Everything you need to know about Visa Signature card benefits - The Points Guy (2023)

As a Visa credit cardholder, you’re entitled to everyday card perks and benefits. Visa buckets these benefits into three tiers, depending on what specific card you have and who the card issuer is. The benefits fall into one of the following categories: Visa Traditional, Visa Signature, or Visa Infinite – each with more perks than the last.

Let’s dive into exactly what Visa Signature is and how those benefits can impact you.

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How do I know if I have a Visa Signature card?

Visa Signature is in the middle of the benefits lineup and includes many common cards in the Visa network.

There are several ways to determine if you have a Visa Signature card. First, many cards simply have it in their name (i.e. Alaska Airlines Visa Signature® credit card or the Amazon Prime Rewards Visa Signature). Another way to find out if you have a Visa Signature is by simply looking at it. Most cards have the “Visa Signature” label located somewhere on the physical card. This includes one of the most common Visa Signature cards, the Chase Sapphire Preferred Card (it’s on the back, in case you were wondering).

The information for the Amazon Prime Rewards and Chase Freedom cards has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

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Also, all Visa Signature cards will have a minimum credit limit of $5,000. Keep in mind that with this stipulation, it could mean the same exact card can be both a lower-tier Visa Traditional card and a more benefit-generous Visa Signature card.

For instance, If you’re approved for a card like such as the Chase Freedom (no longer open to new applicants) with a credit limit below $5,000, you’ll be given Traditional card benefits. However, if your limit is above this threshold, then you’ll receive Signature benefits.

Overview of Visa Signature benefits

The Visa Signature benefits span a wide range, from extra travel and purchase protections to deals and concierge access. Please note that select cards may have different benefits than what is listed here, so please check with your issuer to find exactly what perks they are offering under Visa Signature.

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Below is the minimum that Visa Signature-branded cards offer:

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Visa Traditional benefits

  • Cardholder inquiry service
  • Lost or stolen card reporting
  • Emergency card replacement and emergency cash disbursement
  • Auto rental collision damage waiver
  • Zero liability policy
  • Roadside dispatch

New Visa Signature benefits

Everything you need to know about Visa Signature card benefits - The Points Guy (1)

In response to the changing nature of consumer habits during the pandemic, Visa added some additional benefits for cardholders:

  • Shipt: Get groceries, household essentials, and more delivered in as soon as one hour – enrolled Visa consumer credit cardholders get a free membership, which includes free same-day delivery on orders $35+.
  • Sofar Sounds: This is a unique opportunity to explore music in a more personal, intimate way – and Visa consumer credit cardholders enjoy exclusive access to select Sofar events and eligibility for a free ticket per show with purchase.
  • Skillshare: Enjoy unlimited access to thousands of classes and discounts on membership – and explore how it feels to bring your ideas to life with inspiring online classes.
  • NortonLifeLock: ID Navigator Powered by NortonLifeLock helps provide you with tools so you can act quickly should the unexpected -- your identity is stolen -- happens.

Existing Visa Signature perks

These cards also offer a number of existing perks to cardholders — though you'll want to check with the bank that issues your specific card to make sure you know the full extent of your benefits.

Travel and emergency assistance services: These include an array of benefits should you need help regarding a trip or emergency situation. These include things such as pre-trip assistance with visas and immunization, emergency transportation assistance, prescription assistance, emergency translation service, legal aid and much more. This perk just covers finding the resource — any actual service rendered would incur a fee. Within the U.S., you can call 1-800-992-6029 to get started. If you're outside the United States, call collect at 1-804-673-1675.

Roadside dispatch: This perk is a pay-per-use roadside assistance program that you can access 24/7 for a set price per service call.

Emergency card replacement: If your card is lost or stolen, Visa will work with your issuing bank to expedite the shipment of a replacement card (generally within 24-72 hours).

