Visa Credit Cards

All information about Chase Sapphire Preferred®, Wells Fargo Cash Wise Visa® card, and Wells Fargo Platinum card has been collected independently by hfyhpf120.com and has not been reviewed by the issuer.

Comparing Visa Credit Card Offers

You likely think little about the labyrinthine system of payments and reimbursements that go into buying that Starbucks latte you grab every morning. See that little Visa logo on the front of your credit card? With it comes a contract that protects you every time you use the card.

Depending on the benefits tier you have on your Visa card, you can enjoy everything from an auto rental collision damage waiver to various travel insurance offers and extended warranties. Whichever card you end up picking, there are a number of things you need to know. Here, we look at:

• countrywide prohibitions in countries such as Iran, Sudan and Syria due to U.S. sanctions and other laws. Otherwise, Visa cards are accepted at most places and can be used on almost any purchase, including when checking out at Costco – a luxury exclusive to Visa.

  How big is Visa? How many Visa cards are there?

  Visa dominates most of the world market as a payment network. Let’s look at Visa’s financial and physical reach:

  • 3.3 billion cards worldwide
  • 200+ countries and territories
  • 15,900 financial institutions
  • $11 trillion total volume
  • 160+ currencies
  • 46+ million merchant locations

  Visa vs. Mastercard benefits

  Benefit	Visa Traditional	Mastercard Basic	Visa Signature	Mastercard World	Visa Infinite	Mastercard World Elite
  24-hour service	X	X	X	X	X	X
  Lost or stolen card reporting	X	X	X	X	X	X
  Emergency card replacement	X	X	X	X	X	X
  Emergency cash disbursement	X	X	X	X	X	X
  Auto rental collision damage waiver	X		X		X
  Zero liability	X	X	X	X	X	X
  Roadside dispatch	X		X		X
  ID theft protection		X		X		X
  Fuel rewards		X		X		X
  Price protection		X	X	X		X
  Extended warranty		X	X	X	X	X
  Year-end summary			X		X
  Travel, emergency assistance			X		X
  Return protection			X		X
  Purchase security			X		X
  Travel accident ins.			X		X
  Trip cancellation			X		X	X
  Trip delay			X		X
  Lost luggage			X		X
  Free shipping				X		X
  Access to high-end rentals			X	X	X	X
  Priceless® experiences				X		X
  24/7 Concierge				X	X	X
  Hotel stay/rate guarantee				X		X
  Travel deals				X	X	X
  Airport concierge				X		X

  What to think about when picking out a Visa credit card

  • Look at the benefits level. Visa cards basically come in 3 tiers: Basic, Signature or Infinite. Each has benefits that accumulate – so the Signature and Infinite cards have the Basic features and then some.
  • Look at the card issuer’s benefits. For example, while you can’t get Lost Luggage Reimbursement a Visa Signature, you might be able to get them through the card’s issuer.
  • Review the rewards. When looking at Visa cards, take a look at the rewards offered by the card issuer, such as sign-up bonuses and ongoing purchase rewards.
  • Study the annual fee. The card issuer may impose an annual fee, but it might be worth your while, depending on which Visa tier it has and what rewards the issuer offers.

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