For the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they're looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans.
Kat Tretina Personal Finance WriterFor the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they're looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans.
Written By Kat Tretina Personal Finance WriterFor the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they're looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans.
Kat Tretina Personal Finance WriterFor the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they're looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans.
Personal Finance Writer Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
Dylan Pearl Credit Cards EditorOver a decade of editorial experience across a number of publications and more than 60 countries visited have given Dylan Pearl a wealth of travel knowledge, and the tools to effectively communicate that knowledge to others. Dylan has made it his mis.
| Credit Cards Editor
Updated: Jul 25, 2024, 12:15pm
Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.
Getty
Are you looking for a credit card with more luxurious perks? It may be time to upgrade to a Visa Signature card. The Visa Signature isn’t a credit card; instead, it’s a card tier that offers higher-end benefits than you get with a typical card.
The Visa Signature benefits can vary based on the financial institution issuing the card, but the core benefits include travel and emergency assistance, roadside dispatch, emergency cash disbursement and concierge service.
Visa is one of the largest and best-known credit card networks in the world. It works with many banks, credit unions and companies that issue credit cards. Each card issued through the Visa network is given a distinction, such as Visa Traditional, Visa Signature or Visa Infinite.
Visa Signature cards are a higher tier than Visa Traditional cards, and they provide cardholders with added benefits and perks.
Requirements vary by card and issuer, but Visa Signature cards like the Chase Sapphire Preferred® Card generally require good to excellent credit.
If you qualify for a Visa Signature card, you can take advantage of perks above and beyond what you can get with a Visa Traditional card.
Visa Traditional Visa Signature Lost or Stolen Card Reporting Emergency Card Replacement Emergency Cash Disbursement Dovly Uplift ID Navigator Power By NortonLifeLock Zero Liability Roadside Dispatch Travel and Emergency Assistance Luxury Hotel Collection Rental Car Privileges Airport Lounge Access ✓ (only on some cards) Airline Incidental Fee Rebate ✓ (only on some cards) Auto Rental Collision Damage Waiver ✓ (only on some cards) Global Entry Statement Credit ✓ (only on some cards) Extended Warranty Protection ✓ (only on some cards) Lost Luggage Reimbursement ✓ (only on some cards) Travel Accident Insurance ✓ (only on some cards) Emergency Medical/Dental ✓ (only on some cards) Baggage Delay Reimbursement ✓ (only on some cards) Emergency Evacuation ✓ (only on some cards) Cellphone Protection ✓ (only on some cards) See More See LessVisa Signature cards include travel and emergency assistance. With this benefit, you can contact a multilingual call center 24 hours a day, seven days a week. While traveling, the travel and emergency assistance line can help you with issues like:
Services arranged through the travel and emergency assistance call center are an additional cost.
As a Visa Signature cardholder, you can enjoy rental car privileges with partner companies like Avis and Budget. Currently, cardmembers can qualify for up to 25% off qualifying rentals.
When you use your Visa Signature card to book a stay at a hotel that is part of the Luxury Hotel Collection, you can automatically qualify for the following perks (varies by hotel and availability):
If your car breaks down, you can contact Visa Signature roadside dispatch to get connected to local providers of the following services:
The services aren’t included with your credit card; you’re responsible for paying the provider for any services rendered.
If your card is lost or stolen and you need cash to tide you over until a replacement card arrives, Visa will arrange for you to pick up cash at a local bank or credit union near your current location. To take advantage of this service, call 1-800-847-2911.
If you need a new card, contact your card company. Visa Signature cardholders can get an emergency replacement within 24 to 72 hours.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
Prime Visa On Amazon's Website Welcome Bonus Get a $100 Amazon Gift Card Annual Fee Credit Score Good, Excellent Regular APR 20.49% - 29.24% VariableCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members United℠ Explorer Card On Chase Bank USA, NA's Website Welcome Bonus Earn 50,000 bonus miles Annual Fee $0 intro annual fee for the first year, then $95 Credit Score Good/Excellent Regular APR 21.99% - 28.99% VariableCredit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
The Visa Signature concierge is a service you can use to get assistance with travel arrangements, booking restaurant reservations or securing the perfect gift. Any purchases or services used through the concierge are an additional cost.
Visa Signature cardholders can sometimes qualify for additional perks through Visa special offers. Current offers include:
Visa is the network behind Visa Signature cards. The issuer is the bank or credit union that issues the card; the credit card issuer establishes the card’s eligibility requirements, rates and perks.
Although all Visa Signature card issuers are required to offer a core suite of services—the perks listed above—some issuers offer additional rewards and benefits. Potential benefits you may qualify for as a Visa Signature cardholder include:
If you’re ready to apply for a Visa Signature card, these are three of the best Visa cards available based on their rewards and benefits:
If you regularly make purchases through Amazon, the Prime Visa could be a good option. It has no annual fee, and you can earn 5% back on purchases at Amazon.com, Amazon Fresh, Whole Foods Market and on Chase Travel℠ purchases with an eligible Prime membership, unlimited 2% back at gas stations, restaurants and on local transit and commuting (including rideshare), and unlimited 1% back on other purchases.
For frequent travelers who are brand loyal to United, the United℠ Explorer Card merits a look. The card has a $0 intro annual fee for the first year, then $95 annual fee, earns unlimited miles with no caps and offers priority boarding and a free checked bag when you pay with your card.
The Chase Sapphire Preferred® Card is one of the most popular travel rewards cards. Although it does have a $95 annual fee, card members can earn the following rewards: 5 points per dollar on travel purchased through Chase Travel℠, 3 points per dollar on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per dollar on all other travel purchases and 1 point per dollar on other purchases
The card also offers premium benefits beyond what Visa Signature cards typically include. For example, the card includes trip cancellation and interruption coverage, baggage delay insurance, auto rental collision damage waiver and trip delay reimbursement.
No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.
Visa Signature cards offer a host of benefits across numerous cards. Meaning that you will likely find one that fits your needs, and when you do, you will gain access to a number of ancillary perks that increase the value of your card. Be sure to check your card;s terms and conditions, as not all benefits are included on every Visa signature. However, you can be sure that the core benefits will be present, no matter the card, and these can represent significant value to you.
Was this article helpful?
Share your feedback Send feedback to the editorial team Thank You for your feedback! Something went wrong. Please try again later. Find the Best Credit Card
By Robin Saks Frankel
By Michelle Black
By Becky Pokora
By Jenn Underwood
By TJ Porter
By Becky Pokora
Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
Personal Finance WriterFor the past seven years, Kat has been helping people make the best financial decisions for their unique situations, whether they're looking for the right insurance policies or trying to pay down debt. Kat has expertise in insurance and student loans, and she holds certifications in student loan and financial education counseling.
© 2024 Forbes Media LLC. All Rights Reserved.
Are you sure you want to rest your choices?The Forbes Advisor editorial team is independent and objective. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. This compensation comes from two main sources. First, we provide paid placements to advertisers to present their offers. The compensation we receive for those placements affects how and where advertisers’ offers appear on the site. This site does not include all companies or products available within the market. Second, we also include links to advertisers’ offers in some of our articles; these “affiliate links” may generate income for our site when you click on them. The compensation we receive from advertisers does not influence the recommendations or advice our editorial team provides in our articles or otherwise impact any of the editorial content on Forbes Advisor. While we work hard to provide accurate and up to date information that we think you will find relevant, Forbes Advisor does not and cannot guarantee that any information provided is complete and makes no representations or warranties in connection thereto, nor to the accuracy or applicability thereof. Here is a list of our partners who offer products that we have affiliate links for.
