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Visa Cards
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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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Most Popular Visa Cards
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Chase Freedom® Visa - $100 Bonus Cash Back |
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- Click "APPLY NOW" to apply online or call 866-688-6609
- This offer is for people with a good to excellent credit history which means, among other things, that your credit history is clear of bankruptcy and seriously delinquent accounts
- Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months
- 0% Intro APR for 12 months on balance transfers and 6 months on purchases
- 5% Cash Back on up to $1,500 spent at gas stations and on Amazon.com from 1/1/12 - 3/31/12.
- You'll enjoy new 5% categories every 3 months like grocery stores, restaurants and even airlines. It's free and easy to activate your bonus each quarter!
- Unlimited 1% Cash Back on all other purchases without limits on what you can earn and up to an additional 10% Cash Back when you shop online at select merchants through Chase
- No annual fee and rewards never expire
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Intro Purchase APR
0% for 6 months* |
Intro Balance Trans. APR
0% for 6 months* |
APR
11.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Capital One® VentureOneSM Rewards Credit Card |
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- To apply online click the “Apply Now” button or call 1-866-582-0808
- 1.25 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- 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
- 0% intro APR on purchases until February 2013
- No foreign transaction fees
- No annual fee
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Intro Purchase APR
0% until February 2013* |
Intro Balance Trans. APR
N/A* |
APR
11.9% - 19.9% (V)* |
Annual Fee
$0* |
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Chase Sapphire® Preferred Card |
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- Click "APPLY HERE" to apply online or call 1-888-848-0509
- Limited Time Offer - Earn 50,000 bonus points after you spend $3,000 in the first 3 months- that's $625 toward travel!
- 2 points per dollar spent on travel and dining & 1 point per dollar spent on all other purchases.
- Use 20% fewer points when you redeem for travel. Just book your flight, cruise, or other travel through Ultimate RewardsSM
- No foreign transaction fees
- Earn a 7% annual points dividend - even on points already redeemed
- Transfer points you've earned to participating frequent traveler programs at a 1:1 value
- 24/7 direct access to expert service advisors (No voice recording)
- No Annual Fee for your first year - A $95 value
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
15.24%* (Variable) |
Annual Fee
$95, Waived the first year* |
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Citi® Platinum Select® Visa® |
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- 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable
- APR will be 11.99%-21.99% based on your creditworthiness.*
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi® Identity Theft Solutions
- No annual fee*
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Intro Purchase APR
0% for 18 months* |
Intro Balance Trans. APR
0% for 18 months* |
APR
11.99% - 21.99%* (Variable) |
Annual Fee
$0* |
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Marriott Rewards® Credit Card |
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- Earn 30,000 Bonus Points after your first use, redeemable for up to 4 free nights; plus receive 2 free night stay e-certificates upon account approval
- No Annual fee for your first year – that's a $45 value*
- Earn 3 points for every $1 spent at Marriott® locations
- Earn 1 point for every $1 spent on other purchases
- Cardmembers achieve Silver elite status with 10 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
14.24%* (Variable) |
Annual Fee
$45, First Year Free* |
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Marriott Rewards® Premier Credit Card |
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- Earn 50,000 Bonus Points after your first use
- Receive 1 free night stay upon account approval and each year upon account anniversary
- Earn 5 points for every $1 spent at Marriott® locations
- Earn 2 points for every $1 spent on qualifying airline, dining, and rental car purchases
- Earn 1 point for every $1 spent on other purchases
- No foreign transaction fees
- Cardmembers achieve Silver elite status with 15 nights credit toward Elite status
- Redeem Marriott Rewards® points at Marriott properties including Renaissance Hotels, Courtyard, Residence Inn, and Fairfield Inn & Suites
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
15.24%* (Variable) |
Annual Fee
$85, First Year Free* |
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PenFed VISA Platinum Gas / Cash Rewards Card |
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- 13.99% APR -- lower than most rewards cards!
