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8.0

Overall Score

LAST UPDATED: March 28th, 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.

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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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Star Rating

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4.8

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1,177 Reviews

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75%

4 grade

19%

3 grade

4%

2 grade

1%

1 grade

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Life Champ

Visa is rated 4.1 out of 5, it is a widely accepted payment network used by millions worldwide wide. It offers convenience and security for in person and online purchases. It is very fast and reliable.

3 days 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.

1 month ago

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CH Waterloo, IA

I have and like VISA as an alternative to MasterCard. It seems like VISA has always been a second in my life. It seems like MasterCard is a step above. No proof, just a "feeling," when I make purchases. (Even though VISA existed 1st.) They basically provide the same type of credit services and rewards. It's just a personal preference for me and who will extend the most credit!

6 months ago

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Farrell Lockett Houston, TX

Most of my credit cards are issued by Visa. I love that Visa is accepted everywhere. I’ve never had an instance where I couldn’t use my card. Their security is top notch also. I get alerts or have to authorize certain purchases that they deem suspicious typically because of the amount or location outside of my normal spending habits. I’m not crazy about the annual fee, but the perks of racking up travel miles make them bearable.

6 months ago

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Awori Tina Richardson, TX

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

2 weeks ago

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Reverend Kirsten Hancock San Antonio, TX

Customer service is great. Interest rates ars terribl… Especially in this economy. Makes paying off card balance difficult & decreases credit rating. Would like rewards. Would be nice if they helped finance emergency purchases.

7 months ago

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Nankya Joseph

Visa cards simplifies transaction and it's secure payment method.

2 weeks ago

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Jay Asheville, NC

What i like about them is they're diverse and look at everything and everyone and don't discriminate against good or bad credit you really have a AMAZING chance on building your credit score and profile with this company!!! I love how they offer everything from secured cards to unsecured credit cards and everything in between like business credit, student rewards, EVEN travel rewards & flyer miles. If you're considering a new card then look no further VISA CREDIT IS THE BEST WAY TO GO 🖤⬆️🆙📈

10 months ago

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Hank Ricardo Winnipeg, MB

Great card . The interest rate on mine is a little high, but I'm glad I qualified for one.

1 month ago

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Afua Orlando, FL

I've used various Visa credit and gift cards for decades. They are accepted just about everywhere. I've never had any bad experiences with my Visa credit cards. I gave 4 stars instead of 5 because I was given a $200 Visa gift card and someone was able to hack it. I had it for just under a year and when I went to use it. I found out only $1.99 remained. Stunned, I was told of 2 transactions transpired in cities I never visited used up the funds. I reported it as fraud. I was amazed that anyone could have gotten the number AND the pin on a gift card. I wondered if it was someone who had access to the card before it was packaged??? I will never know. So one star lost due to a security issue.

1 year ago

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Terri Miguel Punta Gorda, FL

The only thing I don't like is the interest rates are too high. I do like that I am informed if there is an unusual charge being made on my card and are quick to issue a new card if charges are being made that are not mine.

6 months ago

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Quen Wilson 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.

6 years ago

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Janie Mc Meridian, ID

I have used Visa cards for many years. The cards are accepted worldwide, and are available from many institutions, plus you can purchase prepaid cards that make great gifts. I feel like they work hard to protect against fraud and to protect their cardholders.

10 months ago

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Lisa Caruana Pittsburgh, PA

I have my debit card through my Bank, that is a Visa card also. I have had a few issues, that someone else keeps trying to charge a iPad, to my account. They have reimbursed me, when there have been illegal charges. I'm glad to have that backing, with Visa.

11 months ago

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Shelton Germaine Rogers, AR

I recently had an experience with Visa that made me happy so I thought I would share. I had ordered some silver coins that ended up being a scam. I contacted the provider who filed a report on my behalf. Visa stood behind me and followed their zero fraud policy. I was refunded and I handed over the case to the local police department for investigation. Nice job Visa!

