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Visa operates the world's largest and most sophisticated consumer payments processing
system. It is jointly owned by more than 21,000 member financial institutions
around the globe. Visa itself does not offer cards or financial services directly
to consumers and merchants. Instead, Visa enables banks to offer cards and other
payment services that can be used anywhere Visa is accepted.
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Capital One® VentureOneSM Rewards Credit Card
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- 1.25 miles per dollar on every purchase, every day
- Redeem miles for airline tickets, hotel rooms, car rentals and more
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- Use rewards for travel, merchandise, gift cards and more
- 0% intro APR on purchases until February 2011
- No foreign transaction fees
- No annual fee
- To apply online click the "Apply Here" button or call 1-866-582-0808
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% until February 2011 |
None |
13.9% Variable |
None |
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PartnersFirst Cash Back Visa® Credit Card
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- Get a $50 statement credit, when you spend $100 on purchases within 60 days on the card.*
- Earn 1% cash back on every purchase and customize your card with your favorite photo!
*Terms of Offer: In order to qualify, you must be approved and make qualifying purchases totaling $100 within the first 60 days of account open date. Credit will be applied to your account within 4 to 6 weeks following promotional period. Offer valid for new cardholders through this promotion only. Not valid for existing PartnersFirst Rewards cardholders. This promotion is offered and administered by PartnersFirst. Offer to apply expires May 5, 2010. |
| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo.* |
16.24% Variable |
None |
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SlateSM from Chase
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- 0% Intro APR for up to 12 months
- Pay down balances on your terms with BlueprintSM
- Zero Liability on unauthorized purchases
- E-mail and text alerts
- No Annual Fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% for up to 12 mo. |
0% for up to 12 mo. |
13.24% Variable |
None |
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Citi Forward® Card
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- The credit card that rewards you for good behavior.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- 6,000 bonus points after $250 in purchases are made within 3 months of account opening.
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- 0% APR for for 7 months on purchases and balance transfers.
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% for 7 mo. |
0% for 7 mo. |
14.24% Variable |
None |
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Wisdom Financial Services Rewards Visa® Credit Card
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- Earn Double Points on every purchase at "Big Box" Home Improvement Stores!
- Earn 1% cash back on every purchase
- Or, choose airline travel with no blackout dates, merchandise, gift cards and more.
- Save with an introductory 0%* Annual Percentage Rate (APR) for Balance Transfers for for 6 months* and then the standard APR for purchases applies*
- No Annual Fee
- Total fraud protection
- 24/7 customer service
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo.* |
16.24% Variable |
None |
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BMW Car Club of America Rewards Visa® Card
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- Customize your card with your favorite BMW photo!
- Redeem points for BMW Performance Center driving experiences, BMW CCA gear and Free Membership. … and more
- Or, choose airline travel, merchandise, gift cards or pro sports events
- Earn 1% cash back on every purchase!
- Save with an introductory 0%* Annual Percentage Rate (APR) for Balance Transfers for for 6 months and then the standard APR for purchases applies*
- 24/7 customer service
- No Lates fees. No Overlimit fees. No Annual Fee
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo. |
16.24% Variable |
None |
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% until February 2011 |
None |
13.9% Variable |
None |
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| Intro Purchase APR |
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APR |
Annual Fee |
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None |
0%* for 6 mo.* |
16.24% Variable |
None |
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Simmons First Visa® Platinum
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| One of the lowest ongoing APRs in the nation |
- Variable APR of 7.25%
- No annual fee
- Global acceptance
- Travel insurance
- Car rental loss/damage waiver covering collision, theft and vandalism
- Emergency cash and credit card replacement
- Card issued by Simmons First National Bank
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
7.25% |
None |
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Visa Black Card
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- Limited membership
- 24-hour concierge service
- Exclusive rewards program
- Luxury gifts
- Patent pending carbon graphite
- Annual fee $495
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
0% for 6* mo. |
13.24% |
$495 |
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PenFed Promise VISA Card
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- Absolutely No Fees!
- Introductory Purchase Rate – 7.49% APR for the first 36 months. Afterwards, the APR will vary with the Prime Rate and is currently 9.99% APR.
- No Foreign Transaction Fees!
