Visa Card

Visa Card Benefits

With 1.46 billion cards in circulation, the Visa Company has some of the most popular credit cards in existence. Each Visa card can be tailored to a consumer's individual needs and preferences, and is designed for:

• Security
• Reliability
• Convenience
• Access

Visa cardholders have access to instant cash through the Visa PLUS ATM Network (24 million acceptance locations worldwide) and can use their cards in 160 countries around the world.

Visa also negotiates exclusive travel deals, perks, promotions, and special offers for their customers. All of these offers are detailed online in Visa's travel destination guide, Visa Destinations.

Visa Consumer Products

Visa currently offers three different types of cards to consumers:

• The Visa Credit Card
• The Visa Debit Card
• The Visa Prepaid Card

Each card offers a different way to pay for your purchases. The type of card you qualify for will depend on your credit rating. If you have bad credit or no credit, your choices may be limited to the prepaid card or debit card. If your credit is good, you have access to almost any Visa card option. No matter which card you choose, you will have access to the entire Visa network.

Credit Cards

It doesn't matter if you are looking to establish a credit history or just looking for a more convenient method of payment, Visa has the credit card for you:

• Visa Classic – Recommended to consumers who have never had a credit card before, this card is simple to use and recognized worldwide.
• Visa Platinum – This card is perfect for the experienced credit card user and offers more benefits than the Visa Classic.
• Visa Secured – This card is best for those looking to establish or re-establish their credit history. To get a Visa Secured Card, you will need to deposit money in a bank account.
• Visa Signature – For those who enjoy privilege, this card offers perks, free hotel room upgrades, and a myriad of other benefits.
• Visa Gold – This card is designed for current Visa customers and consumers who have a strong credit history. Credit limits are high and rewards are many.
• Reward Cards – Visa Reward Cards allow you to earn points towards the affiliation of your choice. A few options include frequent flier miles and hotel points.

Debit Cards and Prepaid Cards

Visa debit cards have become more popular than Visa credit cards. Debit cards take less time to use than checks and are safer than carrying cash. When cardholders use their card, money is debited from the bank account of their choice. Each purchase is recorded and easy to reference on a monthly statement.

Prepaid cards have also become very popular. They are similar to debit cards because they can be used for point of sale purchases and to withdraw funds from ATMs. These cards are perfect for:

• Individuals who don't have a current bank account
• Parents who want to give their student a prepaid credit card
• Consumers who want to control their spending
• People who don't want to give cash as a gift
• Travelers

Applying for a Visa Card

Visa is actually an association of thousands of banks located throughout the world. These banks issue and maintain Visa accounts. If you are interested in applying for a Visa card, you should contact one of these financial institutions. Each bank has its own guidelines for issuing cards, so if you are unable to get a card at the first bank you try, contact another institution.

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