Calculator: 10 Best Visa Credit Cards [2021]

Visa partners with some of the best cash back and rewards credit cards in the market. Get our best picks and calculate total rewards based on your spend.

The Point Calculator's top picks for the 10 best Visa credit cards are:

  • Capital One Venture Rewards Credit Card
  • Chase Sapphire Reserve®
  • Chase Freedom Unlimited®
  • Bank of America® Premium Rewards® credit card
  • Southwest Rapid Rewards® Priority Credit Card
  • Unitedâ„  Explorer Card
  • Marriott Bonvoy Boundless™ Credit Card
  • IHG® Rewards Club Premier Credit Card
  • Costco Anywhere Visa® Card by Citi
  • U.S. Bank Altitude Reserve Visa Infinite Card

Capital One Venture Rewards Credit Card

The Capital One Venture Card is one of the best Visa credit cards for building travel rewards at a flat rate. It earns 2 Venture Miles per $1 spent on all purchases which can be redeemed towards travel at 1 cent per point or can be Capital One's airline partners decent value. The Venture Card is great for international travel since it has no foreign transaction fee and it shines best when you focus all of your spend across the card throughout the year.

Capital One Venture Rewards Credit Card
Rewards Rates
2X
Earn an unlimited 2X miles per $1 spent on every purchase, every day.
Intro Bonus
Limited Time Offer: Earn 100,000 bonus miles when you spend $20,000 on purchases in the first 12 months from account opening, or still earn 50,000 miles if you spend $3,000 on purchases in the first 3 months
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Earn unlimited 2X miles on every purchase, every day
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Redeem on travel—including flights, vacation rentals, car rentals and more. Plus transfer your miles to over 15+ travel loyalty programs
  • No foreign transaction fees

Chase Sapphire Reserve®

If you want top of the line travel rewards points and benefits with your Visa card, the Chase Sapphire Reserve will be the card to go for. It earns 3 Ultimate Rewards Points per $1 spent on travel and dining, and 1 point per $1 spent on everything else. The Sapphire Reserve is loaded with benefits which includes a $300 annual travel credit, 50% redemption value boost on travel through Chase's portal, Priority Pass membership, top notch travel and purchase insurance, and much more. It's easy to redeem points for 1.5 cents towards travel with Chase or transfer them to Chase's airline and hotel partners for a chance at even more value.

Chase Sapphire Reserve®
Rewards Rates
3X
3X per $1 spent on travel after earning your $300 travel credit
3X
3X per $1 spent on dining
1X
1X per $1 spent on all other purchases
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%
Main Card Highlights

Chase Freedom Unlimited®

The Chase Freedom Unlimited stands out as one of the best cash back Visa cards. This is due to the 5% back on travel purchases, 3% back on dining and drugstore purchases, and 1.5% back on everything else. There aren't many no-annual fee cards that offer an easy 1.5% return across non-category spend while still earning a solid return in several other categories.

Chase Freedom Unlimited®
Rewards Rate
5%
Earn 5% on travel purchased through Chase.
3%
Earn 3% on dining at restaurants and drugstores
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Main Card Highlights
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee

Bank of America® Premium Rewards® credit card

The Bank of America Premium Rewards credit card earns 2 Travel Rewards Points per $1 spent on travel and dining purchases and 1.5 points per $1 spent everywhere else. Points can be redeemed for 1 cent each towards gift cards, travel purchased through the Bank of America Travel Center, and cash redemptions which makes this a great Visa card option if you're looking for simple rewards.

Bank of America® Premium Rewards® credit card
Rewards Rate
2X
Earn an unlimited 2X points per $1 spent on travel and dining purchases
1.5X
Earn an unlimited 1.5X points per $1 spent on all other purchases
Intro Bonus
Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • If you're a Bank of America Preferred Rewards member, you can earn 25%-75% more points on every purchase
  • Get up to $100 in Airline Incidental Credits annually and TSA Pre✓®/Global Entry Statement Credits of up to $100, every four years
  • Redeem for cash back as a statement credit, deposit into eligible Bank of America® accounts, credit to eligible Merrill® accounts, or gift cards or purchases at the Bank of America Travel Center
  • No limit to the points you can earn and your points don't expire

Southwest Rapid Rewards® Priority Credit Card

The Chase Southwest Priority Card is one of the best Visa card options if you want to earn a steady stream of Southwest Points and receive several benefits when flying Southwest. The card earns 2 Southwest Points per $1 spent with Southwest and Southwest's Hotel & Car Partners and 1 point per $1 spent on everything else. Benefits of the card include an annual $75 travel credit, anniversary points, boarding upgrades, and in-flight discounts. You can also run spend through the Southwest Priority Card to earn Tier Qualifying Points towards status.

Southwest Rapid Rewards® Priority Credit Card
Rewards Rate
3X
Earn 3 points per $1 spent on dining, including takeout and eligible delivery services, for the first year.
2X
Earn 2 points per $1 spent on Southwest® purchases.
1X
Earn 1 point per $1 spent on all other purchases.
Intro Bonus
Earn 40,000 points after you spend $1,000 on purchases in the first 3 months. Plus, earn 3X points on dining, including takeout and eligible delivery services, for the first year.
Annual Fee
$149
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 7,500 bonus points after your Cardmember anniversary each year.
  • $75 Southwest® travel credit each year.
  • 4 Upgraded Boardings per year when available.
  • 20% back on in-flight drinks and WiFi.

