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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

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1%

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Ms Missy McDonough, GA

Visa is a well known network but they have outdated requirements for certain actions, which causes unnecessary friction and frustration. It takes longer than needed for credit increases and they often cap you at very low limits, irregardless to your tenure, payment history, current credit limits, and credit scores.

9 months ago

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Tracy Burt Sr. Washington, MO

If I was to buy another debit card I wouldn't. I put money on it and sent it to my daughter who's in college so she could forget things that she needed she went to the store and tried to use the car and he said it was no good. so I tried calling the number I'm back of the card and all I got was a run around Time After Time so I just gave up on it I never buy another one sorry Visa .

1 year ago

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Robert ludlow Houston, TX

I don't like it I can't talk to a person when I need too like this try to get a tablet no one will help you to get it I have been to get this for the few months no one would help me until less Saturday couldn't get no help be fore that ok this suck

1 year ago

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Mike Coz Geneva, NY

I have had their card through my bank throughout past 5 years and because of my past credit was bad , which has been paid off and I can’t get even another chance w/out putting min. $200 , but due to current situation, I don’t get any cash and have been recommended by my doctors not to work yet , so

1 year ago

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GREGORY MC LENDON

SHOULD CONTACT CUSTOMERS WHEN A BETTER RATE ON THE CARD IS AVAILABLE. WITH CLOSER WATCHING TO GET THE LOWER RATE THIS WOULD BE A SERVICE MOST WOULD LIKE TO HAVE. JUST A TEXT OR EMAIL INDICATING, HEY GIVE US A CALL SO WE CAN LOWER THAT CREDIT CARD RATE FOR YOU.

1 year ago Edited August 17, 2022

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The Original Lewes, DE

Once you can finally get through issues normally do get cleared up on the first phone call. The employees answering the phones are always very kind and have positive attitudes.

1 year ago

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upnorthwi Bellevue, WA

I currently have Visa, there really isn't anything special to rave about. It is a higher interest rate card with no cash rewards. Customer service isn't that good.

2 years ago Edited January 3, 2022

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Sean Hogan Bloomfield, CT

Canceled their service as interest was rising. They have continued to increase interest rates on the remaining balance.

9 months ago

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Marsha Miamisburg, OH

No way to pay through mobile device. It was inconvenient to change to new company when AAA. Changed Visa companies

1 year ago

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Todd johnson Sparta, WI

Not negotiable at all with interest rates, like most credit card companies, they aren’t a standout

2 years ago