Visa credit cards are not issued by the company itself. Instead, Visa is a payment processing network, and cards are issued by partner financial institutions. Other examples of payment processing networks include Mastercard, American Express, and Discover.

Many credit card issuers that you may be familiar with, or perhaps even your personal banking institution, may offer Visa credit cards.

According to the company’s corporate website, there are more than 2.5 billion Visa credit cards in use worldwide.

Continue reading for a full review of this company and Visa reviews from real customers.

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The Good

Visa Offers and Perks
Visa Card Protections
Worldwide Card Acceptance
Travel Support
Helpful Business Tools
24/7 Customer Service
Mobile Payments
Positive Customer Reviews

Visa Offers and Perks

While specific rewards will vary by card issuer, Visa offers a wide variety of offers and deals that can help you save money and earn rewards on shopping, sports, entertainment, and more.

In many cases, Visa has specific retailer partnerships that offer cardholders special deals and savings. Some of these retailers include GlassesUSA.com, BarkBox, Reebok, H&M, Hertz, as well as over 900 luxury hotels.

Visa Card Protections

Visa offers specific benefits and protections, but these will vary by card issuer and so it is important to check with your card issuer to learn more about the Visa card benefits and features that are available to you.

Protections offered by Visa include the following:

Zero liability — If your card is lost, stolen, or fraudulently used, you won’t be held responsible for unauthorized transactions.
Cardholder inquiry services — Available on all Visa cards, this service provides card users with 24/7 customer phone support.
Emergency card replacement — If you need a replacement card, Visa will work with your card issuer to get you a new card within 24 to 72 hours.
Roadside dispatch — A pay-per-use roadside assistance program, available 24/7.
Lost or stolen card reporting — If your card is lost or stolen you can call Visa Global Customer Care Services to quickly resolve the issue.
Emergency cash disbursement — In case of emergency, Visa can arrange a wire cash transfer within 2 hours of approval from your card issuer.

Worldwide Card Acceptance

One of the benefits of using a Visa card is that it is accepted nearly everywhere. This is a point highlighted in many 5-star Visa customer reviews.

Travel Support

While traveling you can be confident that your Visa card will be accepted at most locations, but the company also offers a variety of travel support tools and resources:

Lost or stolen card assistance — If your card is lost or stolen, Visa will work with you to quickly replace it.
Currency exchange calculator — Quickly estimate your exchange rate in another currency with the currency exchange calculator.
Global ATM locator — Find a global ATM, wherever you are.
Visa prepaid cards — Use a prepaid Visa card instead of cash.
Travel and emergency assistance services — Available to all Visa Signature and Visa TravelMoney cardholders; find referrals for medical, legal, and/or transportation services.

In addition to these services, Visa outlines helpful tips that can protect you while traveling, allowing you to enjoy a stress-free trip.

Helpful Business Tools

Visa offers a variety of tools for small businesses, providing the groundwork for easy money movement for merchants through the Visa network.

24/7 Customer Service

Customers can reach a customer service representative by phone 24/7 if any questions arise or if they need assistance with a credit card issue. A live chat option is available as well on the corporate website.

Customers can also contact Visa by email and receive a response within 24 to 48 hours. The company also has an FAQ section that answers many questions customers frequently ask.

Mobile Payments

Customers are able to make payments and purchases directly from a payment-enabled smartphone, tablet, or wearable device. With retail merchants that offer the Contactless symbol at the cash register, users can simply swipe their phone to complete the transaction instead of having to pull out their credit card.

Online purchases are also protected through Visa Checkout. Most transactions are securely protected against the possibility of hackers accessing sensitive financial information. In the unlikely event it does happen, zero liability protection helps provide coverage for any fraudulent unauthorized purchases.

Positive Customer Reviews

The majority of Visa reviews are 5-star, with customer frequently highlighting the following:

Travel protection services
Generous rewards, particularly for travel, including air miles and hotels
Reliable fraud-alert system and quick response time to fraudulent claims
Conveniently wide card acceptance and purchase protection

While complaints are limited, some customers do mention high interest rates.

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The Bad

Rates, Fees, and Other Features May Vary

Rates, Fees, and Other Features May Vary

Because Visa is a payment processing network and not a card issuer, rates, terms, fees, and other card features may vary by financial institutions offering Visa cards. Therefore, it is important to touch base with your card issuer on rate and term specifics because Visa can’t guarantee any of these factors.