1 year ago

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scotty Saint Paul, MN

I like my visa credit cards those are the ones I probably use the most.They offer fair interest rates no annual fees And you can also get cash back or multiple other bonuses Like flight miles and other programs like that. if you have any issues with your visa credit card their customer service team is top notch and they're very fast at making decisions on disputes for any type of fraudulent transactions on your account. And usually its in your favor. oh and they're accepted everywhere!

2 years ago

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Abril Hunter Tallahassee, FL

My Visa debit card is a fantastic way to use my money. I use my Visa card most often. When using my visa I never have issues I sometimes have problems however with the customer service line. I waited on hold for exponential hours in order to hear back from someone about card difficulties. Once I got on the line with someone however the process for sharing my concerns is much easier.

2 years ago

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Mike Ika West Valley City, UT

My Visa Credit Card is my emergency card. It’s so widely accepted that I haven’t run into an instance where a store wouldn’t take it. Now I dont care for the yearly fees, and the rewards program isn’t as beneficial as the rewards programs from some of my other cards. But the fact that everyone takes Visa makes me keep it even though I dont use it as much as my other cards.

4 years ago

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Hope Miami, FL

Visa credit card is easy to use and I can order for food in restaurants using Visa

2 months ago

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Ernest Harper

Very dependable when there was ever been an issue with a Visa credit cards or debit cards that I have used I still currently have a couple and very happy with them.

7 months ago

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Michael Henderson Allston, MA

I've always had very good service with Visa they have always been safe with my accounts and hassle-free when I have to pay bills or any merchandise thank you very much

8 months ago

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Mason Allen Pleasant Grove, UT

I love Visa. My credit card is always protected and works smoothly. The only thing I don't like is how their rates are so high for stores that some cannot afford to let us use Visas at their stores and I think that is dumb.

3 years ago

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Kory Staheli

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.

6 years ago

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Nick Engledow Avon, IN

Accepted everywhere, easy to use, reliable

1 month ago

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Gumby Rowland Heights, CA

Visa has always been my favorite credit card company. Mostly because they are accepted everywhere and they have good customer service. You just have to watch out for interest rates as they will such you dry if you don't use self control.

1 year ago

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Acrofab Office1 Holland, MI

Almost every accepts Visa card. Easy to have a company card and track finances. Usually easy to dispute if need arises though it seems way too easy for companies to say you signed up for a service that you didn't and justify a monthly charge to your card that is hard to get a dispute accepted.

1 year ago

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Jenny Hite Kansas City, MO

I have been a visa customer for many years. I have both a Visa debit as well as Visa credit though my bank as well as several other companies.. I have always been very pleased with the service, ease of use, customer service, etc. My only problem is the same with all credit cards.....interest rate is TOOOO high.

1 year ago

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Sheryl S. Toronto, ON

I love my RBC Visa Infinite Avion card. I have not encountered anyplace it isn't accepted. The rewards points program is easy to use and understand. I appreciate that there are 2 ways to redeem the points for travel as that makes it super flexible, with no blackouts or exceptions.

2 years ago

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Richard Cunningham Sandys Parish, SA

I've used Visa for years and they provide a good service both online and through the phone call centre. I would recommend them as they are accepted everywhere and the rate is pretty similar to other credit cards. A few more perks would be good though - airport lounge access would be a nice addition!!

2 years ago

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SMJohnson_Indy Indianapolis, IN

Over the past 40 years, I've held Visa accounts through several banks and credit unions. Overall, use of Visa accounts and interactions with customer service and support have been favorable. I continue to hold & use several Visa credit and debit cards.

2 years ago

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Ashlyn Elwood Roswell, GA

I love Visa. I use my Visas for travel and they are usually accepted anywhere I go. There are also so many benefits and rewards I can get just for making purchases. Customer service takes a little while, but they always help to resolve any issues.

