Visa Logo
star star star star star

7.9

Overall Score

LAST UPDATED: March 15th, 2024

Visa is a global payments technology company that provides digital currency services in over 200 countries and territories. 

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.

Top Ranked Companies

thumb_up

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.

Visit Site

thumb_down

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.

gavel

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.

Was this content helpful?
thumb_up Yes thumb_down No

Star Rating

info

4.8

star star star star star

1,159 Reviews

Review Breakdown

5 grade

75%

4 grade

19%

3 grade

4%

2 grade

1%

1 grade

0%

Sentiment Criteria

Value

star star star star star_half

Quality

star star star star star_half

Service

star star star star star_half

Trustworthiness

star star star star star_half
cancel

Filter by:

arrow_drop_down

Sort by:

arrow_drop_down
info
check_circle

Review Source

star star star star star

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!

3 weeks ago

check_circle

Review Source

star star star star star

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

2 weeks ago Edited March 6, 2024

check_circle

Review Source

star star star star star

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!

2 weeks ago

check_circle

Review Source

star star star star star

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.

1 month ago

check_circle

Review Source

star star star star star

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

2 months ago

check_circle

Review Source

star star star star star

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.

2 months ago

check_circle

Review Source

star star star star star

Juan Tejera San Antonio, TX

All the credit cards I have are sponsored by VISA, and they have worked very well for me all over the world.

5 days ago Edited March 15, 2024

check_circle

Review Source

star star star star star

M. Fenerty Philadelphia, PA

Customer service is always exceptional! Customer since the 80's! Ability to set limits on purchases and advised if over set limit.

1 week ago

check_circle

Review Source

star star star star star_border

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.

1 month ago

check_circle

Review Source

star star star star star

Christopher Ryan Winter Park, FL

To my experience Visa card has been the best when I’m making payments online and offline and also help my business grow faster because I don’t need to deal with slow transactions and I get discounts sometimes

1 month ago

check_circle

Review Source

star star star star star

Star Brown Binghamton, NY

I like Visa because they are trustworthy and very secure to use to add money, what's a send money. And they also give you notification if something is wrong with your card. Excellent

1 month ago

check_circle

Review Source

star star star star star

Clar lau

VISA cards are easily linked to Paypal accounts and I used them to withdraw funds from Paypal accounts to my bank and purchase products because there accepted as international payment method for goods and transactions. VISA card security is high therefore no one card use my VISA card without the right CVV code.

2 months ago

check_circle

Review Source

star star star star star

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.

3 months ago

check_circle

Review Source

star star star star star

Delaney Rose Fisher Tucson, AZ

My Visa always comes in handy when a company is finicky about the payment method!

4 days ago

check_circle

Review Source

star star star star star

Kayla Ghafari

Visa is offered everywhere and I am very thankful for it. Great company and very efficient.

4 days ago

check_circle

Review Source

star star star star star

Annie Hickey Ormond Beach, FL

I've had a South State Visa card for two or three years now. I love their customer service and their willingness to help you right then and there.

2 weeks ago

check_circle

Review Source

star star star star star

OUR REVIEW Bellaire, MI

WE HAVE ALWAYS RECEIVED GOOD SERVICE ON OUR VISA CARDS. I LIKE THE 3 PERCENT WE RECEIVE ON GROCERY PURCHASES AND .15 CENTS PER GALLON WE RECEIVE ON GAS PURCHASES.

1 month ago

check_circle

Review Source

star star star star star

Christopher Semones

My visa debit and visa credit cards are lifesavers. They are accepted everywhere, and they offer amazing warranty protection services. I am very happy with these companies

1 month ago

check_circle

Review Source

star star star star star

Kanyin Esther

Visa debit card is a game changer I like the way I can use it anywhere additionally I love the thickness of their card it doesn’t break easily unlike the other cards

1 month ago

check_circle

Review Source

star star star star_border star_border

Forrest Newtom Ringgold, GA

I have never had an issue with Visa,as a matter of fact they have always handled any problem that I have with speed and efficiency. I don't carry a balance with them so I'm not party to how they operate if you use them as a credit line. This being said,I do monitor my account on a regular basis because after all they are a Greedy American company so you don't want to let your guard down.

2 months ago

check_circle

Review Source

star star star star star

Janery Astacio-Marrero

Having a VISA card has proven to be advantageous, especially when traveling. The widespread acceptance of VISA worldwide ensures that I can use my card almost anywhere. It's a relief to know that I can rely on my VISA card regardless of my location.

3 months ago

check_circle

Review Source

star star star star star

Kathie Whitlock Pearland, TX

I have always used Visa when shopping online and in person. I feel they are a trust worthy company. In the past, I have had my card compromised by untrustworthy dealings. Visa was able to stop the issue and send a replacement card promptly.

3 months ago

star star star star star

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!

7 months ago Edited August 7, 2023

check_circle

Review Source

star star star star_border star_border

Brian Wamboga Chicago, IL

I love to use VISA CARDS because I am able to do all transaction on my phone without a physical card.

3 days ago

check_circle

Review Source

star star star star star

AF BG Conroe, TX

Great credit card, accepted everywhere in the world . Great customer service

5 days ago

check_circle

Review Source

star star star star star

Scott Smith

Wonderful card to have. Card services department is very helpful and courteous.

