Visa credit cards are not issued by the company itself. Instead, Visa is a payment processing network, and cards are issued by partner financial institutions. Other examples of payment processing networks include Mastercard, American Express, and Discover.

Many credit card issuers that you may be familiar with, or perhaps even your personal banking institution, may offer Visa credit cards.

According to the company’s corporate website, there are more than 2.5 billion Visa credit cards in use worldwide.

Continue reading for a full review of this company and Visa reviews from real customers.

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The Good

Visa Offers and Perks
Visa Card Protections
Worldwide Card Acceptance
Travel Support
Helpful Business Tools
24/7 Customer Service
Mobile Payments
Positive Customer Reviews

Visa Offers and Perks

While specific rewards will vary by card issuer, Visa offers a wide variety of offers and deals that can help you save money and earn rewards on shopping, sports, entertainment, and more.

In many cases, Visa has specific retailer partnerships that offer cardholders special deals and savings. Some of these retailers include GlassesUSA.com, BarkBox, Reebok, H&M, Hertz, as well as over 900 luxury hotels.

Visa Card Protections

Visa offers specific benefits and protections, but these will vary by card issuer and so it is important to check with your card issuer to learn more about the Visa card benefits and features that are available to you.

Protections offered by Visa include the following:

Zero liability — If your card is lost, stolen, or fraudulently used, you won’t be held responsible for unauthorized transactions.
Cardholder inquiry services — Available on all Visa cards, this service provides card users with 24/7 customer phone support.
Emergency card replacement — If you need a replacement card, Visa will work with your card issuer to get you a new card within 24 to 72 hours.
Roadside dispatch — A pay-per-use roadside assistance program, available 24/7.
Lost or stolen card reporting — If your card is lost or stolen you can call Visa Global Customer Care Services to quickly resolve the issue.
Emergency cash disbursement — In case of emergency, Visa can arrange a wire cash transfer within 2 hours of approval from your card issuer.

Worldwide Card Acceptance

One of the benefits of using a Visa card is that it is accepted nearly everywhere. This is a point highlighted in many 5-star Visa customer reviews.

Travel Support

While traveling you can be confident that your Visa card will be accepted at most locations, but the company also offers a variety of travel support tools and resources:

Lost or stolen card assistance — If your card is lost or stolen, Visa will work with you to quickly replace it.
Currency exchange calculator — Quickly estimate your exchange rate in another currency with the currency exchange calculator.
Global ATM locator — Find a global ATM, wherever you are.
Visa prepaid cards — Use a prepaid Visa card instead of cash.
Travel and emergency assistance services — Available to all Visa Signature and Visa TravelMoney cardholders; find referrals for medical, legal, and/or transportation services.

In addition to these services, Visa outlines helpful tips that can protect you while traveling, allowing you to enjoy a stress-free trip.

Helpful Business Tools

Visa offers a variety of tools for small businesses, providing the groundwork for easy money movement for merchants through the Visa network.

24/7 Customer Service

Customers can reach a customer service representative by phone 24/7 if any questions arise or if they need assistance with a credit card issue. A live chat option is available as well on the corporate website.

Customers can also contact Visa by email and receive a response within 24 to 48 hours. The company also has an FAQ section that answers many questions customers frequently ask.

Mobile Payments

Customers are able to make payments and purchases directly from a payment-enabled smartphone, tablet, or wearable device. With retail merchants that offer the Contactless symbol at the cash register, users can simply swipe their phone to complete the transaction instead of having to pull out their credit card.

Online purchases are also protected through Visa Checkout. Most transactions are securely protected against the possibility of hackers accessing sensitive financial information. In the unlikely event it does happen, zero liability protection helps provide coverage for any fraudulent unauthorized purchases.

Positive Customer Reviews

The majority of Visa reviews are 5-star, with customer frequently highlighting the following:

Travel protection services
Generous rewards, particularly for travel, including air miles and hotels
Reliable fraud-alert system and quick response time to fraudulent claims
Conveniently wide card acceptance and purchase protection

While complaints are limited, some customers do mention high interest rates.

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The Bad

Rates, Fees, and Other Features May Vary

Rates, Fees, and Other Features May Vary

Because Visa is a payment processing network and not a card issuer, rates, terms, fees, and other card features may vary by financial institutions offering Visa cards. Therefore, it is important to touch base with your card issuer on rate and term specifics because Visa can’t guarantee any of these factors.

