Best Visa Credit Cards Of 2025

For those looking to earn decent travel rewards without paying an exorbitant annual fee, the Chase Sapphire Preferred® Card may be the right fit.

Why We Like It

The Sapphire Preferred offers impressive benefits that add value to your card membership, including purchase protection, extended warranty protection, trip cancellation and interruption insurance, primary auto rental coverage, baggage delay insurance and trip delay reimbursement.

The rewards are designed for travelers, though cardholders can redeem points for 1 cent each as cash back. Points are worth 25% more toward travel when redeemed through Chase Travel℠—plus, you’ll get up to $50 in statement credits each year to use toward hotels booked through Chase Travel. Another potentially valuable redemption option is to transfer your Ultimate Rewards® points to over a dozen airline and hotel travel transfer partners.

What We Don’t Like

Approval for the Sapphire Preferred typically requires good or better credit, which means some applicants won’t be eligible for the card.

Who It’s Best For

This card bridges the gap between no annual fee travel cards and expensive premium cards, making it perfect for middle-of-the-road travelers.

The Chase Freedom Unlimited® is a one-card solution with no annual fee that offers benefits beyond those of most cash-back Visa credit cards.

Why We Like It

This card had us at 1.5% cash back on all purchases and then outdid itself by tacking on stronger earning rates on dining, drugstores and select travel purchases. As if that’s not enough, the Freedom Unlimited also showers new cardholders with a welcome offer and introductory APR: 0% introductory APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 18.99% to 28.49% applies. An intro transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies in the first 60 days of account opening. After that, a fee of either $5 or 5% of the amount of each transfer applies.

The combination of all these features makes it a great solution for anyone who doesn’t want to worry about managing multiple cards. And since there’s no annual fee, you can use it for years instead of constantly shopping for new options.

For anyone willing to carry more than one credit card, the Freedom Unlimited pairs well with other Chase Ultimate Rewards® cards (including several on this list). When paired, cardholders may have access to additional redemptions such as 1:1 mileage transfers to partner airlines and hotels.

What We Don’t Like

If your spending isn’t concentrated in the elevated earning categories, you could potentially outearn this card by choosing a 2% cash-back card, though that might mean giving up other features like the welcome bonus.

Who It’s Best For

We recommend the Chase Freedom Unlimited® for anyone who wants to earn cash back without an annual fee.

If you need time to pay down purchases or balance transfers without accruing interest, the Wells Fargo Reflect® Card (rates & fees) could cover your needs with time to spare.

Why We Like It

The introductory period on this card is phenomenal, offering a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. A 17.24%, 23.74%, or 28.99% variable APR applies thereafter. Balance transfers made within 120 days qualify for the intro APR and a balance transfer fee of 5%, min $5 applies. However, after that timeline is up, the Wells Fargo Reflect doesn’t provide much to keep you hooked on the card. You have cellphone protection (a $25 deductible applies) when you pay your monthly phone bill with your card.

What We Don’t Like

There are no rewards, and the benefits are light. It’s a fine option for balance transfers or if you need an intro APR on new purchases, but if you anticipate paying off any charges immediately, you’d be better off charging them to a rewards card.

Who It’s Best For

We recommend the Wells Fargo Reflect® Card to anyone who needs time to pay down purchases or balances.

With the U.S. Bank Cash+® Visa Signature® Card*, you can combine up to 5% cash back with more than a year without interest on purchases and balance transfers.

Why We Like It

The cash-back rewards on this card are superb, assuming you’re not bothered by the spending limit on the 5% categories which are capped at $2,000 per quarter. That still adds up on eligible categories, including everyday expenses like fast food, department stores and electronic stores.

The introductory APR offer is a fantastic feature, too. You’ll get a 0% intro APR on purchases and balance transfers for 15 billing cycles, then a standard 18.49% to 28.74% variable APR applies. A balance transfer fee of 3% ($5 minimum) applies and balances transferred must be completed within 60 days from account opening.

What We Don’t Like

To earn elevated rewards, you’ll need to manually select your preferred purchase categories. And to make things a little more complex, you need to re-enroll every quarter.

Who It’s Best For

Customers who can keep good track of their enrollment status and spending balances can earn excellent cash back from this card.

World of Hyatt is one of the strongest hotel loyalty programs, and The World of Hyatt Credit Card doesn’t disappoint as a convenient way to boost your point balance.

Why We Like It

The World of Hyatt Credit Card offers a complimentary free night each year to a Category 1 to 4 Hyatt hotel or resort on the card member’s anniversary with the opportunity to earn a second night after spending $15,000 on the card each calendar year.

It grants automatic Discoverist Elite status as well as five elite qualifying night credits each year. Cardholders can also earn two additional elite qualifying night credits for every $5,000 spent. This is one of the most convenient ways to spend your way toward status.

What We Don’t Like

Hyatt’s limited footprint worldwide means these rewards aren’t the best option for travelers who regularly visit out-of-the-way destinations.