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The Bottom Line

Visa is a well-known global payments technology provider that offers a wide range of credit card offers to consumers of all credit types. The company is highly reputable in the industry with billions of transactions taking place annually around the world.

Specific rates, terms, fees, and rewards will vary by credit card issuer, but Visa does offer specific services, such as its travel support and card protection services, that are consistent across all Visa cards. For specific information on factors such as rewards, you should contact your card issuer.

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User Reviews

Star Rating

4.7

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586 Reviews

Review Breakdown

5 grade

75%

4 grade

21%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Jen Paxman Lehi, UT

I have a Chase Visa card and we really like it. I like that Visa cards are accepted everywhere and I never have to ask "do you accept Visa". The customer service is great and the rewards are unmatched for what our family needs. The website is very user friendly and I am able to see all of my accounts on one page. The first credit card I ever applied for was a Visa and I have had one ever since. Visa stands by their cards and promotions and I am a loyal customer for life.

7 years ago

star star star star star

Rhonda Sanford Merrick, NY

I have had many positive experiences in dealing with Visa and their customer service department. There have been several business disputes using my Visa card and they have all been professionally and rapidly handled. In addition, my card was lost and they handled it quickly. Another times, some expensive purchases were being made and the company called m to check if they were legitimate ones. All in all, it has been a positive relationship.

8 years ago

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Linda Jensen Newberg, OR

We use our Visa for all our monthly purchases. (Always pay off each month). And our new Costco Visa is awesome! The cash back that we will be getting is so much better than our last Visa card. Also, someone got a hold of my # and made some rather large purchases, and Visa was quick to notify us. They took care of everything. Good to know they are watching my back.

8 years ago

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Warren Grover Seattle, WA

Last year, we opened an account at Costco and went with their Costco Visa card. We use it for as many-non cash transactions as possible and we are excited about the Costco rewards we are getting from the card--and we do not shop at Costco that often so many of the points are from other sources. (We would shop their more often but we are in the mountains about two hours away from the nearest Costco so is difficult to get there.) I also love the ease of using the Citi Visa; the website is very efficient and easy to use--I check my purchases quite often. They have been very good to me when I have disputed some charges and they seem to really be on my side as much as they can be. I highly recommend this card!

4 years ago

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Steve Ashby Portland, OR

We have A LOT of Visa Credit cards and they are all great. I really like the Chase visa cards. Points through the Marriott Visa have allowed us to do lots of traveling. The United Airlines Visa card is great for free luggage and gives lots of points. We also switched over to the Costco Visa when they made the switch from AmEx, super beneficial with rebates on gas and every purchase, has saved us hundreds. Finally, a go to for us is the Alaska air Visa. Also good for free luggage and lots of points, and you get a BOGO every year! It is safe to say we don't make a purchase without getting some Visa point of rebate perk.

5 years ago Edited September 14, 2021

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Marcie M Idaho Falls, ID

I have used Visa ever since I first got a credit card. It’s the best credit card company in my opinion. I’ve never had any annual fees, transfer fees, or any unnecessary fees. I love the cash back rewards program. At the end of each year I’m able to earn enough rewards points to get some nice things for my family. One year I got my husband an Apple Watch for Christmas with the rewards points I had saved up and he loved it! We recently used our points to purchase airplane tickets for a family vacation to Disneyland. Pretty awesome! I have never had a single negative issue with Visa. They’re a great company and have served us well for many years.

5 years ago

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Baj5527 Brigham City, UT

I love my Visa card. It’s all I use. I have other cards but honestly I prefer to use my Visa. I receive a wonderful benefit from using this Visa in the form of %of $spent at Costco and other places. Since I use this Visa mostly there I gain a great “reward” yearly. I have had on occasion a few times when I’ve refused charges on my Visa. I don’t like doing that but they have done a wonderful job of researching the charge for me and for the most part they have resolved the issue for me. I’m so happy with my Visa company. I don’t know about other Visa providers but mine is truly great. I don’t have to pay an annual fee and as long as I pay my balance by the payment date I don’t pay any interest. I’m very happy with my situation. I receive a check from Visa to be used at Costco. Which actually I can cash there. I don’t have to spend it all there. Their Customer Service is excellent. Anytime I’ve called they have been able to answer my questions and put me at ease within minutes. Again I’m totally pleased with my Visa.

