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Visa is one of the largest payment processing networks in the world. Anyone who carries a Visa card is likely to find it’s accepted anywhere, worldwide, that takes credit cards. Like its slogan says, “It’s everywhere you want to be.”
Although the main characteristics of your credit card, including any fees, rewards, welcome bonuses or 0% APR offers are determined by the issuing bank, Visa offers some benefits on all of its cards. The extent of your benefits will depend on what kind of Visa you hold. At all levels these perks can save you money and provide peace of mind when you are traveling, shopping or are otherwise out and about.
There are three types, or levels, of Visa:
- Traditional
- Signature
- Infinite
The higher the tier, the greater the benefits and extras included on the card. The exact benefits that come with your particular Visa card, however, are determined by your issuing bank. This means a Visa Signature card from one bank may have slightly different benefits than a Visa Signature card from another bank.
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- Get Visa benefits like cell phone protection when you pay your monthly mobile bill with your card
- No annual fee
- Contactless Payments/Digital Wallet
- Instant credit card replacement
- Must be a resident of CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA or VT.
Bonus Cash Back: Earn $150 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Traditional Visa Benefits
If your card is a traditional Visa card, these are some of the included benefits that could come with your card:
- ID Navigator identity theft protections. Enroll in this complimentary service from NortonLifeLock and get credit monitoring and assistance if your identity is compromised.
- Shipt benefits. Enrolled Visa consumer credit cardholders get one month of free membership and then three months of membership at 50%, which includes free same-day delivery on orders of $35 or more. Offer terms apply.
- Sofar ticket presale. Eligible cardholders can access a seven-day Visa exclusive presale on select Sofar shows, plus get a free ticket with the purchase of one or more tickets to a show during the presale window.
- Dovly Uplift access. Eligible cardholders can enroll in Dovly’s automated credit engine program that can help identify and remove inaccuracies from your credit report and provide additional credit monitoring benefits.
- Cardholder inquiry service. Get 24-hour access to a Visa representative with any questions about your account.
- Lost or stolen card reporting. You can report your lost or stolen card 24 hours a day, seven days a week. Visa will work with you and your issuing bank as needed to put a hold on your account, issue a replacement card and/or arrange for an emergency cash disbursem*nt.
- Zero liability protection. Your liability for unauthorized transactions is $0.
- Roadside dispatch. Eligible Visa cardholders have access to roadside dispatch, a pay-per-use service that provides the following services for a set fee: standard towing up to 5 miles included, tire changing (must have a good, inflated spare tire) jump starting, lockout service (no key replacement), fuel delivery up to 5 gallons (plus the cost of fuel) and standard winching.
- Emergency cash and card replacement. Visa can work with your bank to expedite the replacement of your card and ship it globally within 24 to 72 hours. In case of emergency, Visa can arrange a wire cash transfer to your local Western Union within two hours of approval from your bank.
Visa Signature Benefits
Visa Signature is the next level up and typically comes with all of the benefits included above plus these additional perks:
- Visa Signature Luxury Hotel Collection. Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
- Extended warranty protection. Visa will extend the life of your existing U.S. manufacturer’s warranty of three years or less. For warranties of less than one year, the term is doubled. For warranties of one year up to three years, the warranty is extended for an extra year.
- Cellphone protection. When you pay your monthly wireless bill with your eligible card, you can receive reimbursem*nt if your card is stolen or damaged, minus a $50 deductible. Certain conditions, terms and exclusions apply.
- Travel and emergency assistance services. Get access to a multilingual call center 24 hours a day, 365 days of the year. Services include pretrip assistance, medical referral assistance, emergency transportation assistance, emergency message service, prescription assistance and valuable document delivery arrangements, legal referral assistance, emergency ticket replacement, lost luggage locator service and emergency translation service.
- Golf discounts and privileges. Join Troon Rewards to get discounts on golf fees and merchandise at participating locations.
- Visa Signature Rental Car Privileges. Receive benefits and discounts for a luxury rental from Audi on demand and for eligible rental cars from Avis and Budget.
- Sonoma County wine benefits. Get year-round benefits and exclusive access at more than 25 select Sonoma County Visa Signature wineries.
Visa Infinite Benefits
Visa Infinite is the highest level and usually comes with many of the benefits included above plus these additional perks:
- Auto rental collision damage waiver. Eligible cardholders will receive auto coverage for damage due to collision or theft. To activate the coverage, complete the entire rental transaction with your eligible Visa card and decline the rental company’s collision damage waiver (CDW) coverage.
- Visa Infinite Luxury Hotel Collection. Access to benefits like VIP status, complimentary breakfast daily, an upgrade when available and a special amenity unique to each property.
- Visa Infinite Concierge. Get 24/7, 365 days of the year personalized assistance for travel planning, dinner reservations, sports, entertainment tickets and more. The cardholder is responsible for any charges associated with goods, services, bookings or reservations.
- Visa Infinite rental car privileges. Book with your Visa Infinite card and get VIP amenities and discounts with Avis, Hertz, National and Audi on demand.
- Return protection. Use your eligible Visa Infinite card for your purchase and get extra return protection anytime you make an eligible purchase of an item up to $300 if within 90 days you become dissatisfied with your purchase and the merchant will not accept your return.
- Travel accident insurance. When you use your covered Visa card to purchase your ticket for travel including airfare, ferry, train or bus, receive $500,000 of accidental death and dismemberment coverage.
- Trip cancellation/trip interruption coverage. If you have to cancel or interrupt your trip, this benefit can help reimburse you for the nonrefundable cost of your passenger fare. This feature may also be available on some Visa Signature cards.
- Trip delay reimbursem*nt. If your flight purchased with your eligible Visa Infinite card is delayed by more than six hours or requires an overnight stay, you can be reimbursed for the reasonable expenses that you incur as a result of that delay, up to a $500 maximum.
Bottom Line
Your Visa network credit card, most likely comes with a number of protections and insurances that could save you money. Be sure to read your card’s guide to benefits. When you know the exact attributes your Visa card offers, you can take full advantage of all the perks available.
If you’re trying to choose a specific card based on the Visa benefits, shift gears and choose a credit card based on the overall benefits of the card itself, rather than any extras offered by Visa.
