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8 Best Visa Credit Cards To Make Your Travel Dreams A Reality

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8 Best Visa Credit Cards To Make Your Travel Dreams A Reality

Joseph Hostetler8 Best Visa Credit Cards To Make Your Travel Dreams A RealityMillion Mile Secrets Team

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INSIDER SECRET: The top card on this list has a welcome bonus worth at least $1,000 in free travel!

There are plenty of Visa credit cards banging down your door for the privilege of a spot in your wallet, and some are much better than others. Here’s a quick rundown of the best Visa credit cards for anyone wanting to travel for free:

Here’s a quick intro to each of these cards:

The best Visa credit cards can reduce your travel costs by hundreds and hundreds of dollars.

8 Best Visa Credit Cards for Free Travel

(This is more of a credit card speed date. If you want to get to know the cards in more detail, I’ve linked to the card reviews.)

Best Visa Business Credit Card

Ink Business Preferred

Apply Here: Ink Business Preferred℠ Credit Card

Read our review of the Ink Business Preferred℠ Credit Card

Fast Facts:

  • Welcome bonus worth at LEAST $1,000 in travel (when redeemed through Chase Ultimate Rewards)
  • Up to $600 in cell phone protection against covered theft or damage when you pay your monthly cell phone bill with the card
  • Top-notch travel insurance (baggage delay insurance, trip delay insurance, rental car insurance, etc.)
  • Super-generous 3 points per $1 you spend on common business expenses like travel, shipping purchases, phone, etc. (up to a maximum of $150,000 in combined purchases per account anniversary year)
  • $95 annual fee

The Ink Business Preferred comes with 80,000 Chase Ultimate Rewards points after you spend $5,000 on purchases in the first 3 months from account opening. Again, Chase Ultimate Rewards points are worth:

  • 1 cent each when you redeem them for cash ($800)
  • 1.25 cents each when you redeem them for travel through the Chase Travel Portal ($1,000)
  • Potentially more when you transfer your points to valuable transfer partners

Chase transfer partners include airlines and hotels like Hyatt, Singapore Airlines, and United Airlines. So, for example, you could transfer 75,000 points to Hyatt and stay 3 nights at an all-inclusive Hyatt hotel in the Caribbean and save $1,020 (and you’d still have points left over!).

Do you qualify? The Ink Business Preferred is a business credit card, so you won’t qualify if you don’t have a for-profit venture (but keep in mind that even start-up companies with little or no income can qualify for a business card). Similar to the Chase Sapphire Preferred, Chase will NOT approve you for this card if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Best Visa Travel Credit Card

Chase Sapphire Preferred

Apply Here: Chase Sapphire Preferred® Card

Read our review of the Chase Sapphire Preferred® Card

Fast Facts:

  • Welcome bonus worth at LEAST $750 in travel (when redeemed through Chase Ultimate Rewards)
  • Amazing travel insurance (baggage delay insurance, trip delay insurance, rental car insurance, etc.)
  • Earn DOUBLE the points for spending on travel and restaurants
  • $95 annual fee

The Chase Sapphire Preferred comes with 60,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months of opening your account. Chase Ultimate Rewards points are worth:

  • 1 cent each when you redeem them for hard cash ($600)
  • 1.25 cents each when you redeem them for travel through the Chase Travel Portal ($750)
  • Potentially LOTS more when you transfer your points to valuable transfer partners

This card is our number one recommendation for anyone just beginning in the world of free travel. That’s not because this is a “beginner” card, though. It’s just one of the most solid cards ever created, and it’s so easy to use that your great grandpappy can do it.

Chase transfer partners include airlines and hotels like United Airlines, Flying Blue (Air France and KLM), Southwest, and Hyatt. So for example, you’ll usually receive a value of ~1.5 cents per Southwest point. If you transferred your 60,000-point bonus to Southwest, you’d receive ~$900 in Southwest flights!