- 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.
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Intro Purchase APR
None |
Intro Balance Trans. APR
4.99%-6.99%* for 24 mo. |
APR
13.99% |
Annual Fee
None |
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Capital One® Orbitz® Visa® Platinum |
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- To apply online click the "Apply Now" button or call 1-866-582-0808
- 3 points per dollar spent on eligible Orbitz.com bookings
- Get 1 point per dollar on all other purchases
- Bonus points on eligible Orbitz.com bookings
- No limit on the points you can earn and points don't expire
- Redeem for Travel, Merchandise, Gift Cards and more
- Earn travel quickly with low redemption minimums
- 250 point refueling bonus when you redeem points for awards
- No annual fee
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Intro Purchase APR
0% until February 2013* |
Intro Balance Trans. APR
N/A* |
APR
13.9% - 19.9% (V)* |
Annual Fee
$0* |
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PenFed Promise VISA Card |
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- Absolutely no fees!
- 7.49% introductory purchase APR for first 36 months! After that, the APR will vary with the Prime Rate, and is currently 9.99% APR.
- No-fee cash advances carry a 17.99% 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.
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Intro Purchase APR
7.49% for 36 mo. |
Intro Balance Trans. APR
7.49% for 36 mo. |
APR
9.99% |
Annual Fee
None |
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Capital One® VentureSM Rewards Credit Card |
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- To apply online click the “Apply Now” button or call 1-866-582-0808
- Money® Magazine's "Most Rewarding Card if you crave free airline flights"
- 2 miles per dollar on every purchase, every day
- Earn 10,000 bonus miles, equal to $100 in travel
- Redeem your miles for ANY travel expense
- No limit on the miles you can earn and miles won't expire
- Fly free on any airline, any time with no blackout dates
- No foreign transaction fees
- $0 intro annual fee for the first year; $59 after that
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
11.9% - 19.9% (V)* |
Annual Fee
$0 intro for first year;$59 after that* |
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United MileagePlus® Explorer Card |
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- Earn up to 40,000 bonus miles & first year free, a $95 value*
- Check your first bag for free on United and Continental-operated flights, up to a $50 value round trip
- Board your flight before general boarding with priority boarding privileges
- Visit the United Club with two complimentary day passes every year, up to a $100 value
- Earn 2 miles for $1 spent on tickets purchased from United and Continental and 1 mile per $1 everywhere else
- Enjoy exclusive access to once-in-a-lifetime events through Inside Access from Chase
- Your miles don't expire and there is no limit to the number of miles you can earn
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
14.24%* (Variable) |
Annual Fee
$95, Waived the first year* |
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Credit One Bank® Visa Platinum Card |
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- Pre-Qualify for a Visa credit card without affecting your credit score
- Get a starting credit line up to $1,500
- No enrollment fee
- No over the credit limit fee
- Choose your card design from our premium gallery
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
23.90%* |
Annual Fee
See Website* |
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mPower™ Visa® Prepaid Card |
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- 100% Guaranteed Approval* - No Credit Checks
- $25 Cash Bonus, Free Activation & $0 Monthly when you use Free Direct Deposit
- Quick and Safe Access to your Money
- Easy Online Bill Pay
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
None |
Annual Fee
See App. |
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MTV® Visa® Card From Capital One® |
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- To apply online click the “Apply Now” button or call 1-866-582-0808
- Earn 5 points per $1 spent on entertainment like music, movies, video game rentals and sporting events
- Earn 2 points per $1 spent at restaurants, fast food places and coffee shops
- 1 point per $1 spent on everything else
- 25 bonus points each billing period you keep your account in good standing by paying on time
- Exclusive MTV rewards, such as MTV merchandise, tickets to MTV events like the VMAs, and MTV show tapings
- Also, redeem for travel, merchandise, gift cards and more
- No limit on the points you can earn and points don't expire
- 0% intro APR-pay no interest on purchases until February 2013
- No annual fee
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Intro Purchase APR