Visa Offers and perks: There are many retail partners and benefits that are available to Visa Signature cardholders. These include:

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  • Benefits and exclusive access to Visa Signature and Visa Infinite cardholders at more than 50 select Sonoma County Visa Signature wineries.
  • Discover premium benefits at more than 95 golf courses across the United States and the world with the Visa Signature Troon Golf Benefit.
  • Complimentary concierge services to assist with current and future travel needs, sending that special gift and helping make your life a bit easier.
  • Rental car discounts with Silvercar.
  • Enjoy world-class celebrity chef and winemaker experiences.

Visa Signature cards with added perks

Although Visa Signature cards come with a number of standard benefits (as listed above), some cards may come with even more. This depends on the issuer of the card in question. For instance, the Chase Sapphire Preferred also comes with the following perks:

  • Luxury Hotel Collection: With select Visa Signature cards, if you book online and pay with a qualifying card, you’ll get such hotel perks like free breakfast for two, a $25 food or beverage credit, complimentary Wi-Fi and more.

Everything you need to know about Visa Signature card benefits - The Points Guy (2)

  • Baggage delay and lost luggage reimbursement: Some cards will give you funds to purchase necessities when your bags are delayed (by six hours or more on the Sapphire Preferred), and some also offer reimbursement if an airline or other common carrier permanently misplaces your bags.
  • Trip delay reimbursement: This covers necessary expenses, such as food and lodging, when your trip is delayed. On the Sapphire Preferred, this kicks in after a 12-hour delay (or unexpected overnight) and covers up to $500 per ticket.
  • Trip cancellation or interruption reimbursement: This perk can refund the prepaid, nonrefundable costs of a trip that had to be canceled (or interrupted) due to covered emergencies.
  • Purchase protection: A qualifying Visa Signature card covers your new purchases, On the Chase Sapphire Preferred, this is for 120 days against damage or theft up to $500 per claim and $50,000 per account.
  • Visa Signature concierge: Get a concierge to help you with reservations, entertainment, sporting events, and more. To access this service, you have to call 1-800-953-7392.

Other Visa Signature cards can offer even more benefits and perks, so again, it's critical to check with your issuing bank for a full breakdown.

Visa Infinite benefits

Visa Infinite includes all the benefits you’ll get from Visa Signature and Visa Traditional — and then some. Visa Infinite cards are at the top of Visa’s lineup with higher annual fees and more lucrative extras. One of the most popular Visa Infinite cards is the Chase Sapphire Reserve.

Everything you need to know about Visa Signature card benefits - The Points Guy (3)

You’ll be guaranteed to receive the following (at a minimum) for Visa Infinite cards:

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  • Purchase and return protection
  • Travel accident insurance
  • Trip cancellation or interruption reimbursement
  • Trip delay reimbursement
  • Lost luggage reimbursement
  • Visa Infinite Luxury Hotel Collection
  • Global Entry application fee credit

You might notice that the Chase Sapphire Preferred and other Visa Signature cards already have many of these Infinite benefits. This is because the card issuer (e.g. Chase or Bank of America) may even more generous than Visa when it comes to perks.

An important note about card issuers vs. card network

While it’s good to know what the baseline Visa Signature benefits are, it’s worth noting that there are many cards that have unique perks that are not part of one of the Visa tiers. That’s because it is entirely up to the card issuer (such as Chase cards, Capital One cards, etc.) to determine which benefits you’ll actually receive.

Visa is a card network, not an issuer, meaning it only functions to determine swipe fees and to build out a payment infrastructure so merchants can accept their cards. Having these benefits helps to create some consistency across a card portfolio, but it’s really up to the bank to decide what those benefits will be. That’s why you should always check your card’s fine print in addition to this list here.

Bottom line

It pays to know what benefits are out there for the specific card you have in hand — or a card that you’re considering applying for. However, because Visa benefits vary between cards based on the issuer’s preferences, do a little more digging to find out what other perks are available. Pick a card that offers your preferred combination of fees and rewards.