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The Bottom Line

Visa is a well-known global payments technology provider that offers a wide range of credit card offers to consumers of all credit types. The company is highly reputable in the industry with billions of transactions taking place annually around the world.

Specific rates, terms, fees, and rewards will vary by credit card issuer, but Visa does offer specific services, such as its travel support and card protection services, that are consistent across all Visa cards. For specific information on factors such as rewards, you should contact your card issuer.

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User Reviews

Star Rating

4.7

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1,231 Reviews

Review Breakdown

5 grade

75%

4 grade

19%

3 grade

2 grade

1 grade

Sentiment Criteria

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star star star star star

Vondina Lewis

Visa has provided me with the necessary tools to improve my credit scores. I pay my balance on time each month. It has given me the opportunity to shop without worrying. I appreciate the opportunity to have credit for emergencies. Thank you Visa for giving me a chance to improve my credibility.

5 days ago

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Alamin Islam

Visa cards are my everyday superheroes. They are accepted almost everywhere, which makes it super easy to budget and track expenses. In addition, most Visa cards have excellent reward programs where I might score points for things I am already buying. Sure, some have requirements in order to get all the perks, but there's a Visa out there for everyone. Love the flexibility and earning potential.

3 months ago

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Linda Zibrowski

WOW 😲😳!!! All I can do is APPLAUD!!! The invention of such a great idea as the VISA credit card. Now, I know we all choose different types of plans and policies and credit cards and we have all seen and heard advertisement for All types of credit cards that offer "the best credit card", because of certain luxuries that they offer along with the credit card. Well, I was dead set on having the VISA credit card I have now because I get 1. Money back on purchases . That's what I wanted my card to do because I myself do a lot of shopping and I order almost everything online with my card so I chose to have a plan where things that I buy I receive Cashback . U probably think , that is what people have said but then when they get the refund it seems like u put more into it than it's worth. Maybe for other credit card companies but not for VISA credit cards you receive what is negotiated with you and nothing less. No hidden fees or hidden agenda's that u might be unaware of. This company is LEGIT!!! Score 100#, I would and have recommend anyone who wants a real credit card and a reputable company than VISA is the place to be. You are not a number or a big $$$ sign to them you almost get the tingly feeling that u might be almost like FAMILY because THAT'S the way everyone has treated me like when I contact them. KEEP UP THE GOOD WORK!!!!!

4 months ago

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Marshall Smith

My experience with Visa Inc was great. Once I had a problem with my transaction and I contacted their customer support, and they helped me by answering all my questions. I am happy to have my Visa card, as it is widely accepted worldwide, which is incredibly helpful for travel. I was really satisfied with the visa service overall. I would wholeheartedly recommend it to anyone in need of trusted financial services.

5 months ago

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Maria Fernandez Arguello

almost always I had excellent experience with Visa. Never I had a bad company. It's my preferred card.

1 month ago

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Willie. Brooks.

It's just a very good card that can be used most places around the world, customer service sure beats out the competition by far. So keep up the amazing job that you do for each and every customer 😀 hands ✋️ down

3 months ago

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Francis Adesuyi

Visa card has made it easy to use and access online from the payment method and all the processing of payment attached to it all easy and quick with no delay it’s doesn’t accept people with bad credit just log in and activate your card you’re goood to go.

7 months ago

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Andre

What makes it appealing is that I am able to earn rewards on a regular basis by making purchases out of my daily expenditure. The balance must be paid in full each month to reduce the impact of high interest charges. Also, the fee that is charged on some of the premium cards may be quite high, but I believe the advantages and rewards are usually higher.

4 months ago

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Daniella

Prior to discovering Visa, I was utilizing Mastercard. I'm not having the same issues that I did when using Mastercard. I was really happy with how quickly they responded to all of my inquiries regarding the transaction procedure! To anyone still deciding whom to trust, I heartily suggest this company!

4 months ago

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George K

I earn points on every purchase, and the redemption process is straightforward. Once, I got an alert on one of my cards that there has been a transaction made that I didn’t recognise, and Visa rectified the situation by replacing the card and refunding the amount that had been fraudulently charged without any delay.

4 months ago Edited June 13, 2024

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Alex

I recently got a Visa card and I've been impressed by how convenient it is to use. From online shopping to in-store purchases, the added security features give me rest of mind when making any of my transactions. I highly recommend it to anyone.

