Visa is a global payments technology company that provides digital currency services in over 200 countries and territories. The company started out as BankAmericard in 1958 and became officially known as Visa in 1976. According to its corporate website, there are more than 2.5 billion Visa credit cards in use in over 200 countries and territories worldwide. The company performed over 109 billion transactions in the last year alone. Visa’s corporate website offers 19 personal credit cards with various rates and perks for consumers to choose from.

The Good

  • Benefits and Features
  • 24/7 Customer Service
  • Mobile Payments

Benefits and Features

Visa offers consumers a comprehensive package of benefits and features with its credit card offers. Traditional credit card benefits include lost/stolen card replacement, auto rental collision damage waiver, zero liability protection, and roadside dispatch. Signature benefits feature additional services such as a warranty manager service and travel and emergency services. Visa cards are secured with EMV chip-enabled technology for secure purchase transactions and online purchases are protected with Visa Checkout. Depending on card selection, customers can earn rewards such as cash back, travel perks, merchandise, gift cards, and more.

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.

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The Bad

  • APRs
  • Undisclosed Fees
  • Limited Financial Education Resources


Depending on card selection, APR can vary from 7.65 to 26.65 percent. These rates are especially high for consumers with excellent credit when compared to similar marketplace offerings. Various available credit card offers include a zero percent introductory APR on either purchases or balance transfers for up to 12 months. Interest rates for cash advances, balance transfers, and penalty APRs are not publicly disclosed upfront on the company’s corporate website. Consumers will have to click through each card link they are interested in and be directed to other websites to get more specific details.

Undisclosed Fees

Interest surcharge fees for each card are not disclosed upfront on Visa’s corporate website. Balance transfer and cash advance transaction fees may vary from card to card, as well as foreign transaction fees and late or returned payment penalties. Customers will have to manually search through each separate offer they are interested in and be redirected to other websites in order to obtain detailed information. This can be a time-consuming and overwhelming process for many consumers because the company does not offer any search filters to narrow down available choices.

Limited Financial Education Resources

The company claims to offer numerous financial literacy programs around the world. However, its corporate website contains limited financial education resources. There are several articles on a wide range of topics, but there are no financial calculators or other resources for estimating monthly payments. The website may be difficult for some consumers to navigate and be able to find the information they are looking for. The company does not offer any other financial products or services to consumers outside of the available credit card offers.

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. The credit card offers featured on its corporate website contain a wide range of benefits and features for every financial situation. The company also provides mobile banking services and 24/7 customer service.

The APRs provided on the corporate website are considerably high, even for consumers with excellent credit histories. Interest fees and other surcharges are not clearly disclosed upfront. Consumers will need to carefully read any service agreement terms and conditions for the cards they are interested in before filling out an application. The company’s website is difficult to navigate in order to find specific information and the credit card offers navigate consumers to many other websites on the internet.

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5 Visa Reviews

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  1. User Score


    June 11th, 2017 Salt Lake City, UT

    I love Visa because of their acceptance anywhere. I also like that Costco accepts them now.

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    June 10th, 2017

    Visa has always been good to work with. Their customer service has been great and we haven’t had any problems. We also like that we can earn travel rewards by using our Visa credit cards.

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  3. User Score


    June 10th, 2017 Provo, UT

    I’ve been with Visa for the past few years and they have never let me down. Their customer service were well prepared to assist me when I was worried I had lost my card and later I was able to up my credit limit with a simple 5 minute phone call.

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  4. User Score


    June 7th, 2017 Mona, UT

    I have found their customer service to be good and their cards are accepted almost everywhere which is a definite plus.

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  5. User Score


    June 5th, 2017 Herriman, UT

    Visa is great because it is taken everywhere. Even when I travel, I do not have to pay international fees which is so nice.

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