Visa Credit Cards
Looking for a Visa credit card? You'll find a great selection below. These cards are among the most widely accepted in the world and this is why: Visa International is the backbone behind the largest payment processing system in the world. As a matter of fact, the Visa network connects customers, banks, businesses and government agencies in 200 countries around the globe and counting. Although Visa does not issue or service credit card accounts, the Visa network enables its 21,000 plus members to issue and maintain credit card accounts for millions of cardholders. With the increased reliance upon electronic currency, it’s no wonder why Visa is one of the largest companies in the world.
Chase Freedom® Visa - $100 Bonus Cash Back + 0% Intro APR
Chase Freedom is the highly popular cash back card from Chase, and it exists as several variants which may differ on bonus amounts or interest rate terms. All versions of the card have the same cash back, rewards and fee structure though. This particular variant provides a great balance between initial cash bonus and favorable 0% intro APR terms. According to Kiplinger, your average annual rebate is $440 if you charge $20,000 on your card in one year.
Reviews & Mentions:
- Kiplinger's Best Rewards Cards for 2011
- Chase Freedom Credit Card Review (The Digerati Life)
| Intro APR | Intro Period | Regular APR | Annual Fee | Balance Transfers | Credit Needed |
| 0 | Varies | As low as 11.99% Variable | $0 | Yes | Excellent / Good |
VISA vs. MasterCard: What's The Difference?
It’s been a long standing debate: Which card is better? Visa or MasterCard? Is there a difference between the two brands? Is it just a name or is there something more? Is this really one company with two different brands? The truth of the matter is that while Visa is a separate company from MasterCard, both companies work much the same way. For instance:
- Both Visa and MasterCard offer a global payment processing platform. Both Visa and MasterCard have worked very hard to offer a technologically advanced network that connects businesses, consumers and financial institutions in a safe and efficient manner. Both companies boast a transaction network that can process in excess of 10,000 electronic payments per second, reliably and securely.
- Neither Visa nor MasterCard issue credit cards directly. While the Visa and MasterCard brands are synonymous with the credit card industry, neither company issues credit to individuals, businesses or any other agency, nor do they set payment terms, interest rates, or other fees. Visa and MasterCard are both made up of members, or the financial institutions that issue credit cards, that are the think tanks behind the innovative card products that are ultimately offered to consumers and businesses.
- Both Visa and MasterCard set the standards by which credit cards can be accepted. While these two companies are removed from issuing or maintaining individual credit card accounts, they do have a say so in how the industry itself is regulated. The regulations set forth by Visa and MasterCard with regards to how credit card transactions are handled, generally affect the merchant acquiring business, or the businesses that facilitate the transfer of funds from a cardholder to a business after a purchase has been made.
- Where one is accepted, the other is accepted. Merchants who agree to accept either Visa or MasterCard in their business will accept both brands at the point of sale.
- It’s a matter of preference. Most cardholders will agree that it’s not about the brand that is emblazoned across the lower right hand corner or the credit card, it’s about the card product itself. Choosing a credit card is based on a variety of factors including interest rate, fees, credit limit, rewards opportunities and qualification criteria. Brand identity should only come into play when deciding between two equally beneficial credit card products.
No matter how you look at it, a Visa credit card is as powerful a financial tool as a MasterCard. Take comfort in knowing that both brands are secure and accepted in more locations than any other credit card product on the market today.