2 years ago

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Leonard Leo Potomac, MD

Visa used to be synonymous with international acceptance, but nowadays Master Card is also accepted everywhere. Visa had an online wallet feature, but did not gain popularity. I still rather have a Visa as my main card, since it's usually widely accepted.

2 years ago Edited September 14, 2021

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Irinna Danielson Riverton, UT

One of the best things about Visa is the card is taken just about anywhere. it's convenient and I never have to worry with a Visa in my wallet. Also, the interest rates have always been good and it's a no hassle card that I use every time I charge something.

3 years ago

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Martha Gourley Pleasant Grove, UT

We have used Visa as our main card that we use from our bank. We have been very happy with the service. The company is very good to answer questions and help with problems. They notify us immediately if there is any thing suspicious about purchases.

4 years ago

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Tom Gourley Pleasant Grove, UT

I like the quality of service Visa offers. When I have traveled out of the country they always check on the legitimacy of my foreign expenses to be certain they are legitimate. They aways seem to "have my back". Additionally, their fees seem very reasonable.

4 years ago

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Cristiana Orem, UT

Visa is the credit card that my family and I use most. I don't have nothing to complain and I really like the customer service. Always when they see something specious they contact us to check and once I need to cancel is is fast and easy. I never had issues with the billing process.

5 years ago

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Shawn American Fork, UT

Visa is my favorite credit card everybody except them and is familiar with them. Even on a worldwide basis they are used and excepted everywhere. Easy to read statements they protect our account and let us know when suspicious activity occurs.

5 years ago

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Lindsay Fritts San Diego, CA

My first credit card was a Visa and I have been pretty happy with it. Visa is great because everybody takes it, I never have an issue. I don't get the best rewards but thats just the type of card I got. Still was a great card to start with.

5 years ago

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ally blackhurst Pleasant Grove, UT

I love my Visa debit card! I can run it as debit or credit, and I can use it just about everywhere. This summer I went to Thailand and while most places wouldn’t accept my American Express card, they all took my Visa. I am very happy with my Visa card.

5 years ago

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pablo j claudio

Very reliable service at low cost rate interest and friendly web page.

2 months ago

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Desdenova Puyallup, WA

A good company, no issues with account accuracy. Customer service can be a little slow but they are complete.

4 months ago

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Halle Carl Carson City, NV

Visa is a great credit card. Super awesome! Customer service is wonderful and helpful whenever you need.

5 months ago Edited October 25, 2023

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Moureen Meggers Ennis, TX

Love Visa online shopping is way easier to finish with my visa cards. Their customer service is great when you need help.

8 months ago Edited August 3, 2023

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Tim Syzek Perry Hall, MD

Only have to use one card to do business as debit or credit card; easily tracked & accepted by merchants for transactions.

8 months ago

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Glenn Cartell Atlanta, GA

My visa is my everything, I had a account that was added to my account in another state and was notified the same day about it.

8 months ago

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Christina Kaysville, UT

We have had credit cards through Visa and have not had any problems. They have good customer service. Visa is accepted most places which makes it easy to use their card

4 years ago

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Matt Martin Sacramento, CA

Even when things were tough Visa has provided us with the opportunity to purchase the things we need and allowed us the time to pay for the necessities: a new appliance or a birthday present!

1 year ago

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Who Knows

Visa is a decent credit card to have in your arsenal. The customer service is great. They've helped me reverse charges that were not suppose to be there. Other then that, I've experienced few problems

1 year ago

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THeFlAvORIsJusT wOoW East Moline, IL

I have 5 Visa cards, & I'm satisfied with them all. The APR is low, even on my high balance cards. I've had these cards for years, and they are accepted nationwide, that's why I trust in them.

1 year ago

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Shelley Wray Charlotte, NC

I’ve carried & used Visa cards for decades & have always been well pleased with their services…occasionally have had a fairly long wait time to speak to a representative, Otherwise they have been great!

1 year ago