5 months ago

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Tom Tom

They have decided to raise my interest rate to 30.24% when I have paid more than the limited amount for more than a year & this is after the feds lowered the rates! Late only 1 time in two years!

1 month ago

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E J Secola

I have been a customer of Choice Home Warranty for over 15 years. My services calls are answered immediately by a highly qualified representative. I usually have a service representative resolve my repair issue in a matter of a few day. I found most of the service repair individuals very qualified to, professional and friendly. I believe Choice is an excellent value for the money.

6 months ago

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Blankie

Having this card has helped me buy food when urgently needed during hurricane season attacks us yearly.

2 months ago Edited August 2, 2024

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Mathew Adams

It was very easy to get approved, and my Visa card application was quickly processed. It makes financial transactions quick and easy while traveling to any country in the world.

5 months ago

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martins timothy

One of the best global leading payment industries They answered all my questions about the transaction process almost immediately from which i was very impressed! They are very fast and reliable with more secure electronic payment methods I highly recommend this company to everyone that are still choosing whom to trust!

7 months ago Edited March 28, 2024

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Chima Victor

Visa is a reliable and widely accepted payment provider. Their credit and debit cards makes it convenient to purchase both online and offline. The security measures they have in place help protect against fraud, giving users peace of mind. I will highly rate them 5star.

7 months ago

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Janessa P Logan, UT

This is the credit card I use through my bank. I have been satisfied with this card because it hasn't ever been rejected for use at a store if credit cards are accepted. I appreciate the rewards system it has. The longevity of the rewards on this card have been great and I plan to use it for many years to come. Thanks Visa!

8 months ago

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Joseph Faenza Washington, DC

I have had a visa credit card for a years now and I really trust their service if there are any issues. I was recently away on vacation and I was far from home making purchases when I received a text from visa asking me if I had approved these purchases because it was from somewhere that I am not normally at. I really appreciate knowing they are looking out for me!

1 year ago Edited August 7, 2023

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Jen Paxman Lehi, UT

I have a Chase Visa card and we really like it. I like that Visa cards are accepted everywhere and I never have to ask "do you accept Visa". The customer service is great and the rewards are unmatched for what our family needs. The website is very user friendly and I am able to see all of my accounts on one page. The first credit card I ever applied for was a Visa and I have had one ever since. Visa stands by their cards and promotions and I am a loyal customer for life.

5 years ago

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Rhonda Sanford Merrick, NY

I have had many positive experiences in dealing with Visa and their customer service department. There have been several business disputes using my Visa card and they have all been professionally and rapidly handled. In addition, my card was lost and they handled it quickly. Another times, some expensive purchases were being made and the company called m to check if they were legitimate ones. All in all, it has been a positive relationship.

6 years ago

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Linda Jensen Newberg, OR

We use our Visa for all our monthly purchases. (Always pay off each month). And our new Costco Visa is awesome! The cash back that we will be getting is so much better than our last Visa card. Also, someone got a hold of my # and made some rather large purchases, and Visa was quick to notify us. They took care of everything. Good to know they are watching my back.

6 years ago

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atokoose taiwo boluwatiwi Lagos, LA

This is one of the best companies ever for international transactions and financial services. They offer the best at every point of payment and that is the speed. They are widely accepted everywhere of the world. I trust my funds in Visa even if my cards get lost or stolen because of the security setups that is on my account. Every single transaction is been personally verified from me before it is processed either by an O.T.P or by a personal call. They offer seamless service for my recurring payments and integration with some of my digital accounts like PayPal and payoneer

9 months ago

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Samantha Madero-Craven

Visa stands out for its widespread acceptance and reliability. I've used my Visa card globally without any issues. Their fraud protection measures give me peace of mind, and customer service is prompt in resolving any concerns. While it lacks the perks of some premium credit cards, its universal acceptance makes it a dependable choice for everyday transactions.

10 months ago

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Arooj Naeem Washington, DC

Visa has been my preferred choice for credit card services. The widespread acceptance globally and secure transaction features provide peace of mind. The rewards program and additional benefits enhance the overall value. While annual fees and interest rates vary, the convenience and reliability of Visa make it a staple in managing my financial transactions.

10 months ago

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mary martin Bossier City, LA

After working over the past several years to build my credit score, I have multiple Visa cards with decent interest rates that I have accepted. I try my best not to use these often but when I do need them they are always there and the Visa customer service team excels! If you have a Visa card and are interested in getting another or if you are about to become a first-time Visa customer, I promise you will not be sorry and your value will be Paramount to the money you pay!

