Visa credit cards are a accepted all over the world, and their card services are available to a wide range of customers as well. Visa offers a variety of cards, and it is likely you will be able to find the right card for your needs.
The Visa Credit Card Company offers an online survey that helps prospective cardholders to choose the right card for them. The survey asks a few questions about the users needs and circumstances and the 'online advisor' will pick out the right card and direct the user to the visa credit card application form for the card that suits them.
First Time Applicants and Rebuilding Credit
The Classic Visa credit card is a simple card with a low spending limit; the card covers complimentary rental car insurance, will secure a lodging reservation, and can be used for everyday purchases.
The Student Visa Credit Cards will give students great money saving opportunities such as no annual fee, low annual percentage rates, reward or rebate points for purchases of school related items, and some cards will even give extra reward points for making good grades and using their credit wisely.
Visa even offer a pre-paid credit card for those who do not wish to be at risk of running up debt. The Buxx Visa credit card works just like a gift card, except that it can be re-loaded, and works anywhere that Visa is accepted. It is ideal as a 'first card' for children, since the parents select how much the child can spend, and there is no risk of a huge bill landing on the doorstep. It also makes a nice alternative to carrying cash around while you are travelling.
The Secured Visa Credit Card is another pre-paid credit card, except this credit card has all the power and responsibility of a real credit card; it is subject to annual percentage rates, finance charges, annual fees, and Visa will report the credit bureaus to help someone with no credit or credit problems establish new credit.
Gold and Premium Cards
Visa credit cards are available in a wide range of service levels; the premium cards include the gold, platinum and signature cards. Each of these cards is available from a variety of financial institutions; many people will find their local bank or credit union will carry the premium card of their choice.
The Gold Visa credit card will have a higher credit spending limit and higher credit standards to qualify for the card; the gold card will also offer the same services associated with a Classic Visa credit card.
The Platinum Visa credit card will have an even higher credit spending limit and require a very high credit rating to qualify for the card; the Visa Platinum card will have the same auto rental collision damage waver insurance as the Visa Classic card, as well as Visa's Standard services.
The Signature Visa credit card is the most premier of all Visa credit card offerings; with super premier features such as travel insurance, rewards programs and many other high end services.
There are Visa cards for all types of customer, and Visa have made it easy for people to choose the right card for you. All you need to do is head over to their web site and let the survey guide you to the right card for your needs. You can even apply on the web site, and it only takes a few minutes – no paper forms, no hassle.
Visa Credit Card International
If you are seeking flexibility, convenience and great rates in rewards credit cards, the Chase Platinum Visa Credit Card just might be the card for you. You can get a 0% intro APR for up to 12 months. The period of your introductory rate will be either twelve months for purchases and balance transfers or three months for balance transfers only, depending on Chase's review of your application and credit history. Another good thing is that there currently is no annual fee associated with the Chase Platinum Visa Card. You also get a number of great platinum cardholder benefits like participation in Chase's Flexible Rewards Program; where you can earn one point per eligible dollar spent. Cardholders are free to redeem this points for their choice of cashback, merchandise, travel or gift cards. With the Chase Platinum Visa Credit Card you pay no interest when you pay your bill in full each month by the date the payment is due.
In regards to the rewards program offered, points are not earned on fees for products that protect or insure the balances of the card member's account. Still, this is rather expected and nothing to take any exception at in most cases. To receive the 0% intro APR benefit is crucial that one abides by the rules governing the account. Also, the folks at Chase apply the payments to intro balances before what balances you may have with higher APRs. Meaning that the period of your introductory rate may vary according to your payment amounts and the APRs for other balances on your account.
For the use of travel agency services, a fee of $14.95 will be charged for "mileage redemption". As with many rewards programs for credit cards these days, airline and similar rewards are subject to program restrictions. These restrictions include space and fare availability, and you must arrange the bookings 21 days in advance, and also there are particular conditions concerning Saturday night stays. The Chase Platinum Visa Flexible Rewards points are redeemable for airline flights on carriers like American, Delta, United, Continental, Northwest, U.S. Airways and other airways. Your points are not transferable to other frequent travel programs, but again this is common with most air mileage rewards programs these days. A guide concerning your various benefits with the rewards program will be mailed to you following approval if you are accepted to become a cardholder of the Chase Platinum VISA Card.
Remember to read the terms and conditions of the offer fully; should you wish to apply for this card offer, as the conditions are subject to change and the current offer available from the Chase site may not be the same as when this offer was reviewed by this article.
Both Darlene Berkel & Donald Samson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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