- Some restrictions apply.
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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7.49% for 36 mo. |
7.49% for 36 mo. |
9.99% |
None |
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PenFed VISA Platinum Gas / Cash Rewards Card
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- 13.99% APR – Lower than most rewards cards!
- Earn 2.00% Cash Back on Supermarket Purchases*
- Earn 5.00% Cash Back from Gas Purchases Paid at the Pump*
- Earn 1.00% Cash Back from All Purchases** You Make with the Card During Each Billing Cycle
- Up to $50,000 Limit
- No Annual Fee
- Cash Rewards Credited Each Month
- No Special Restrictions to Earn Your Cash Rewards
- Limited Time Only – Low Balance Transfer Rates†
- You must be a Pentagon Federal Credit Union member to apply. Not a member? It’s easy to join. You must be a United States Government employee, member of the United States Military and Uniformed Services, employee or volunteer of the American Red Cross, member of the National Military Family Association, or a family member/housemate of a current PenFed member.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
4.99%-6.99%* for 24 mo. |
13.99% |
None |
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Chase SapphireSM
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- Earn $100 in rewards - that's 10,000 bonus points after your first purchase!
- Redeem points for travel, gift cards, merchandise, cash back and more
- 2X points earned on airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- Points never expire and there are no limits on how many points you can earn
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel and purchase protection benefits
- All of this for no annual fee!
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
12.24% Variable |
None |
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Chase Sapphire Preferred Card
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- Earn $150 in rewards - that's 15,000 bonus points after you spend $1,000 in the first 3 months!
- Fly on leading airlines anytime. There are no travel restrictions or blackout dates and points never expire.
- Points are worth 25% more when you redeem for travel
- 7% annual points dividend - earn points on your points
- 1:1 points transfer to leading airline and hotel programs
- 2X points earned on all airfare booked through Ultimate Rewards & 1 point for every dollar spent on all other purchases
- 24/7 Dedicated service advisors (No voice recording)
- Premier travel services such as Trip Cancellation Insurance and Chase Global Lifeline.
- All of this for an $85 annual fee - waived the first year!
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
12.24% Variable |
See Terms* |
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Popular Student Visa Cards
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Citi Forward® Card for College Students
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- The credit card that rewards you for good behavior.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- 3,500 bonus points after $250 in purchases are made within 3 months of account opening.
- 2,500 bonus points when you sign up for paperless statements within 3 months of account opening.
- 5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
- 0% APR for for 7 months on purchases.
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| Intro Purchase APR |
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APR |
Annual Fee |
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0% for 7 mo. |
None |
17.24% Variable |
None |
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Citi® mtvU™ Platinum Select® Visa® Card for College Students
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- 0% APR on purchases for for 7 months if you qualify based on your application and credit history
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- Earn 5 ThankYou Points® for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rentals stores
- Earn 1 ThankYou Point for every dollar you spend on all other purchases
- Earn 25 ThankYou Points every month when you pay on time and don't go over your credit limit
- Earn up to 2000 ThankYou Points twice a year for maintaining a good GPA
- Redeem points for gift cards, travel, electronics, music and more
- No annual fee
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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0% if you qualify for 7 mo. |
None |
17.24% Variable |
None |
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Visa Cards for Bad Credit
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READYdebit® Card
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- 100% Approval Guaranteed!* – No Chexsystems or credit checks, bankruptcy okay!
- Now with FREE Credit Builder!
- Better than a checking account – Great online bill pay service with no overdraft, bounced check fees – EVER!
- Pay Nothing Now! – No deposits or prepayments required to get your card.
- FREE Direct Deposit! – stop paying to cash your paycheck.
- FREE phone and online access to your card account!
- No declined transaction fees!
- Great Loading Options – FREE direct deposit and bank account transfers, 60,000+ Green Dot and ReadyLink cash load locations.
- Safer than cash - All deposits FDIC insured; purchases covered by Visa Zero Fraud Liability protection.
- Cheaper than credit – no late fees, no over limit fees, no interest charges – EVER!
- * Subject to I.D. Verification
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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Upside Visa® Prepaid Card
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- The power of a bank account in a Visa Prepaid card
- Much cheaper than other prepaid cards. Compare and save!
