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8.0

Overall Score

LAST UPDATED: March 27th, 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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1,175 Reviews

Review Breakdown

5 grade

75%

4 grade

19%

3 grade

4%

2 grade

1%

1 grade

0%

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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.

3 days 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.

6 days ago

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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.

2 days ago

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Stephanie Bloniarz

I have used Visa for my entire adult life. I have always felt safe, and secure being a cardholder. Thank you for the years of taking care of your consumers.

6 days ago

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Lauren Brown

Have been using Visa for the last 10 years. Never had an issue getting help, whether it was unauthorized charges or something else. Happy customer!

5 days ago

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Okello Dan

So far my favorite method of payment when I am to make any purchases, it's accepted worldwide and has best customers service

5 days 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

3 weeks 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!

4 weeks 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!

1 month 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.

1 month 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

2 months ago

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DerinFasanmi

Very good customer service, they value your money and you receive good credit rewards. I'll recommend you get one.

2 days ago

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Yvonne Whisenant

I have been a VISA customer for over 50 years. Great customer service and rewards programs. Great security.

1 week 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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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

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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

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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.

3 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.

3 months ago

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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.

2 weeks ago

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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.

3 weeks ago

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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

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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

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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

2 months ago

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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

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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

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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!

7 months ago Edited August 7, 2023

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Janice Gillespie

Very trustworthy and have used for many years with satisfaction

1 day ago

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Vero

I like using my visa it is acceptable at most places of business

2 days ago

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ND review

Been using VISA for many years and has always been a reliable brand

4 days ago

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Michael Mills

Couldn’t ask for a better card great customer support line

1 week 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!

4 months ago

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Delaney Rose Fisher Tucson, AZ

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

1 week ago

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Kayla Ghafari

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

1 week ago

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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.

2 weeks ago Edited March 15, 2024

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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

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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

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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

2 months ago

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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

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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

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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

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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.

6 months ago

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Albert Laser

Good customer service. Wide range of uses

3 days ago

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Jennifer Costa

My go-to card always. Accepted everywhere I shop.

5 days ago

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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

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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

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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.

5 months ago

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Stiwart

It has made it easy to make online purchases and other invoices.

1 week ago

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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.

1 week ago Edited March 15, 2024

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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.

10 months ago

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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

2 months ago