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Taz Visa®
Taz Visa®
- 29.99% variable based on the Prime Rate Regular Purchase APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Taz Visa® is a credit builder credit card that offers a platform for responsible use but little else. The card, from First National Bank, continuously monitors for credit limit increases, giving you the tools you need to demonstrate a positive credit history and graduate to more impressive rewards cards in the future.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Stay on top of your account with the Taz mobile app
- U.S. based customer service
- 24/7 zero liability fraud protection
- Taz regularly monitors for credit limit increases
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: 2% of the amount of each cash advance
- Annual Fee: See Terms
- Late Payment Penalty Fee: Up to $7.50
- Return Payment Penalty Fee: Up to $25
- You have bad credit and want to repair it with responsible use
- You can afford the steep annual fee
- You don’t plan on using the card to carry a balance
- You have a mail offer from Taz
Current Build Card
Current Build Card
- 0.00% Regular Purchase APR
- 0.00% Cash Advance APR
At a Glance
The Current Build Card is a no annual fee secured card that builds credit while earning up to 7X points and 4% APY on savings. The card features no account minimums, no overdraft fee, and spending insights to help your build credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Build credit with no minimum deposits and no annual fee
- Up to 4% APY on savings
- Earn up to 7X points on purchases with over 14,000 merchants
- No overdraft fee
- Regular Purchase APR: 0.00%
- Cash Advance APR: 0.00%
- Annual Fee: $0.00
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: 3% of any Total Due balances outstanding and past due for two or more billing cycles
- You are new to credit and want an easy way to begin building credit
- You plan on utilizing Current's spending insights to help you save money
- You don't want to pay an annual fee to earn rewards
Universal Rewards Plus Visa Signature®
Universal Rewards Plus Visa Signature®
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Universal Rewards Plus Visa Signature® Card offers up to 4% cash back on Universal purchases, plus provides 10% savings on eligible purchases within the park. Cardholders also enjoy special 0% APR financing for 6 months and more for a $99 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 4% back in rewards on qualifying Universal purchases
- 2% back in rewards on Travel, Gas and Dining purchases
- Earn one single day theme park general admission ticket each account anniversary
- $99 annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $99
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You love theme parks but prefer Universal Studios
- You plan to keep the card year-after-year to take advantage of the single-entry reward
- You want basic cash back rewards on everyday purchases
Universal Rewards Visa Signature®
Universal Rewards Visa Signature®
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.99% to 28.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 28.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The Universal Rewards Visa Signature® Card is a no frill rewards card that earns 2% back on eligible Universal purchases, 1% back on all other purchases, and more - for a $0 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 2% back in rewards on qualifying Universal purchases
- 1% back on all other purchases
- 10% ff select merchandise, food and beverage purchases
- No annual fee
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.99% to 28.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- You love theme parks but prefer Universal Studios
- You don't want to pay an annual fee
- You want basic cash back rewards on everyday purchases
Upgrade Select Visa®
Upgrade Select Visa®
- 21.96% to 29.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 21.96% to 29.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
At a Glance
The Upgrade Select Visa® combines the best of the regular Upgrade Card for those looking to establish a strong credit history with unsecured credit for the first time. Cardholders enjoy up to 10% cash back on select merchants through Dosh®, and a sensible welcome bonus, all for a modest $39 annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Combine the flexibility of a card with the predictability of a personal loan
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- See if you qualify in seconds with no impact to your credit score
- No touch payments with contactless technology built in
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- Regular Purchase APR: 21.96% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 21.96% to 29.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Up to 5%
- Annual Fee: $39
- Foreign Transaction Fee: Up to 5%
- You struggle to pay off your credit card balances
- You want a structured repayment plan
- You can reliably pay off your statement balances and establish a strong credit history
- You have a desire to get debt-free quickly
- You hate penalty or other hidden fees
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What is Visa?
Visa is the world’s largest payment network. Over 335 million credit cards, debit cards, and prepaid cards are in circulation bearing the Visa brand name – more than 100 million more than Mastercard, its closest rival. Visa is a global financial corporation with its headquarters in Foster City, California. The company, as the largest payment network, helps banks conduct electronic funds transfers – the process by which card payments are made.
Visa does not issue credit cards itself. Nor does the company issue its own debit cards or prepaid cards. Instead, Visa partners with banks, lenders, and other financial institutions to provide payment solutions for their card products.
Where is Visa Accepted?
The Visa network is the most extensive payment network in the world. As such, Visa credit cards are accepted in over 200 countries across the globe. While Mastercard is accepted in slightly more countries (212 to 200), Visa is accepted by more merchants – over 40 million to date.
The Visa network is so vast there is never a need to ask, “do you accept Visa?” The chances are that if the store takes electronic payments, they take Visa. This reliability is what makes Visa such a trusted name in the credit card industry.
Having a card with Visa on it gives you the peace of mind that you are protected anywhere you go. It’s no wonder Visa’s slogan, “It’s everywhere you want to be,” is so iconic.
Types of Visa Credit Cards
While Visa doesn’t issue cards themselves, they do offer several tiers of credit cards to issuers. Each tier has unique benefits and perks for cardholders, including comprehensive protection. There are currently three tiers of Visa personal credit cards and three tiers of Visa business credit cards:
Personal Cards:
- Classic/ Traditional/ Platinum
- Signature
- Infinite
Business Cards:
- Business
- Signature Business
- Infinite Business
Traditional
Visa Traditional (also known as Visa classic or Visa Platinum) is the basic level of Visa credit or debit card. These cards offer basic protections and benefits that most cardholders have come to expect from the Visa name. Traditional Visa cards typically do not have an annual fee, except for some secured credit cards
Visa Signature
Visa Signature is the mid-tier of the Visa range of card products, offering elevated service, benefits, and security. Signature cards may – or may not – have an annual fee and typically come with rewards from the issuer.