Do you qualify? Chase will NOT approve you for this card if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Best Visa Credit Card for Simple Travel Rewards

Capital One Venture

Apply Here: Capital One® Venture® Rewards Credit Card

Read our review of the Capital One® Venture® Rewards Credit Card

Fast Facts:

  • Welcome bonus worth $500 in travel
  • Flat 2 miles per $1 on all purchases
  • Up to $100 statement credit for Global Entry or TSA PreCheck
  • 10X miles on hotels when booked and paid through hotels.com/venture through January 2020
  • $95 annual fee (waived the first year)

The Capital One Venture comes with 50,000 bonus miles after you spend $3,000 on purchases within the first 3 months from account opening. You can either redeem your miles for 1 cent each toward travel purchases, or you can transfer your miles to 15 airline partners where they’re potentially worth more. (Read our post on how to use Capital One miles here.)

This is one of our favorite beginner cards due to the ease of earning and redeeming points. It’s another great card for folks who don’t like exerting brainpower to keep track of bonus categories. You’ll receive effectively 2% back in travel for all your purchases.

Do you qualify? Capital One keeps the details of their approval process close to the vest, but from what we can tell, folks with credit scores between 750 and 800 are most likely to be approved. Capital One says this card is for folks with “excellent credit” which they define as:

  • You’ve never declared bankruptcy or defaulted on a loan
  • You haven’t been more than 60 days late on any credit card, medical bill, or loan in the last year
  • You’ve had a loan or credit card for 3 years or more with a credit limit above $5,000

Best Visa Travel Credit Card for Premium Rewards

Chase Sapphire Reserve

Apply Here: Chase Sapphire Reserve®

Read our review of the Chase Sapphire Reserve®

Fast Facts:

  • Welcome bonus worth at LEAST $750 in travel (when redeemed through Chase Ultimate Rewards)
  • Up to $300 travel credit every account anniversary for travel purchases like flights, hotels, car rentals, etc.
  • Earn TRIPLE points on travel and dining (excluding $300 travel credit)
  • Airport lounge access
  • Up to $100 statement credit for Global Entry or TSA PreCheck
  • $450 annual fee

The Chase Sapphire Reserve comes with 50,000 Chase Ultimate Rewards points after you spend $4,000 on purchases in the first 3 months from account opening. With the Chase Sapphire Reserve, Chase Ultimate Rewards points are worth:

  • 1 cent each when you redeem them for cash ($500)
  • 1.5 cents each when you redeem them for travel through the Chase Travel Portal ($750)
  • Potentially more when you transfer your points to valuable transfer partners

That’s right, you’ll receive a value of 1.5 cents per point when you redeem your points through the Chase Travel Portal (instead of 1.25 cents with the above cards).

Do you qualify? With this card as well, Chase will NOT approve you if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Best Visa Credit Card for Cash Back With No Annual Fee (Tie)

Both the Freedom and Freedom Unlimited cards are good options if you’re looking for a no-annual-fee card that earns Ultimate Rewards points. Which one is best for you is dependent on your spending habits.

You might be able to get even more value from your rewards by pooling the Ultimate Rewards points you earn from spending on either of these cards with another card. For example, if you have the Chase Sapphire Preferred Card or Ink Business Preferred Credit Card, you get a 25% bonus when redeeming your points for travel through the Chase Ultimate Rewards Travel Portal. The Chase Sapphire Reserve is even better, giving you a 50% bonus when booking travel through Chase’s website. That means your Chase Freedom welcome bonus can be worth $225 in travel if you also have the Chase Sapphire Reserve.

Plus, if you have any of the cards mentioned above, you can combine your points then transfer them to Chase’s excellent travel partners, like Hyatt and United Airlines, and potentially get much more value.

Chase Freedom

Apply Here: Chase Freedom®

Read our review of the Chase Freedom 

Chase Freedom®

Fast Facts:

  • A welcome bonus of $150 (15,000 Chase Ultimate Rewards Points)
  • 5% cash back (up to $1,500) on rotating bonus categories each quarter
  • NO annual fee

With the Chase Freedom card, you’ll earn a $150 cash bonus (or 15,000 Chase Ultimate Rewards points) after spending $500 on purchases within the first 3 months of account opening.