Of course, TPG can help you with that endeavor. Here are several categories of the best cards that you may be interested in:

  • Best travel credit cards
  • Best rewards credit cards
  • Best airline credit cards
  • Best hotel credit cards
  • Best cash-back credit cards
  • Best credit cards with no foreign transaction fees

Additional reporting by Benét J. Wilson.

Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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FAQs

How do I redeem my Visa Signature reward points? ›

To redeem rewards: Log in to Account Access. Select your Account, and within the top navigation select “Rewards & Benefits”. Click “Redeem rewards at Rewards Center” to reach the rewards center and start redeeming.

What are the benefits of a Visa Signature card? ›

Summary of Visa Signature benefits
  • Extended warranty protection.
  • Travel and emergency assistance.
  • Year-end spending summary.
  • Visa Signature concierge.
  • Roadside assistance (T).
  • Auto rental collision damage waiver (T).
  • Zero fraud liability (T).
  • Lost/stolen card reporting, emergency replacement and emergency cash (T).
18 Oct 2021

What is the credit limit on a Visa Signature card? ›

Visa Signature cards come with a minimum credit limit of $5,000, so that's one barrier of entry for new cardholders who apply. If you cannot qualify for a credit limit in at least that amount, it's likely you'll receive a traditional Visa card in situations where different tiers of the same card are offered.

What is Visa Signature cash rewards? ›

1. Visa Signature cashRewards Cardholders will earn 1.75% cash back rewards on every $1 of eligible net purchases with direct deposit at Navy Federal, or 1.5% cash back rewards without direct deposit.

What can you buy with Visa points? ›

You can redeem your points for flights, travel packages, gift cards, and merchandise from popular brands. You can also convert your points to other eligible loyalty programs 1, or use them towards financial rewards like paying your credit card bill, contributing to an RRSP, Trade with Points, and charitable donations.

What are Visa reward points worth? ›

What Are Credit Card Points Worth? Typically, credit card points are valued at 1 cent each. But the actual value you receive in exchange for your points can vary based on what you redeem them for and which card you have.

What is the difference between a Visa card and a Visa Signature card? ›

In addition to the benefits of “Visa Traditional”, Visa Signature credit cards provide extended warranties, a detailed year-end summary, and travel assistance services. Visa Signature cards offer more benefits than standard Visa cards because they are intended for customers with better credit and higher income.

Is Visa Signature hard to get? ›

The qualifications needed to obtain a Visa Signature card vary depending on the financial institution that issues the card. But per Visa, in some cases you may need good or excellent credit to obtain a Visa Signature card.

Which is better Visa Signature or Platinum? ›

The main difference between Visa Signature and Visa Platinum is the rewards programs and minimum credit limits. However, if you're looking for a card with cash back 33, Visa Platinum is your best bet. If you prefer more travel benefits, then you'll love Visa Signature 43. Learn more about cash back vs.

What is a high credit limit? ›

What is a high-limit credit card? A high-limit credit card typically comes with a credit line between $5,000 to $10,000 (and some even go beyond $10,000). You're more likely to have a higher credit limit if you have good or excellent credit.

What is a good credit limit? ›

A good credit limit is above $30,000, as that is the average credit card limit, according to Experian. To get a credit limit this high, you typically need an excellent credit score, a high income and little to no existing debt. What qualifies as a good credit limit differs from person to person, though.

How high should my credit limit be? ›

What should my credit limit be? Your credit limit should be at least 3 times higher than your usual monthly spending. That's because your overall credit utilization ratio should stay below 30%. If your spending exceeds that, you risk damaging your credit score.

Is 6 credit cards too much? ›

How many credit accounts is too many or too few? Credit scoring formulas don't punish you for having too many credit accounts, but you can have too few. Credit bureaus suggest that five or more accounts — which can be a mix of cards and loans — is a reasonable number to build toward over time.