- No activation fee. $0 monthly fee if $300 or more is loaded each month. Only $1.99 otherwise.
- Free Direct Deposit from your employer.
- Deposit cash at 60,000 locations nationwide.
- No credit check required. Bad credit is ok.
- Write personal checks, best to pay rent or other bills.
- Accepted like any Visa debit card in the US, abroad and online.
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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Baby Phat Prepaid Visa® RushCard
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- Show your style with the BabyPhat RushCard
- Guaranteed approval*
- No Credit Check
- Free Direct Deposit of pay, tax refund, anticipation loans
- No Overdraft Fees/ No Check Fees/ No Interest Fees
- Free Credit Builder
- 56% of cardholders save over $300/ year using the RushCard
- Make money with our Refer A Friend Program
- Reloadable with a $10,000 maximum balance
- Free Email/ SMS Alerts
- Card to Card transfers between RushCard Members
- Free Prescription Discount Card from RushCard – Save up to 85% on prescriptions
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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Vision Premier® Visa® Prepaid Card
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- No credit check, no debt, no interest, no overdraft fees
- Free unlimited purchases – signature and PIN
- Free customer service
- Free Direct Deposit: Get paychecks, benefits and tax refunds faster
- Free PayFit Credit Builder – Pay bills and build credit for free
- Free text and email alerts and online access to track spending
- Safer than cash if lost or stolen
- Accepted everywhere Visa Debit cards are accepted
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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AccountNow Prepaid Visa® Card
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- Instant guaranteed approval* – no credit check, no security deposit
- $0 activation fee – when you load your card by direct deposit
- Free direct deposit – no more check cashing fees
- Free online check writing – no need for expensive money orders
- Free credit builder* – bill pay transactions are reported to PRBC®
- No overdraft fees – no minimum balance required
- Reloadable - $10,000 balance limit
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| Intro Purchase APR |
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APR as low as |
Annual Fee |
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None |
None |
None |
See App. |
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ACE Visa Prepaid Debit Card
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- No application fee and no obligation
- No charge for withdrawals at 1,600+ ACE Cash Express locations with direct deposit
- Free unlimited purchase transactions with paid enrollment in FeeAdvantage Plan
- Get paid up to 3 days earlier than with a paper check with free direct deposit of your paycheck or government check
- No overdraft fees or minimum balances
- Free direct deposit of your paycheck or government check
- Protection from unauthorized transactions if card is reported lost or stolen. FDIC Insured
- Earning your trust since 1968
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VISA Credit Cards - Overview and Features
Visa credit cards by now are the most widely utilized payment brand in the world - they can be used pretty much anytime and anywhere. Cardholders in more than 150 countries carry more than 1 billion Visa-branded cards, which accounts for more than $3 trillion in annual transaction volume. People seem to agree that, indeed, Life Takes Visa.
Visa branded cards are offered by most banks, financial institutions, and many major brand names, airlines, hotels, universities, charitable organizations and other types of institutions.
Visa offers users worldwide acceptance and numerous additional benefits, such as extended warranty on purchases made with certain types of Visa cards and rental car collision and theft coverage on rental cars paid for with a Visa card (restrictions apply, see your card's terms and conditions). Other benefits include emergency cash disbursement and roadside assistance service. Lastly, card holders today enjoy worry-free shopping because of Visa's zero liability policy-if your card is stolen, you will owe nothing on any resulting fraudulent transactions.
Credit cards are such a ubiquitous part of life today that it is hard to believe that only fifty years ago, the only payment options were cash or checks. Credit cards are here to stay, and Visa cards have played and continue to play an important role in the evolution of the way payments take place in today's society.
Visa International's history can be traced back to 1958, when Bank of America launched its BankAmericard program in California, which marked the birth of the credit card industry. From that early beginning, Visa International emerged as an economic joint venture with more than 13,000 member financial institutions issuing Visa credit cards and debit cards to their customers.
Visa International provides an organizational umbrella within which member financial institutions have the freedom to structure their own credit card offers to consumers. Over the years, this built-in autonomy has spawned the profusion of Visa card deals costumers enjoy today. With the advent of online approval cards and other online conveniences, it has become easier than ever before to apply for a credit card.
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