11 months ago

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Roberto D Colon

Visa is a popular payment technology company that offers credit, debit and prepaid cards to consumers and businesses. Many people appreciate Visa for several reasons: 1. Convenience: Visa cards are widely accepted at most merchants, which makes it easy and convenient to make purchases wherever you are. 2. Security: Visa offers advanced security features, such as encryption technology, fraud monitoring, and zero liability protection, which help safeguard your purchases and personal information. 3. Rewards: Many Visa cards offer rewards and cashback programs, which can be a great way to earn back money and other incentives for every purchase. 4. Flexible payment options: Visa offers multiple payment options, including traditional credit and debit cards, mobile payments, and contactless payments, giving consumers more flexibility with how they pay for their purchases. 5. International accessibility: Visa is accepted in more than 200 countries and territories, making it a convenient payment option for travelers and people who frequently shop online. Overall, people like Visa for its convenience, security, and flexibility, making it a preferred payment method for many consumers and businesses.

1 year ago

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Warren Grover Seattle, WA

Last year, we opened an account at Costco and went with their Costco Visa card. We use it for as many-non cash transactions as possible and we are excited about the Costco rewards we are getting from the card--and we do not shop at Costco that often so many of the points are from other sources. (We would shop their more often but we are in the mountains about two hours away from the nearest Costco so is difficult to get there.) I also love the ease of using the Citi Visa; the website is very efficient and easy to use--I check my purchases quite often. They have been very good to me when I have disputed some charges and they seem to really be on my side as much as they can be. I highly recommend this card!

2 years ago

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Steve Ashby Portland, OR

We have A LOT of Visa Credit cards and they are all great. I really like the Chase visa cards. Points through the Marriott Visa have allowed us to do lots of traveling. The United Airlines Visa card is great for free luggage and gives lots of points. We also switched over to the Costco Visa when they made the switch from AmEx, super beneficial with rebates on gas and every purchase, has saved us hundreds. Finally, a go to for us is the Alaska air Visa. Also good for free luggage and lots of points, and you get a BOGO every year! It is safe to say we don't make a purchase without getting some Visa point of rebate perk.

3 years ago Edited September 14, 2021

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Marcie M Idaho Falls, ID

I have used Visa ever since I first got a credit card. It’s the best credit card company in my opinion. I’ve never had any annual fees, transfer fees, or any unnecessary fees. I love the cash back rewards program. At the end of each year I’m able to earn enough rewards points to get some nice things for my family. One year I got my husband an Apple Watch for Christmas with the rewards points I had saved up and he loved it! We recently used our points to purchase airplane tickets for a family vacation to Disneyland. Pretty awesome! I have never had a single negative issue with Visa. They’re a great company and have served us well for many years.

3 years ago

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Baj5527 Brigham City, UT

I love my Visa card. It’s all I use. I have other cards but honestly I prefer to use my Visa. I receive a wonderful benefit from using this Visa in the form of %of $spent at Costco and other places. Since I use this Visa mostly there I gain a great “reward” yearly. I have had on occasion a few times when I’ve refused charges on my Visa. I don’t like doing that but they have done a wonderful job of researching the charge for me and for the most part they have resolved the issue for me. I’m so happy with my Visa company. I don’t know about other Visa providers but mine is truly great. I don’t have to pay an annual fee and as long as I pay my balance by the payment date I don’t pay any interest. I’m very happy with my situation. I receive a check from Visa to be used at Costco. Which actually I can cash there. I don’t have to spend it all there. Their Customer Service is excellent. Anytime I’ve called they have been able to answer my questions and put me at ease within minutes. Again I’m totally pleased with my Visa.

4 years ago Edited September 14, 2021

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Steve Anderson Lindon, UT

I love my Visa card!! I've never had a problem with it. It's never been declined anywhere I've traveled throughout the world. The customer service is excellent. Nor have I had a problem understanding the folks I call with questions and asking for help. That's a big help for me. It's terribly frustrating when I call for online support and cannot understand what the person on the other side of the line is trying to tell me. I've had my Visa for so long I don't even remember when I first got it. I also love the fact that it covers the fees for using it overseas. This card is a keeper, without a doubt.