How many credit cards should you have? ›

If your goal is to get or maintain a good credit score, two to three credit card accounts, in addition to other types of credit, are generally recommended. This combination may help you improve your credit mix. Lenders and creditors like to see a wide variety of credit types on your credit report.

How much are U.S. Bank points worth? ›

U.S. Bank points are worth up to 1.5 cents each in value. This is achieved when you have the U.S. Bank Altitude Reserve card and redeem your points towards travel, either through Real-Time Mobile Rewards or through the U.S. Bank Travel Portal.

How much is 1000 points worth? ›

Chase Points Value by Redemption Method
Redemption MethodAverage Point ValueValue of 1,000 Points
Chase Ultimate Rewards Travel1.25 cents$12.50
Cash Back1 cent$10
Gift Cards1 cent$10
Shop With Points1 cent$10
2 more rows
5 Jul 2021

Do rewards points expire? ›

Credit card points and miles won't expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs do typically expire following a lack of activity.

How do I convert my credit card points to cash? ›

Can I convert my credit card reward points into cash? Yes, few credit card providers allow their customers to convert credit card reward points into cash. If you have a credit card from those credit card providers then you can definitely convert your credit card reward points into cash.

How much is 5000 points worth? ›

How Much Marriott Bonvoy Points Are Worth
CategoryValue
Average Value of 5,000 Points$49
Minimum Value of 1 Point0.35 cents
Maximum Value of 1 Point2.42 cents
Value of 1 Point Toward Travel0.98 cents
28 Jul 2022

Can I use reward points to pay credit card bill? ›

For some cards, accumulated reward points can be used towards your next credit card payment. In some cases, redemption options include requesting your reward points as cash payment through a check or direct deposit, which you can then use to pay for your next credit card payment.

What does 3x points mean for credit cards? ›

Points are earned in a few different ways

For example, a typical offer might be 3x or 2x rewards points for every $1 spent on travel or entertainment. Most cards will then offer 1x points for every $1 spent on all other purchases.

What is the main purpose of a Signature card? ›

The signature on a bank signature card is a verification tool for bank tellers and employees; they use your bank card signature to compare your signature on endorsements of checks and withdrawal slips.

What is the highest level Visa? ›

Visa Infinite is the highest level of Visa-branded credit cards, above Visa Signature and Visa Traditional. There are only a few Visa Infinite cards in the U.S., as they're typically only the most high-end credit cards offering the best benefits of any card on the Visa network.

Does all Visa Signature have lounge access? ›

Visa Infinite and Visa Signature cardholders are eligible to receive unlimited airport lounge access through LoungeKey. There is no need to register prior to visiting the lounge; simply present your Visa Infinite or Visa Signature card to the lounge staff for the lounge staff to process your visit.

Why is Visa better than Mastercard? ›

While both of these offer benefits for purchase protection and insurance, travel benefits and emergency services, Visa Signature offers significantly more of them to their cardholders. Visa Signature members have access to features like roadside dispatch, extended warranties, a Global Entry statement credit and more.

Which is better Visa Signature or Visa Infinite? ›

Of these two card types, Visa Infinite perks can be worth slightly more, and you'll typically have to pay a larger annual fee to gain access to them. Visa Signature benefits are less exclusive and apply to a much larger range of cards, including popular travel credit cards and cash-back credit cards.

What is above Visa signature? ›

Visa Infinite is the highest tier you can get and comes with all of the benefits from Traditional and Signature. Many of the Visa Infinite perks offer higher levels of protection compared to the Visa Signature version of the benefits.

What credit card is higher than Platinum? ›

The providers that offer a Titanium credit card often offer them as a step above the Platinum credit cards.

Does Visa have a black card? ›

No, the Visa Black Card doesn't exist anymore. The offer changed card networks and rebranded from Visa to Mastercard back in 2016. Only the rebranded version of the card – now the Mastercard® Black Card – is available to new applicants.