Do you qualify? Chase will NOT approve you for this card if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Chase Freedom Unlimited

Apply Here: Chase Freedom Unlimited®

Read our review of the Chase Freedom Unlimited 

Chase Freedom Unlimited®

Fast Facts:

  • 3% cash back (3 Chase Ultimate Rewards points) on all purchases for the first year, up to $20,000 spent
  • 1.5% cash back (1.5 Chase Ultimate Rewards points per $1) after that
  • NO annual fee

There’s no official sign-up bonus with the Chase Freedom Unlimited beyond the opportunity to earn 3% cash back (3 Chase Ultimate Rewards points) on all purchases for the first year, up to $20,000 spent. At that rate, you could earn up to $600 cash back (60,000 Chase Ultimate Rewards points).

Do you qualify? Chase will NOT approve you for this card if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Best Visa Business Credit Card With No Annual Fee (Tie)

Pay REAL close attention and you might spot a theme: We love Chase Ultimate Rewards points!

These two small business cards earn Chase Ultimate Rewards points. They’re worth 1 cent each UNLESS you have one of these cards: Chase Sapphire Preferred, Ink Business Preferred, or Chase Sapphire Reserve. If you’ve got any of those cards, you can transfer the points you earn to airline and hotel partners, and you can receive increased value by reserving travel through the Chase Travel Portal.

Ink Business Cash

Apply Here: Ink Business Cash℠ Credit Card

Read our review of the Ink Business Cash℠ Credit Card

Fast Facts:

  • A welcome bonus worth $500 cash
  • 5% cash back (5X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at office supply stores and on phone, internet, and cable TV services each account anniversary year
  • 2% cash back (2X Chase Ultimate Rewards points per $1) on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
  • NO annual fee

The Ink Business Cash comes with $500 cash back (50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months of account opening.  That’s insane for a no annual fee card.

Do you qualify? The Ink Business Cash is a business credit card, so you won’t qualify if you don’t have a for-profit venture (but keep in mind that even start-up companies with little or no income can qualify for a business card!).

Chase will NOT approve you for this card if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Ink Business Unlimited

Apply Here: Ink Business Unlimited℠ Credit Card

Read our review of the Ink Business Unlimited℠ Credit Card

Fast Facts:

  • A welcome bonus worth $500 cash
  • Flat 1.5% cash back (1.5 Chase Ultimate Rewards points per $1) on all purchases
  • NO annual fee

The Ink Business Unlimited comes with $500 cash back (50,000 Chase Ultimate Rewards points) after you spend $3,000 on purchases in the first 3 months. Again, unbelievable for a no annual fee credit card.

This is a good business card for anyone who doesn’t want to juggle bonus categories. A solid (but not fantastic) return for every swipe.

Do you qualify? The Ink Business Unlimited is a business credit card, so you won’t qualify if you don’t have a for-profit venture (but keep in mind that even start-up companies with little or no income can qualify for a business card!).

Chase will NOT approve you for this card if you’ve opened 5+ credit card accounts (from any bank) in the past 24 months (NOT counting Chase business cards and certain other business cards).

Bottom Line

There are an overwhelming number of Visa credit cards out there. For your sake, we’ve eliminated all but the very best. Here are our top recommendations:

Let us know your favorite Visa credit card!

For the latest tips and tricks on traveling big without spending a fortune, please subscribe to the Million Mile Secrets daily email newsletter.

Ink Business Preferred℠ Credit Card

Ink Business Preferred℠ Credit Card

  • Earn 80,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. That's $1,000 toward travel when you redeem through Chase Ultimate Rewards®
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
  • Earn 1 point per $1 on all other purchases–with no limit to the amount you can earn
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Redeem points for travel, cash back, gift cards and more – your points don't expire as long as your account is open
  • No foreign transaction fees
  • Employee cards at no additional cost
  • $95 Annual Fee

More Info

Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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Need expert advice here: I am going to be out of Chase 5/24 in April! I have been eyeing a few cards: United Explorer Biz Card (I think I get a targeted 75K bonuses), Chase Ink Biz Cash, Ink Biz Unlimited, Chase Sapphire Reserve and World of Hyatt. What order should I take? And how long should I wait to apply for each card? Thanks

What is the cc with the BEST cashback SIGNUP BONUS and no fee?

Should say aside from Chase.

Ink Business Cash if you own or operate a small business:), personal opinion!

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