5 years ago

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Raymond

I so much like using visa card because i have this confident using it anytime, anywhere since it is mostly accepted almost everywhere even when am not in the country. Their customer service is highly responsive and i have never had any issue of fraud since making use of it for the past eight years.

6 months ago

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Shiroi

I have been using Visa card since 2021 and haven't really had a problem with it except from the fees been debited from time to time but I would definitely continue using it for a long time and also recommend it:)

6 months ago

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Drey Greg

I like two things about my visa credit card I like the thickness of the card and how it saves me from failed payments I can make payments with my credit card at the comfort of my home with no stres

7 months ago

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Dennisse Luyando

Visa's unwavering commitment to customer satisfaction, cutting-edge security features, and seamless global acceptance make it stand out as a paragon in the credit card industry.

7 months ago

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Cardwell Sarah Chicago, IL

The online application process was seamless and user-friendly. The best part of it was that my questions were met with a thorough and insightful reply by their customer service team

7 months ago Edited March 6, 2024

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Afb 123 Chandler, AZ

Visa has stepped up their customer service game. Everytime i call in, they are ready and willing to help me through mt questions or obstacles. Its no wonder they are the number 1 CC company!

8 months ago

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Amani Patel York, PA

A pretty good credit card company that I have relied on for a few years. I find that VISA is the one credit card company that I seem to be at most risk for fraud with. However, customer service is always helpful and ensures that no risk becomes severe.

8 months ago

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Russ Hamstring Lake Havasu City, AZ

I have a few Visa Credit Cards and have never had an issue with them. You can be safe in knowing that their rates are the same or better than other banks. I never worry when using these cards. I had to call customer service recently and they answered the call very fast and fixed my issue.

1 year ago

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Anoushka Ahuja Lecanto, FL

I can use my Visa card anywhere! I was on vacation on a cruise and I needed to withdraw a large amount for some shopping I had to do and they immediately sent me a fraud alert! That was great to see that they take security very seriously and once I ensured that it was a legitimate purchase they lifted the pause and all it took was one phone call

2 years ago

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JOHN M CAMPBELL ,

I have several Visa Cards & also own stock in the company. Visa has a great fraud-alert system & caught fraudulent activity on my account before I knew it (and I check the accounts every day). That fact alone makes me trust Visa's processing systems.

3 years ago

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Eddie Rios Ogden, UT

Visa as a brand makes life easier. I use Visa credit cards every single day making purchases, booking travel, restaurants and the rest of life's necessities. They are accepted everywhere and easy to maintain. Visa has changed our culture for the better. I would never stop using my Visa cards!

4 years ago

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Larson Riverton, UT

As an 18 year old, it was a little hard to find a place that would approve my credit card but once i did, it has been very nice!! The company and its services are great. Visa has met my expectations and never caused any problems.

4 years ago

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Shauna Horne American Fork, UT

We have used Visa for over 20 years and I have always been extremely satisfied by their service. The cards work well, they are accepted everywhere (even when we visit Canada) and they have good customer service. I will continue to use Visa.

5 years ago

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Brinley Knowles Smithfield, UT

I love my Visa card. Most everywhere I go they take Visa which is so nice. I always put money on my card and don't have to worry about carrying around cash. Such a great card that I use every single day if not multiple times a day.

5 years ago

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Cassidy Gundersen Orem, UT

I have one Visa credit card, and it’s pretty good. I use my husband’s Amazon Prime Visa, which is AMAZING. I would definitely recommend it to everyone who has an Amazon Prime account. You can get 5% back on purchases made on Amazon. We buy things on Amazon all the time, so we’ve made a ton of money back so far!

6 years ago

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Connie Mayer South Jordan, UT

VISA is a good company that gives me good cards that I trust. There isn't much special about it though. They are good with customer service. They answer quickly. I once asked them to lower their rates on my card and they did, so they listen to me as a customer.

6 years ago

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Lindsey Andersen Provo, UT

I love that Visa is accepted EVERYWHERE - including smallest businesses. They alert me if there is activity that is suspicious, I get a notification every single time it is charged, and I appreciate the fraud protection as well. Plus, no annual fee for my Capital One Venture Card!

7 years ago

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Susan Reyna Harrisburg, PA

I try to not use cards but my Visa card has been my peace of mind. There are times you never know when you will need to fix your car or fix a home repair. It is accepted everywhere, so I don’t worry about not paying for something. I have never been rejected for using my visa. Thank you.

8 months ago