How do you use credit card points? ›

Redeeming credit card points
  1. Statement credits. With a statement credit, the issuer will deposit the cash value of the redeemed rewards points directly into your account balance. ...
  2. Travel purchases. ...
  3. Shopping portals. ...
  4. Online retailers. ...
  5. Gift cards. ...
  6. Charitable donations.
5 days ago

How do you use pay rewards? ›

Mastercard Pay with Rewards™ Your Points. Your Way. - YouTube

What is difference between Visa and Visa Signature? ›

In addition to the benefits of “Visa Traditional”, Visa Signature credit cards provide extended warranties, a detailed year-end summary, and travel assistance services. Visa Signature cards offer more benefits than standard Visa cards because they are intended for customers with better credit and higher income.

What can I redeem HSBC points for? ›

HSBC Credit Card Reward Points Catalogue

Gifts: HSBC Bank provides lots of merchandise on which you can spend your points. Gift Vouchers: You can redeem the reward points against a wide variety of vouchers from top brands. Charities: You can also make a contribution to the charity of your choice.

How much is 1000 points worth? ›

Chase Points Value by Redemption Method
Redemption MethodAverage Point ValueValue of 1,000 Points
Chase Ultimate Rewards Travel1.25 cents$12.50
Cash Back1 cent$10
Gift Cards1 cent$10
Shop With Points1 cent$10
2 more rows
5 Jul 2021

Is it better to redeem points for cash? ›

It's generally best to redeem credit card rewards points for as much value as you can get. After all, your points are a currency just like cash, albeit in a different and unofficial form.

Do rewards points expire? ›

Credit card points and miles won't expire as long as your account remains open. However, points and miles earned with airline and hotel loyalty programs do typically expire following a lack of activity.

Do cash back rewards expire? ›

Yes, cash back rewards can expire with credit cards from the vast majority of the biggest credit card companies. It's most common for cash back credit card rewards to expire after the cardholder or issuer closes the account, or after a certain period of account inactivity.

What can I buy with my Mastercard points? ›

Take advantage of a wide range of point redemption programs:
  • Pay for your next trip with your points.
  • Purchase a variety of products and gift cards.
  • Pay off your credit card balance.
  • Invest in an RRSP or TFSA.
  • Pay off your mortgage or line of credit.
  • Save on your bank fees.
  • Make a tax-deductible donation to an organization.

How do I claim my Mastercard points? ›

How to Redeem Mastercard Points Online
  1. Log in to your online account with your user ID and password.
  2. Find the accounts page and click the rewards tab.
  3. Select your redemption option.
  4. Redeem your rewards.

What is the highest level Visa? ›

Visa Infinite is the highest level of Visa-branded credit cards, above Visa Signature and Visa Traditional. There are only a few Visa Infinite cards in the U.S., as they're typically only the most high-end credit cards offering the best benefits of any card on the Visa network.

Is Visa Signature hard to get? ›

The qualifications needed to obtain a Visa Signature card vary depending on the financial institution that issues the card. But per Visa, in some cases you may need good or excellent credit to obtain a Visa Signature card.

Which card is better signature or platinum? ›

The main difference between Visa Signature and Visa Platinum is the rewards programs and minimum credit limits. However, if you're looking for a card with cash back 33, Visa Platinum is your best bet.

How much is an HSBC point worth? ›

The most valuable way to redeem your HSBC Rewards is for experiences, with a range of 0.54 – 0.59 cents per point (CPP). But there are a host of other ways to use your points that are both useful and valuable, including travel, merchandise, gift cards, HSBC financial products, and charitable donations.

How do I pay with HSBC points? ›

Log on to the Pay with Rewards websitePay with Rewards website This link will open in a new window for HSBC Rewards Programme. Enter your HSBC Rewards card number and follow the on-screen instructions.

How much are my HSBC reward points worth? ›

There's nothing to it. Every time you make a purchase1 using your HSBC Rewards Credit Card, you'll automatically collect reward points. 100 points equals £1.

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