Unitedâ„  Explorer Card

If you're looking to earn airline miles with United, the United Explorer Card is a great entry-level Visa card. It earns 2 United Miles per $1 spent on United, restaurant, and hotel purchases and 1 mile per $1 spent on everything else. The card offers a handful of useful and money saving benefits such as a free checked bag, priority boarding, annual United Club passes, discounts on in-flight purchases, and superb travel insurance.

Unitedâ„  Explorer Card
Rewards Rate
2X
Earn 2 miles per $1 spent on hotel stays and United purchases
2X
Earn 2 miles per $1 spent at restaurants and eligible delivery services
1X
Earn 1 mile per $1 spent on all other purchases
Intro Bonus
Up to 65,000 Bonus Miles. Get 40,000 bonus miles after you spend $2,000 on purchases in the first 3 months your account is open. Plus, an additional 25,000 bonus miles after you spend $10,000 in the first 6 months.
Annual Fee
$0 the first year, then $95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Up to $100 Global Entry or TSA PreCheck® fee Credit
  • 25% back on United inflight purchases
  • Check your first bag for free (a savings of up to $140 per roundtrip) when you use your card to purchase your ticket
  • Enjoy priority boarding privileges and visit the United Clubâ„  with 2 one-time passes each year for your anniversary

Marriott Bonvoy Boundless™ Credit Card

The Chase Marriott Bonvoy Boundless Card is an entry level hotel rewards Visa card that's great if you're looking for a card specifically for Marriott spend. It earns 6 Marriott Bonvoy Points per $1 spent with Marriott and 2 points per $1 spent on everything else. Benefits of the card include an annual free night value up to 35,000 points (which is worth the fee alone), 15 elite nights towards elite status, and complimentary Marriott Silver Elite status.

Marriott Bonvoy Boundless™ Credit Card
Rewards Rate
6X
Earn 6X Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™.
2X
Earn 2X Bonvoy points for every $1 spent on all other purchases.
Intro Bonus
Limited Time Offer! Earn 100,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Automatic Silver Elite Status each account anniversary year.
  • Earn up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy™. That's 6X with the card and 11X as a Silver Elite member.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • 15 Elite Night Credits each calendar year.
  • No Foreign Transaction Fees.
  • Earn unlimited Marriott Bonvoy points and get Free Night Stays faster.

IHG® Rewards Club Premier Credit Card

If you enjoy staying at IHG, you'll want to pick up the IHG Premier Card as it's the best Visa card for earning IHG Points when staying at their properties. The card earns 10 IHG Points per $1 spent at IHG, 2 points per $1 spent across grocery, gas station, and restaurant purchases, and 1 point per $1 spent on everything else. The card offers a list of benefits including access to their 4th night free benefits, complimentary IHG Gold Elite status, 20% off the purchase of IHG Points, and great travel insurance.

IHG® Rewards Club Premier Credit Card
Rewards Rate
10X
Earn 10 points per $1 spent at IHG properties
2X
Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants
1X
Earn 1 point per $1 spent on all other purchases
Intro Bonus
Earn 125,000 bonus points plus a Reward Night after spending $3,000 on purchases within the first three months of account opening
Annual Fee
$89
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide
  • Enjoy a Reward Night when you redeem points for any stay of 4 or more nights
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card

Costco Anywhere Visa® Card by Citi

If you're a Costco member and you're looking for a great travel rewards Visa, the Costco Anywhere Visa Card will be a great fit. It earns 4% cash back on gas station purchases (on up to $7,000 in spend per year), 3% back on travel and restaurant purchases, 2% back in-store and online with Costco, and 1% back on everything else. If you're a Costco Executive member, cash back earned from that membership will stack on top of the rewards earned using the Visa which means you'll be earning a very nice 4% back altogether. The Costco Anywhere Visa Card also has no foreign transaction fee which makes it a nice Visa card for earning rewards on international travel and spending.

Costco Anywhere Visa® Card by Citi
Rewards Rate
4%
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases
Intro Bonus
No current intro bonus
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
Main Card Highlights
  • Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

U.S. Bank Altitude Reserve Visa Infinite Card

If the Chase Sapphire Reserve doesn't quite match up with your spend habits, the U.S. Bank Altitude Reserve Card is another great premium card option. It earns 5 Altitude Rewards Points per $1 spent on hotel and car purchases in the Altitude Rewards Center, 3 points per $1 spent on travel and mobile wallet spending, and 1 point per $1 spent on everything else. Benefits of this card includes a $30 streaming credit, cell phone protection, and a Global Entry or TSA PreCheck credit. If you're big on mobile wallet spending, this is the card for you. Points earned with the Altitude Reserve Card are worth 1.5 cents each.

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards that are tied to the Visa network. Visa Business credit cards will not be in the results.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option. If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such. Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations. You can set any of the currencies listed below to 0 to calculate based on the non-transfer value (in which most are 1 cent per point with the exception of Chase's 1.25/1.5 cent redemptions). The values I have listed are what I think is the easiest value to get out of your points when transferring to partners. You can click on the to learn more about the value of the currency (opens in a new tab/window).
Depending on what you're calculating, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
Results Will Appear Here
Updated 2021-03-30 By Robert Flowers III

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