6 years ago Edited September 14, 2021

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Steve Anderson Lindon, UT

I love my Visa card!! I've never had a problem with it. It's never been declined anywhere I've traveled throughout the world. The customer service is excellent. Nor have I had a problem understanding the folks I call with questions and asking for help. That's a big help for me. It's terribly frustrating when I call for online support and cannot understand what the person on the other side of the line is trying to tell me. I've had my Visa for so long I don't even remember when I first got it. I also love the fact that it covers the fees for using it overseas. This card is a keeper, without a doubt.

7 years ago

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Anoushka Ahuja Lecanto, FL

I can use my Visa card anywhere! I was on vacation on a cruise and I needed to withdraw a large amount for some shopping I had to do and they immediately sent me a fraud alert! That was great to see that they take security very seriously and once I ensured that it was a legitimate purchase they lifted the pause and all it took was one phone call

4 years ago

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JOHN M CAMPBELL ,

I have several Visa Cards & also own stock in the company. Visa has a great fraud-alert system & caught fraudulent activity on my account before I knew it (and I check the accounts every day). That fact alone makes me trust Visa's processing systems.

5 years ago

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Eddie Rios Ogden, UT

Visa as a brand makes life easier. I use Visa credit cards every single day making purchases, booking travel, restaurants and the rest of life's necessities. They are accepted everywhere and easy to maintain. Visa has changed our culture for the better. I would never stop using my Visa cards!

6 years ago

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Larson Riverton, UT

As an 18 year old, it was a little hard to find a place that would approve my credit card but once i did, it has been very nice!! The company and its services are great. Visa has met my expectations and never caused any problems.

6 years ago

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Shauna Horne American Fork, UT

We have used Visa for over 20 years and I have always been extremely satisfied by their service. The cards work well, they are accepted everywhere (even when we visit Canada) and they have good customer service. I will continue to use Visa.

7 years ago

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Brinley Knowles Smithfield, UT

I love my Visa card. Most everywhere I go they take Visa which is so nice. I always put money on my card and don't have to worry about carrying around cash. Such a great card that I use every single day if not multiple times a day.

7 years ago

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Cassidy Gundersen Orem, UT

I have one Visa credit card, and it’s pretty good. I use my husband’s Amazon Prime Visa, which is AMAZING. I would definitely recommend it to everyone who has an Amazon Prime account. You can get 5% back on purchases made on Amazon. We buy things on Amazon all the time, so we’ve made a ton of money back so far!

8 years ago

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Connie Mayer South Jordan, UT

VISA is a good company that gives me good cards that I trust. There isn't much special about it though. They are good with customer service. They answer quickly. I once asked them to lower their rates on my card and they did, so they listen to me as a customer.

8 years ago

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Lindsey Andersen Provo, UT

I love that Visa is accepted EVERYWHERE - including smallest businesses. They alert me if there is activity that is suspicious, I get a notification every single time it is charged, and I appreciate the fraud protection as well. Plus, no annual fee for my Capital One Venture Card!

8 years ago

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Dougie D Harold, KY

Visa is straight forward about their fees. Depending on card offer you can get very low interest rates. They will also upgrade your card plan aka bigger max cap and lower fees after good status over time, just ask! The only card that won’t slap on hidden fees for doing it. Also identify theft they are swift on! They will wipe off those illegal charges with little hassle or worry! Don’t worry they got you credit score back!

4 years ago

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Party0f7 Macomb, MI

Visa has allowed me to travel the world during my college study abroad days. It is a card accepted everywhere. It has allowed me to book flights and has converted foreign currency appropriately. I have notified the company ahead of time with my travel plans but when I have forgotten to, they have verified with me to make sure my account has not had fraudulent activity. I am confident with Visa in accuracy and appreciate quality customer service experiences

4 years ago

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Jeff Graves Long Beach, CA

I had an issue about 2 months ago where my identity was stolen ,I received a text message from a represenative telling me about some unusual charges being made ,,told me it wasn't me and instantly the card was shut down and because the person using the card was using it at same time I was on the phone with the represenative the person was caught and arrested .haven't had no problems with the fraudulent purchases all was taken care of and the money was restored back to my account

4 years ago

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Robert Wilson Rockville, MD

I use Visa almost exclusively. It is accepted everywhere I go. Their Fraud and Protection service has been great. They alerted me to my card being used in New Jersey when I was in Florida. With one call they quickly rectified the situation by place a hold on all transactions in New Jersey. I was really impressed that they were able to reach out to mew so quickly when they detected the fraud. It gave me a great deal of confidence in their product. I highly recommend Visa and will continue to use it.