Visa Infinite
Infinite is the ultimate in credit card perks and protections. Infinite credit cards are the most prestigious of travel cards, offering luxury, statement credits, and hefty annual fees to match. These cards are the upper tier of a bank’s credit card lineup.
Visa Credit Card Benefits and Protections
Here are the safety features and perks associated with each of Visa’s personal credit cards:
| Visa Platinum | Visa Signature | Visa Infinite | |
|---|---|---|---|
| Zero Fraud Liability | ✅ | ✅ | ✅ |
| Roadside Dispatch | ✅ | ✅ | ✅ |
| Cardholder Inquiry Services | ✅ | ✅ | ✅ |
| Lost/Stolen Card Reporting | ✅ | ✅ | ✅ |
| Emergency Card Replacement | ✅ | ✅ | ✅ |
| ID Navigator from Norton | ✅ | ✅ | ✅ |
| Auto Rental Collison Damage Waiver | ✅ | ✅ | ✅ |
| Travel and Emergency Assistance Services | ❌ | ✅ | ✅ |
| Extended Warranty | ❌ | ✅ | ✅ |
| Signature Concierge | ❌ | ✅ | ❌ |
| Infinite Concierge | ❌ | ❌ | ✅ |
| Luxury Hotel Collection | ❌ | ✅ | ✅ |
| Return Protection | ❌ | ❌ | ✅ |
| Travel Accident Insurance | ❌ | ❌ | ✅ |
| Trip Cancellation/Trip Interruption Insurance | ❌ | ❌ | ✅ |
| Trip Delay Reimbursement | ❌ | ❌ | ✅ |
| Lost Luggage Reimbursement | ❌ | ❌ | ✅ |
Visa Benefits Explained
Here is a quick breakdown regarding these Visa features, including what cardholders can anticipate from each Visa credit card:
- Roadside Dispatch: Visa Roadside Dispatch is a pay-per-use towing and roadside assistance program. This program gives travelers peace of mind should they break down, anywhere, 24/7.
- Auto Rental Collision Damage Waiver: Receive coverage when you use your Visa to pay for the entire cost of car rental. This protection covers damage due to collision or theft.
- Cardholder Inquiry Service: 24/7 access to Visa customer service representatives who can provide detailed information for members in all major languages.
- Lost or Stolen Card Reporting: Visa will help you block your lost or stolen card and connect you with your bank.
- Emergency Card Replacement: Once connected with your bank, Visa will work with them to get you an emergency replacement card within one to three days. Conditions apply.
- Emergency Cash Disbursement: Visa can also work with your bank to help get your emergency cash until your new card arrives.
- Zero Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Extended Warranty Protection: This program provides holders with an extra year of warranty coverage for eligible U.S. manufacturer goods with a warranty of one year or more.
- Year-end Summary: A detailed summary of your spending to help simplify your budgeting in the new year.
- Travel and Emergency Assistance Services: 24/7 assistance for Signature cardholders anywhere in the world.
- Visa Signature Concierge: Customized customer service to help cardholders make reservations, buy tickets, and receive advice.
- Visa Signature Luxury Hotel Collection: Signature cardholders get exclusive access and guest privileges at over 900 luxury hotels worldwide.
- Return Protection: Receive extra protection for items you purchase with your Infinite Card of up to $300.
- Purchase Security: Eligible purchases made with an Infinite card are protected from damage or theft within 90 days of purchase.
- Travel Accident Insurance: $500,000 of accidental death or dismemberment coverage for travel booked with an Infinite Card.
- Trip Cancellation/ Trip Interruption Insurance: If you must cancel or interrupt a trip paid for with your Infinite Card, Visa will reimburse you for the non-refundable costs.
- Trip Delay Reimbursement: Get reimbursed if your flight is delayed by more than six hours or requires an overnight stay. Terms and conditions apply.
- Lost Luggage Reimbursement: Receive reimbursement for lost or missing luggage when you purchase an airline or common carrier ticket with your Infinite card.
- Visa Infinite Concierge: Personalized concierge service 24/7.
- Visa Infinite Luxury Hotel Collection: Enhanced benefits over Signature, including free breakfast, room upgrades, and more.
Visa Business
Visa business cards come with many of the same features of personal cards, but with additional tools to help businesses succeed. These tools include payment management by combining statements, additional employee cards, and business monitoring tools. These protections allow companies to keep control of their finances, while the Signature and Infinite perks enable employees to travel in comfort and style at the same time.
Here’s a breakdown of Visa Business features by card type:
| Visa Business | Visa Signature Business | Visa Infinite Business | |
|---|---|---|---|
| Zero Fraud Liability | ✅ | ✅ | ✅ |
| Roadside Dispatch | ✅ | ✅ | ✅ |
| Cardholder Inquiry Services | ✅ | ✅ | ✅ |
| Lost/Stolen Card Reporting | ✅ | ✅ | ✅ |
| Emergency Card Replacement | ✅ | ✅ | ✅ |
| Auto Rental Collison Damage Waiver | ✅ | ✅ | ✅ |
| Travel and Emergency Assistance Services | ✅ | ✅ | ✅ |
| Purchase and Extended Protection | ✅ | ✅ | ✅ |
| Lost Luggage Reimbursement | ❌ | ✅ | ✅ |
| Travel Accident Insurance | ❌ | ❌ | ✅ |
| Trip Delay and Cancellation Insurance | ❌ | ❌ | ✅ |
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.