5 days ago

check_circle

Review Source

star star star star star_border

Awori Tina Richardson, TX

Visa cards transactions are timeless in the way that i can purchase products and online at night.

6 days ago

check_circle

Review Source

star star star star star

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!

4 months ago

check_circle

Review Source

star star star star star

Candice S Milan, TN

The most versatile card in the game. Easy to use, clear numbers and good quality cards. Easy online banking and great customer service.

1 month ago

check_circle

Review Source

star star star star star

Joy Garcia Buffalo, NY

Anytime I've had a Visa credit card customer service has always been extremely helpful and very fast. If I had to choose I would choose Visa.

1 month ago

check_circle

Review Source

star star star star star

Sodiq Ada Ashburn, VA

I really like visa credit cards and when my Visa card lost visa work with my bank to expedite for replacement and they shipped it to me within 48hrs

1 month ago

check_circle

Review Source

star star star star_border star_border

Dawn Grover

Typical credit card company. Interest rate is too high, but they all are. I don't really have any complaints. I feel like visa is one of the companies that set the standards that everyone else follows. Reliable, nearly all vendors take visa.

2 months ago

check_circle

Review Source

star star star star star

Otim Jordan Kampala, 102

VISA is payment method which is allowed internationally and used anywhere in world,I use digital prepaid cards for purchasing online and also paying for only services.

2 months ago

check_circle

Review Source

star star star star star

Ilene McKechnie Sparta, NJ

Chase visa is the best! We put everything on it And by the end of the year, it’s enough to pay for tickets to the park for all of us or the hotel. And they are great to work with, and so reliable.

3 months ago

star star star star star

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.

6 months ago

check_circle

Review Source

star star star star star

Amber Carmichael Beverly Hills, FL

Always convenient. Great fraud detection.

3 days ago

check_circle

Review Source

star star star star star

Emanuel Vasserman

I am using Costco Visa cart from CITI bank. Very generous reward program. I am using my credit card during my international trips. I face only one problem in many years, - it was necessary get replacement cart whenI was in Europe and even I provided my address in Europe the company twice sent to my USA address.

4 months ago

check_circle

Review Source

star star star star star

Cherie Cole Clifton Park, NY

Visa is the best! All of my bank and credit cards are through Visa and I know O can trust them for security and to protect from fraud. I use my Visa cards everywhere and I couldn’t feel more secure and safe especially when traveling.

4 months ago

check_circle

Review Source

star star star star star

Kelsey Conner Wilmington, NC

I travel a lot for work and leisure, and Visa is great because it's accepted all around the world. Depending on your specific Institution, you may even receive a reimbursement for all of your ATM fees. This has come in very handy when traveling overseas. I have loved having this card.

4 months ago

star star star star star

Cynthia Berrian Valdosta, GA

Like the fact that everyone accepts The Visa logo. Card easy to use. I have many credit card with the Visa logo.

2 months ago

check_circle

Review Source

star star star star star

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.

9 months ago

check_circle

Review Source

star star star star star

Trevor McIntosh Patchogue, NY

This credit card functions as a practical tool for me financially as I only use this particular card product for my vehicles.

2 months ago

check_circle

Review Source

star star star star star

Love people Alexander Kent, WA

Love visa ! I went overseas to visit my daughter and had no problem buying item to bring back for gifts! Truly recommend this card!

2 months ago

check_circle

Review Source

star star star star star

George Tommila Manchester, NH

There was no problem resolving my dissatisfaction and difficulty receiving a refund for services not reendered by a contractor.

2 months ago

check_circle

Review Source

star star star star star

Nieceyshark Beaumont, CA

Great customer service, rates and accepted everywhere. Makes shopping easy. Their low APR also helps keep the cost lower when repaying the credit extended.

3 months ago

star star star star star

Clemmie & Mandy Johnson San Jose, CA

Overall my Visa bank card works well. I think having it directly connected to my bank account is a plus. When I had to dispute a fraudulent charge the issue was resolved pretty quickly. It was great!

6 months ago

star star star star star

Kalume Ibrahim Miami, FL

Easy to use in purchasing online products

2 weeks ago

check_circle

Review Source

star star star star star

Kelsey T.L. Lansing, MI

Visa credit cards consistently deliver top-notch convenience. Widely accepted, easy to use, and offering a wide variety of cards, Visa keeps my financial life simple and secure. Five stars without a doubt!

4 months ago

check_circle

Review Source

star star star star star

Donna St Louis, MO

I LIKE THAT VISA HAS SAFETY MECHANISMS IN PLACE FOR YOUR PROTECTION AND SENDS TEXTS WHEN SOMETHING LOOKS SUSPICIOUS. ANY ISSUES I'VE HAD ARE EASILY RESOLVED AND THEIR CUSTOMER SERVICE IS GREAT

5 months ago

check_circle

Review Source

star star star star star

Jowara Morgande

Visa comes in so handy as long as you use it properly. No missing payments if I could help it. It's great for building credit, and the customer service is great, they always help and are very professional.

5 months ago Edited October 5, 2023