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Top Visa® Credit Card Offers in 2025
Visa credit cards are used by people around the world and accepted in more than 150 countries! These widely-popular cards are renowned for their convenience and reliability. No matter what your credit history is good, bad or no credit; and no matter what your needs are: low fees, balance transfers, reestablishing your credit score, there is a Visa credit card that's perfect for you! Get a Visa prepaid debit card no matter what your credit history is, or enjoy free travel accident insurance with a Signature Visa. Review the offers below and apply for a credit card online!
February 2025: TOP VISA OFFER
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Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.49% to 29.24%, based on your creditworthiness
Annual Fee
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
- Receive a $200 statement credit when you spend $3,000 in the first 3 months.
- Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
- Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
This offer is not available in U.S. territories.
More Visa® Credit Cards
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- Free Access to your Credit Score†
- The Imagine Card is issued by Webbank.
- See Cardholder Agreement for important information about terms.
- *See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa’s Zero Liability Policy.
- †Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% or 36% fixed
Annual Fee
As low as $99
- No Monthly Fees.
- Get fee-free overdraft up to $200* with SpotMe®.
- Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
- Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A., Inc. and may be used everywhere Visa debit cards are accepted.
- *SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your physical Chime Visa® Debit Card or secured Chime Credit Builder Visa® Credit Card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime's sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.
- ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
Yes
Overdraft Available
Yes
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0.00%
Annual Fee
$0
- To apply for Credit Builder, you must have an active Chime® Checking Account.
- No annual fees or interest.3
- No credit check to apply.
- No minimum security deposit required.1
- Whether it’s gas or groceries, all purchases can count towards building credit with on-time payment.
- Reports to all 3 major credit bureaus.
- Help increase your credit scores/FICO® Score by an average of 30 points*
- View and track your FICO® Score2 right in the Chime app. FICO is the credit score used by 90% of lenders.
- The secured Chime Credit Builder Visa® Credit Card is issued by The Bancorp Bank, N.A. or Stride Bank, N.A., pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured deposit account as collateral for your Credit Builder Visa card, and you can spend up to this amount. You can use money deposited in your Secured Deposit Account to pay off your charges at the end of every month.
- *Based on a representative study conducted by Experian® in January 2024, members who made their fi rst purchase with Credit Builder between June 2022 and October 2022 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out-of-network ATM withdrawal and OTC advance fees may apply. View the Bancorp agreement or Stride agreement for details; see back of card for issuer.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
0%
Annual Fee
$0
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.64% (variable)
Annual Fee
$35
This offer is not available in U.S. territories.
- Receive a $200 statement credit when you spend $3,000 in the first 3 months.
- Earn 5 Rocket Rewards points for every dollar spent. There’s no limit on how many points you can earn!
- Redeem earned points towards Roket Mortgage closing costs, including downpayment, Rocket Mortgage Principal, or as statement credit.
- No annual fee if you have a mortgage with Rocket. $95 annual fee otherwise.
- Manage your card and finances using Rocket Money app.
- Digital card security with built-in features, like Freeze Card.
- Visa Signature benefits, like extended warranty protection, cell phone protection, porch piracy protection.
- See if you’re preapproved in as little as 2 minutes with no impact to your credit score.
This offer is not available in U.S. territories.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.49% to 29.24%, based on your creditworthiness
Annual Fee
$95 - waived for customers who have an existing, serviced mortgage with Rocket Mortgage
This offer is not available in DC, GA, IA, MA, WV, WI.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 3% unlimited cash back on Gas, Groceries, Health, Streaming, and Utilities and unlimited 1% cash back on all other purchases
- No annual fee
- Pay no interest when you pay your full balance early*
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for everyday expenses and large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa's Zero Liability Policy
This offer is not available in DC, GA, IA, MA, WV, WI.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 29.99%
Annual Fee
$0
This offer is not available in DC, GA, IA, MA, WV, WI.
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions**
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- Contactless payments with Apple Pay® and Google Wallet™
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
This offer is not available in DC, GA, IA, MA, WV, WI.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
14.99% - 29.99%
Annual Fee
$0
Visa® Credit Card Offers
Most people do not realize this, but Visa does not actually issue credit cards, extend credit or set rates and fees for consumers. In actuality, the company provides financial institutions with Visa-branded payment products used to offer credit, debit, prepaid, and cash-access programs to customers.
Without a doubt, Visa is arguably the most recognized credit card available. The Nilson Report reported that Visa held a 38.3% market share of the credit card marketplace and 60.7% of the debit card marketplace in U.S. in 2008. In 2009, Visa's global network, VisaNet, was responsible for processing 62 billion transactions with a total profit of $4.4 trillion.
For its universal character Visa credit cards are accepted in more than 150 countries. Card holders can also easily access using their credit card. Visas are widely-popular and renowned for their convenience and reliability. Visa offers cards for people of all credit levels. One of popular Visa cards promotion strategies, for those with excellent credit, has been enticing consumers with free travel services and travel accident insurance worldwide. Additionally, for those with Average or Limited credit, previous offers have included zero annual fee.
No matter what your needs or credit history, Visa is sure to have a card that is right for you.
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
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