Founded in 1970 in Foster City, California, Visa is a financial institution that serves a wide variety of customers all over the world. The company has processed more than 100 billion transactions with total volume exceeding $6.8 trillion. Visa offers identity protection services to its cardholders at no additional charge.

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The Good

Zero Liability Policy
Internet Surveillance

Zero Liability Policy

Visa offers its cardholders a zero liability policy that protects against potential unauthorized charges. If a charge is suspected to be unauthorized, it will be put on hold. Once a charge is confirmed to be unauthorized, the cardholder will be reimbursed for the transaction.

Internet Surveillance

Visa scans private and public databases for suspicious activity. If any fraudulent action is detected, the company will alert customers immediately.

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The Bad

Service Limitations
Identity Recovery

Service Limitations

The identity theft protection services offered by Visa are severely limited when compared to those offered by other companies in the industry. For example, Visa does not provide credit monitoring, family plans, or antivirus software.

Identity Recovery

Visa does not offer much in the way of identity recovery. For example, the company does not provide medical recovery, criminal recovery, lost wallet services, or insurance coverage.

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The Bottom Line

Visa is a financial institution that offers its cardholders identity protection services for no additional cost. The company provides internet surveillance and a zero liability policy, but does not offer credit monitoring, lost wallet services, or insurance coverage.

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User Reviews

Star Rating

4.9

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11 Reviews

Review Breakdown

5 grade

91%

4 grade

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2 grade

1 grade

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Quality

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Service

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Hank Ricardo

I lost my wallet one night. People used my visa and charged it over $500 before I cancelled it. Visa saw the unusual purchases and reimbursed me within a week. I was so happy. Customer service was kind and empathetic. Thanks Visa.

5 months ago

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Bobby Kevin Burbank, CA

My wife and I are very comfortable and confident that Visa's ID protection procedures provides the complete protection needed for us to use the card at Costco, any other retail store, gas stations, restaurants and when traveling.

1 year ago

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Debra Cook Edmonton, AB

I had my MasterCard used by someone who took it from my purse in a school teacher coat room. When I realized that the student involved had made a purchase (at a store that I would never even go to), I contacted VISA. They were empathetic, understanding my angst about an $810. purchase I hadn't made. The money was put back in my account. As for the student, well! I don't really know what consequences resulted.

2 years ago

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Dwayne Holland Charlotte, NC

I like this I'd protection because it paid for some fraudulent charges that someone charged on my account. I still don't know to those day who it was but one thing I do know and that is that I was reimbursed for the charges. The customer service rep was super helpful too

2 years ago

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Steven Whites Salt Lake City, UT

Their process is a little bit tougher to deal with when you have been frauded. They want all the details, proof, etc. Which how the heck would you know all of the details of who ever frauded you and when n where, you just know the transactions. So I gave them as much information as I possibly could and they did eventually help get most of the fraud off of my account, but IMO there are better companies out there. This was years ago, so I don't know if their policies have changed since when I was with them.

2 years ago Edited March 2, 2022

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Frank Rivera Lynnfield, MA

I lost my card during a recent vacation. The Visa representatives cancelled and reissued my card prior to vacation ending. More importantly Visa's representatives assured me I wouldn't be responsible for unauthorized charges.

2 years ago

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Gary Sorrento, FL

My wife and I have each been using our Citi Visa Signature credit card thru Costco for over 25 years. My wife and I are very comfortable and confident that Visa's ID protection procedures provides the complete protection needed for us to use the card at Costco, any other retail store, gas stations, restaurants and when traveling.

2 years ago Edited May 11, 2022

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Kaitlyn Rios Ogden, UT

I love my Visa ID Protection. I love that its a service with my visa credit card, combined in my billings. I like how I am safeguarded all the time from identity theft and for an economical fee.

4 years ago

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Rischelle Mikkelson American Fork, UT

I really appreciate Visa's active approach to ID protection. When I had fraud on my Visa card, they were quick to stop any further intrusions. They also helped to fix the fraud quickly and protect my ID.

5 years ago

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Russell Vastine Aurora, CO

Visa alerts me whenever something pops up on my credit and I can review it fast. I like the text feature it will text me an alert.

2 years ago

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Tori State of Mind Naples, FL

I love how the app helps make it easy to quickly glance and check in on my cyber security.

2 years ago