will offer a regular balance transfer APR to new credit card account holders instead of a balance transfer fee. This balance transfer APR is usually a generous deal which ranges from 0% to a very low APR. However, this low balance transfer APR is only available for a limited introductory time period. This could last for 6 months, 12 months, or longer. Once the introductory period is over, the normal rates apply.

Cash Advance Fee: If you want to take out a cash advance on your credit card, you will either be charged 3% to 5% on the transaction amount or a fixed fee of between $5 and $15 per transaction. The greater amount of the two is the one you will pay. For instance, if you take a $200 cash advance on a credit card which charges a cash advance fee of 10% or $5, you will end up paying 10% because that is the greater amount. In this case, the cash advance fee is $40.

Credit Terms

TheCreditWiki, can make searching for the best card far easier, especially when you need to consider several factors. You may not be aware, but there are a few cards that have APR rates that you will need to review before signing the contract with the bank or lender. You will also need to consider financing costs, and anticipate what you are going to need the card for, is it going to be a single one-off purchase, or do you want to carry a monthly balance? Understanding the potential financial implications is crucial, for example, if you don't make your required monthly or bulk payment by the agreed date, then your financing costs will increase. If this happens, you will incur several costs – such as paying the full current balance, and fees to the credit card issuer/bank. Another important factor is interest fees. Please be aware that they can fluctuate; they can shift from as low as 0% to as high as 35%. So, before signing the contract, review the credit card applications for any specifics regarding the interest rates, as they will be stated in the terms and conditions. TheCreditWiki strive to provide our customers with the most current, and up-to-date information, regarding rates, benefits and many more. Please do remember that the credit card offers that we have listed, are displayed without guarantee. If you want to affirm the terms and conditions, click on "Apply Now." You will be able to learn more about the full credit card offer, on a secured page that will be supplied by the card issuer(s). You will see the list of the best credit cards options currently available on the market listed below. We have provided you with all the relevant information about each provider to ensure that you will make an informed and confident decision.

Advertiser Disclosure

When searching for the best credit card TheCreditWiki can help you to make the best decision based on your lifestyle and financial history. TheCreditWiki is a free service and promotes bolstered credit examination, through a comparison entity. The offers that you will see on thecreditwiki.com are from organizations, which thecreditwiki.com will receive remuneration.

About our Ratings

Our reimbursement sometimes impacts the surveys, but it is only the order that the classifications appear in, and nothing else. They will appear on our featured pages, but you can still opt to use the best option for you, and we strive to provide this regardless of the compensation that we may receive.
Please be aware, that this may affect the order in which these credit offers appear. Also, thecreditwiki.com does consider the restrictive guidelines of each lender, and the probability of the consumers' credit history. They will take this information into account, and will decide how, and when the credit cards offer will appear on the site.

General Disclaimer

We advise you to review your credit card application for specific references of the terms and conditions. We will always endeavor to provide the most relevant and up-to-date information. However, please be aware that all credit card offered displayed are not guaranteed. If you wish to confirm the full terms & conditions, please click on the "Apply Now" link. If you select the link, it will open a secure page provided by the card issuer(s) which will explain your credit card offer in more detail.

Our Editors

Here at TheCreditWiki, we have a team of editors who supply unbiased ratings of various credit card offers. The components used to rate the offers accordingly are; offer purchasers, expenses, financing costs & which credit card the application is related too. Please be aware that all of the evaluations are completed using a master supposition from our editors. Our editors are not affected by any compensation that our receives from the credit card issuer.

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