Who It’s Best For

This card is best for Hyatt loyalists looking to earn World of Hyatt points faster and potentially work toward elite status.

The United benefits on The New United℠ Explorer Card are stellar for a midrange airline card and the rewards rates cover a handful of spending categories that earn at an elevated return.

Why We Like It

The United Explorer Card offers a planeload in value without an oversized fee. You can get your first checked bag free when flying United, priority boarding on United flights and statement credits when using your card to cover in-flight costs like food or beverage orders. You will also receive two United Club lounge passes each year.

In addition to the headlining benefits, you’ll also enjoy a path toward elite status by earning Premier Qualifying Points when reaching spending thresholds on the card.

What We Don’t Like

Though a few types of purchases earn 2X miles per dollar spent, the average charge earns a single mile per dollar, which is on the low side.

Who It’s Best For

Travelers who fly with United annually can easily reap savings and value through this card’s benefits.

The ability to earn rewards with no annual fee makes the Bank of America® Travel Rewards Secured Credit Card* one to consider for travelers looking to explore the world even while they’re recovering from poor credit.

Why We Like It

The absence of foreign transaction fees makes the Bank of America® Travel Rewards Secured Credit Card* a great option for international trips. That means the rewards you earn are as high as they sound: Earn 3 points per dollar on purchases made through the Travel Center and 1.5 points per dollar on all other purchases.

What We Don’t Like

Because it’s a secured card, you must provide a cash deposit as collateral against your credit limit. However, Bank of America promises to regularly review your account to see if you qualify to get your security deposit back.

Who It’s Best For

We think this card makes the most sense for travelers with bad credit who need access to a card without foreign transaction fees.

The Chase Freedom Rise® is specifically designed to consider applicants with a limited credit history—and it offers rewards to boot.

Why We Like It

When you’re starting from zero, it can be hard to get approved for an unsecured credit card. But this is a sound starter card: You’ll earn flat-rate rewards, pay no annual fee and set yourself up to build credit toward future needs. The card incentivizes you to get in the habit of paying your balance on time by offering a $25 statement credit after signing up for automatic payments within the first three months of account opening.

After a year of responsible use, you may be evaluated for an upgrade to the Chase Freedom Unlimited®, which offers even higher rewards (and still no annual fee), making this a smart stepping stone on your credit journey.

You don’t need to be a Chase banking customer to apply for or carry this card, but having a checking account with at least $250 may increase your approval odds.

What We Don’t Like

The card has a foreign transaction fee. It also may not be a great fit for those who aren’t Chase banking customers as they won’t have the option to receive a boost to their approval odds.

Who It’s Best For

The Freedom Rise is best for existing Chase customers who don’t already have an established credit history.

The student version of one of Bank of America’s mainstay cards is just as good as the original. With the Bank of America® Unlimited Cash Rewards credit card for Students*, you can access flat-rate earnings on all purchases.

Why We Like It

You barely have to choose which features matter to you on a credit card like this. With a welcome offer, above-average cash rewards and no annual fee, you’ll likely be happy with your choice.

There’s also an intro APR offer for new card members that may lure you in: 0% intro APR for 15 billing cycles for purchases and balance transfers made in the first 60 days, 18.24% to 28.24% variable APR thereafter. A 3% balance transfer fee applies for the first 60 days, then 4%.

What We Don’t Like

The spending requirement on this card’s welcome offer could be a temptation that makes it easy to overspend. You’ll earn a $200 cash rewards bonus after spending $1,000 in purchases within the first 90 days of opening the account. But make sure you have a plan to pay off those charges before interest begins to accrue.

Who It’s Best For

This card is a good option for students who want to earn flat-rate rewards at no annual fee.

The Ink Business Preferred® Credit Card offers a tiered approach to rewards, allowing you to maximize your earning potential. When you’re ready to redeem, you’ll find a customizable set of options to ensure your business is amply rewarded.

Why We Like It

Chase’s Ink business cards come in many forms, but the opportunity to earn flexible Chase Ultimate Rewards® makes this one of our favorites. Redemptions range from statement credits to travel bookings (with a 25% bonus through Chase Travel℠) to 1:1 transfers to travel partners and more.

Redemptions feel even sweeter based on how quickly you’ll be able to access them. A sizable welcome offer gets you started, with 90,000 bonus points after spending $8,000 on purchases in the first 3 months from account opening. Afterward, the ongoing earning rates are also pretty sweet: Earn 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per dollar on all other purchases. Those business categories are more than likely items you spend on anyway, covering most shipping, social media and search engine advertising, internet, cable and phone services.

Though this card has a $95 annual fee, you can add employee cards at no additional cost, making it suitable for businesses that need to empower employees.

What We Don’t Like

Keep an eye on spending caps—your 3X earnings top out after spending $150,000 in a calendar year and won’t reset until January 1 the following year.

Who It’s Best For

This card is ideal for small businesses that spend heavily on travel and select business categories and are looking for flexible rewards.