6 years ago

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Stephanie Love Herriman, UT

I love visa. I have a few cards with them and one i have the rewards card. I have got so many rewards from that card just by using it on purchases that I have to make daily. My favorite reward is the travel points. I have received several airline tickets from my rewards points. It has saved me so much money. Thousands. I use my visa credit card everyday. I love the rewards that I get from using it.

6 years ago

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Adrianne murray Brigham City, UT

Who doesn’t love a visa card? I love when my card is being used a little too much they will call me and make sure that the charges are valid. So I do think they have your best interest in mind. Every time I have left the state and not let them know they give me a call just to make sure it’s right. To me that is a very trustworthy company. Great customer service

6 years ago

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Beth Farmer Pleasant Grove, UT

Love my Visa! I get money back for paying off my Credit Card and they give it to me as cash right back into my account! Or you can pick a gift card to many different places and companies. Visa is also accepted everywhere. It's incredibly easy to pay my bills online. One time my card was being used by someone out of the country and I was immediately notified and reimbursed and my card was shut down and a new one sent without skipping a beat. I feel safe with Visa and we've only had positive experiences being their customer.

7 years ago

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Ashley Pleasant Grove, UT

I only carry Visa in my wallet and have never had any trouble not being able to use it until I went to a Smith's grocery store self check out and was told they don't take Visa Credit Cards but they take other ones. I just used my Visa Debit and all was well. I love the perks my Visa gives me with points for normal everyday use like the grocery store and restaurants.

7 years ago

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Tori Miller Draper, UT

Visa is the #1 credit card company in my opinion. We have never had a problem when are card has been used for fraud or not getting the product we paid for. They are very quick to refund the money even before any investigating or looking into the problem occurs. Their customer service is always very friendly and helpful and will help you in any way. Visa is all I do use or will ever use.

8 years ago

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Jodie Larson Pleasant Grove, UT

I love that Visa is accepted across the world and just about everywhere I go! It is easy to use , convenient to set up auto payments, reliable, and I love the rewards program that I have with my plan! They constantly monitor my account to make sure that potential fraud is dealt with quickly and thoroughly. I know that I can trust Visa to watch out for me!

8 years ago

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Joanna Hester Gilbert, AZ

My husband and I both have Visa cards. Several months ago, a knob broke on our stove which barely was out of the manufacture's warranty. I used my Visa to purchase it so I called customer service and luckily my purchase qualified for a free repair. The bill was over $400 and Visa sent me a check to pay for the repairs. I will continue to buy everything on my Visa because of the extra protection I receive on my purchases.

8 years ago

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Frank Orlando, FL

Thank you for looking into the fraudulent claim on my credit cards. It’s comforting Knowing that I have a company that has my back on these issues. I received my New card within days and now feel safe again. Thank you

5 years ago

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Michelle Rios Ogden, UT

Visa has always been my credit card of choice. They have policies in place that protect their customers. They are accepted any place I want to use the card. I appreciate that they have wonderful customer service.

6 years ago

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Anne Kimball Salt Lake City, UT

Visa has always been the company I can rely on for taking my payments. I've never been denied at a company with a Visa card and now that Costco takes Visa cards I literally never use any of my others. I just don't need them!

8 years ago

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Judy Fred Narragansett, RI

Visa is the one name that is accepted all over. When I travel abroad, I grab my passport and my Visa! I's a name I've trusted since my first trip to the UK when I was in college (I won't say how long ago that was...). The customer service and the mobile app are wonderful.

4 years ago

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Silver Hokum Colorado Springs, CO

My first credit card was with Visa, I know it will always be in my wallet. No matter the situation I feel protected by Visa. knowing my buying power is enhanced with the great power of a credit card that protects your money and will be there when you need. I've always been treated as a valued customer and know Visa is on my side.

4 years ago

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darcy sullivan Pensacola, FL

I have had a Visa card for many years now, and it has been nothing but great. They are great at keeping in touch with me if there seems to be any suspicious activity regarding my card. The app that comes with it is also extremely useful and easy to use.

