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.

  • Visa Card – Hanseatic Bank Genialcard

    • No yearly fee
    • Apple Pay available
    • Easy registration online
    • Flexible rates for paying the credit card bill
    • The Hanseatic Bank offers customers who purchase the GenialCard many discounts (Cashback Shop, vouchers for Zalando, Flixbus and others, discounts on travel bookings)
    • Flexible payment of credit card bills
    • Contactless payment possible (up to 25€)
    • Credit limit up to 2,500€
    • First three months are free of interest
    • Partner card for any person full of age
    • No minimum sales (keine Mindestumsätze)
    • No need to open up a bank account with the Hanseatic Bank
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  • Total Visa® Card

    • Manageable monthly payments
    • Reports monthly to all three major credit bureaus
    • Accepted by merchants throughout the USA and online
    • Checking account required WHO SHOULD APPLY TOTAL VISA® accepts applications from people who are interested in looking for a true VISA® credit card that does not require perfect credit for approval. People who want a fast application process with a response provided in seconds. People who want reporting to all three credit bureaus.
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  • The Secured Visa® from Merrick Bank

      Need credit? Want a better way to take control of your finances?

      The Merrick Bank Secured Visa card is for you!

      Is a secured credit card right for me?

      The biggest difference between a secured and an unsecured credit card is that secured cards require a security deposit from the cardholder, which functions as cash collateral.

      Secured credit cards are especially useful for consumers with poor or little to no credit history who are trying to build or rebuild their credit. A secured card provides all the advantages of a credit card while building credit.

      You may be approved for this card with any credit history or credit score, so long as you:

      • Do not have a pending bankruptcy filing that has not been discharged by the court
      • Do not have any outstanding Federal/State/Local tax obligations
      • Successfully fund your security deposit
      • Are at least 18 years old
      • Have a valid Social Security Number
      • Have a verifiable physical U.S. home address
      • Meet the Income Assessment and Identity Verification requirements mandated by the government for all credit card applications
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  • OpenSky® Secured Visa®

    • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
    • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
    • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
    • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
    • We have a Facebook community of people just like you; there is a forum for shared experiences and insights from others on our Facebook Fan page. (Search “OpenSky Card” on Facebook.)
    • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
    • *View our Cardholder Agreement located at the bottom of the application page for details of the card. APR, Variable APR: 19.14% Variable APR Cash Advance APR: 19.14%, Variable
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  • Merrick Bank Double Your Line™ Visa® Credit Card

    • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
    • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
    • Get your updated FICO® Score each month when it is provided to us from the credit bureau.
    • $0 Fraud Liability protects you from unauthorized charges.
    • Online and mobile Account Access.
    • No Penalty Rates or Over Limit Fee. * See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.
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  • Costco Anywhere Visa® Card by Citi

    • Exclusively for Costco Members: Go Big with Cash Back Rewards
    • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
    • 3% cash back on restaurants and eligible travel purchases
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
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  • Chase Freedom Unlimited® Credit Card

    • $150 Bonus after you spend $500 on purchases in your first 3 months from account opening. This product is available to you if you do not have this card and have not received a new card member bonus for this card in the past 24 months.
    • Low Intro APR 0% intro APR for 15 months from account opening on purchases and balance transfers. After that, 16.74%–25.49% variable APR. Balance transfer fee is 5% of the amount transferred with a minimum of $5.
    • No annual fee You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card.
    • Earn unlimited 1.5% cash back Earn unlimited 1.5% cash back on every purchase*Same page link to Offer Details – it's automatic.
    • Cash Back rewards do not expire Cash Back rewards do not expire as long as your account is open. And there is no minimum to redeem for cash back
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  • Credit One Bank® Visa® Credit Card

      All Credit One Bank card members enjoy cash back rewards, free access to your monthly Experian credit score, and more!

      • 1% Cash Back Rewards

      Get cash back rewards for eligible purchases† and the rewards will post to your account automatically

      • Free Credit Score

      Access your monthly Experian credit score and credit report summary online

      • Credit Line Increases

      Automatic account reviews for credit line increase opportunities, a fee may apply

      • $0 Fraud Liability

      Enjoy peace of mind 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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  • Chase Sapphire Preferred® Card

    • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
    • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
    • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
    • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
    • No foreign transaction fees
    • 1:1 point transfer to leading airline and hotel loyalty programs
    • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
    • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
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  • Amazon.com Store Card

    • A $10 Amazon.com Gift Card will be instantly loaded into your Amazon.com account upon the approval of your credit card application.
    • Amazon.com Store Cardholders who join Prime are automatically upgraded to the Amazon Prime Store Card.
    • Amazon Prime Store Cardholders can earn 5% back on Amazon.com purchases.
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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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