0% until February 2013* |
Intro Balance Trans. APR
N/A* |
APR
13.9% - 19.9% (V)* |
Annual Fee
$0* |
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Sony Card from Capital One® |
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- 5 points per $1 on Sony purchases at authorized retailers
- 3 points per $1 on dining out and movie purchases
- 1 point per $1 spent on all other purchases
- Redeem for Sony products, movies, music, and more
- Choose from 2 unique card designs
- 0% intro APR on purchases until December 2012
- No annual fee
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Intro Purchase APR
0% until December 2012* |
Intro Balance Trans. APR
N/A* |
APR
13.9% - 24.9% (V)* |
Annual Fee
$0* |
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REACH Visa® Prepaid Card |
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- Only 3 Fees - that's it - compare & save
- The card trusted by Tom Joyner
- Free Bill Pay & Check Writing
- Free Customer Service
- No Overdraft Fees, Interest Fees or Hidden Fees
- No Credit Check Required - Sign up Today
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
None |
Annual Fee
See App. |
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Popular Student Visa Cards
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Citi Forward® Card for College Students |
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- No Cosigner required
- APR reduction on purchases when using credit wisely
- 100 ThankYou Points each billing period that you pay on time and stay under your credit line
- Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
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Intro Purchase APR
0% for 7 months* |
Intro Balance Trans. APR
N/A* |
APR
13.99% - 22.99%* (Variable) |
Annual Fee
$0* |
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Visa Cards for Bad Credit
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READYdebit® Card |
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- Instant Account Number
- Free Credit Score
- Free Direct Deposit - paycheck, benefits, tax refunds
- Free Unlimited Purchase Transactions.
- Free Online Bill Payment & Check Writing
- No Overdraft Fees or Balance Minimums
- 100% Guaranteed Approval* - No Credit Checks
- Choose Your Card Color - Blue or Pink
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
None |
Annual Fee
See App. |
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UPside Visa® Prepaid Card |
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- Similar to a checking account with a Visa prepaid card
- Save up to $220 compared with other cards, the first year alone!
- 100% approval with no credit check and no activation fee.
- $0.99 monthly fee if $500 is loaded each month. (Only $4.95 otherwise).
- Free Direct Deposit from employers or government benefits providers
- Deposit cash at 50,000 retailers.
- Write personal checks online: easy to pay rent or other bills.
- Earn 1,500 cash back reward points for you first direct deposit load.
- Optional companion card available, as if you had a joint checking.
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Intro Purchase APR
N/A* |
Intro Balance Trans. APR
N/A* |
APR
N/A* |
Annual Fee
Up to $4.95 monthly |
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Vision Premier® Visa® Prepaid Card – Simple & Fair |
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- New - Free Roadside Assistance
- New - Free Savings Account with 5.65% APY
- 1% Cash Back on Gas Purchases
- Free Direct Deposit so you can get paid faster
- Free Bill Pay online or over the phone
- Free Transactions and Customer Service
- No Overdraft Fees, No Interest Fees, and No Hidden Fees
- No Credit Check - 100% Approval
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
None |
Annual Fee
See App. |
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AccountNow Prepaid Visa® Card |
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- $0 Monthly Fee
- 100% Guaranteed Approval* - No Credit Check
- No Minimum Balance
- Free Direct Deposit and Online Bill Payment
- Now with Purchase Rewards
- Perfect for Tax Refund direct deposit
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
None |
Annual Fee
See App. |
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mPower™ Visa® Prepaid Card |
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- 100% Guaranteed Approval* - No Credit Checks
- $25 Cash Bonus, Free Activation & $0 Monthly when you use Free Direct Deposit
- Quick and Safe Access to your Money
- Easy Online Bill Pay
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Intro Purchase APR
None |
Intro Balance Trans. APR
None |
APR
None |
Annual Fee
See App. |
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VISA Credit Cards - Overview and Features
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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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