4 years ago

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Wendy Shaw Queens, NY

The perfect credit card for a ALL life styles. Credit cards, debit cards, prepaid cards, gift cards and more! Easy to apply and browse opptions on-line. Low / zero intro rates... Excellent custumer service. On-line banking and so much more!!!! A Must Have...

4 years ago

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Khadija Kachwala London, ON

I've been using Visa cards since years from back home in India to now in Canada. I've used them with different banks like ICICI and Scotiabank and the experience has always been wonderful. There's been no annual fees charged to me and the tap payment method is great for as little contact as possible. Always recommend visa!

4 years ago

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Velma Merritt Ozark, MO

Visa is my favorite card. They not only do not charge me a fee but they have rewards. I also like being able to challenge a dishonest charge. One time I came home from a foreign country and had 12 baggage charges. They said, "Cut up your card, we'll send a new one." We'll take care of the problem. Great customer service.

4 years ago

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Alicia Mesa, AZ

I have used Visa for a lot of years and have been totally happy with them. I've never had any issues with them and when I have had issues with being hacked or having my information stolen, they have been awesome with helping in that instance and making sure I was taken care of. I have been pleased with them and would recommend them to others!

4 years ago

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OrvilleBro Herriman, UT

We use Visa on a day-to-day basis. We feel safe using this service because we know we are protected from the many dirtbags and thieves that like to steal people's money. They have been proactive in letting us know if our card has been stolen and immediately flagging suspicious activity.

4 years ago

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Natalie Rousey Riverton, UT

I have had a Visa card for a very long time. It has been a great card to use and is accepted everywhere (at least it feels like that to me). The website is clear and easy to use. I am able to easily maneuver through the website and find answers when problems arise. I would recommend this credit card to anyone.

4 years ago

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Shopman Herriman, UT

I have had a Visa credit card for years. They have been quick to protect me from fraud. It is also easy to get fraudulent charges reversed. I have been very happy with their rewards program. Getting cash back for just spending is awesome!

4 years ago

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Rich N New London, CT

Visa is a service on several of my cards, including the one I use for all of my travel providing points and travel coverages as well as my checking debit card. I can't recall a place where I have not been able to use my VISA as it is accepted everywhere.

4 years ago

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Cam Hall Palmyra, VA

Thank god for Visa and making credit card usage so accessible across the world. All but my Amex are Visa cards, and the ability to use those cards worldwide is incredibly valuable and has saved my butt plenty of times. Also, they lead the pack with adoption of tech like chip security, contact less payment, and other amazing tech.

4 years ago

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altavise davis Tallahassee, FL

Visa is honestly the best ! I have no complaints. Visa Credit Cards allow me to feel safer about purchasing products rather than using my bank card especially due to fraud. You can put a certain amount on it and use it for emergencies like me! I highly recommend

4 years ago

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Gabe Burton Riverton, UT

Visa is accepted everywhere, which is super nice. The Costco by my house actually only accepts visa cards, so it's nice to know I've got what I need. My payments are paid automatically, and if I ever need to check on my balance, it's right here on my phone. Honestly, no complaints here.

5 years ago

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Vicki H. Poolesville, MD

I have a Visa card associated with my credit union account -- very convenient. I have reasonable interest rates and I get purchase credits that I use for gift cards. I handle all transactions online and have no problems with them.

5 years ago

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Greg Francis Saratoga Springs, UT

The convenience of Visa has changed the way we pay. I have been a Visa consumer, and a Visa merchant, and in both cases, appreciate the services Visa provides, including the purchase protection, and the global locations I can purchase.

5 years ago

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Margaret Beus Richland, WA

I like the cash back feature on my Visa card because I always pay my balance in full so I make money. I am also pleased with the customer service. The one time I missed the payment due date by a couple of days, they reversed the service charge and interest fee. I definitely appreciated their understanding.

5 years ago

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Freddy V Eagle Mountain, UT

3 out of my 5 cards are Visa and they always get accepted everywhere I go! I’m not going to say who the other cards are from but once in a while they don’t get accepted when I’m at the register and it’s embarrassing, but I never have a problem with Visa! So thanks for the great service!

5 years ago

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Kent Logan, UT

Visa was my first credit card decades ago, opened so I could establish credit. After many years and many other credit cards coming and going, it is the only one I still hold. It has the best rate, is most widely accepted, and is hassle free.

5 years ago