Visa Credit Cards | Compare Visa credit cards
Compare Visa credit cards
Visa supplies credit cards to hundreds of banks and credit card issuers. Visa cards are accepted worldwide. Look below to compare Visa UK credit cards and see which one is the best UK credit card for you.
What is a Visa card?
Visa is a payment system recognized around the world. Card providers, including banks, issue their credit and debit cards using Visa’s payment system.
If you look in the lower right corner of a UK credit or debit card, you will see the Visa or MasterCard logo. Visa and MasterCard are two of the largest payment systems, and your credit or debit card is likely to be linked to one of them.
Visa has partnered with many major banks and financial services companies such as Capital One, MBNA, NatWest and Barclays.
How is it different from other cards?
A UK Visa credit or debit card works like any other card. You can use it to purchase items in store, online, or through the contactless payment system.
If it’s a Visa credit card, you’ll receive a monthly statement from your bank or financial service provider detailing all of the purchases you’ve made during that month.
What is the best UK Visa credit card I should get?
The best Visa credit card is the one that offers the benefits that best suit your lifestyle.
For example, you might want a rewards credit card, which gives you points, cash back, or frequent flyer miles.
Or you might want to find a Visa credit card that offers the best deal on balance transfers, or the lowest interest rate.
You can use our comparison tool to find the best Visa credit card for you.
What are the advantages of Visa credit cards?
UK Visa credit cards offer many benefits.
If you have one that’s tied to a rewards program, you can get cash back or other freebies.
Credit cards in general are useful for making large and expensive purchases, as you can spread the cost of repayment over several months.
Buying goods worth over £ 100 and up to £ 30,000 on a credit card also gives you some consumer protection, known as Section 75. If you are paying for goods or services with a credit card and something is wrong, your card provider is obligated to set it correctly.
You don’t have this protection with cash or a debit card. For debit cards, you can be protected by a “chargeback”. However, chargeback is not a legal requirement like section 75
Are there any drawbacks?
Credit cards are a great way to spread the cost of big ticket items and help you pay in an emergency.
However, you must have a plan to pay off all or part of your balance each month, otherwise you will start accumulating additional fees, charges, and interest.
When you buy a Visa credit card, think about how you will repay the money you spend on it.
If you are transferring an outstanding balance from one card to another in order to qualify for a lower interest rate, make sure you have a repayment plan in place.
How do I apply for a Visa credit card?
You can use our comparison tool to find out which of the Visa credit cards on offer might be the best credit card for you.
You can choose to list the cards by
- Popularity – how popular they are
- Lowest APR – cards with the lowest interest rates
- Longest balance transfer period – how long you can have money owed on your credit card that you transferred from another card, before you have to start paying interest on it
- Longest purchase period – how long you have after making a purchase before you have to pay interest on it.
If you do a lot of credit applications, it can affect your credit rating, which is a score that banks and financial companies use to decide whether to give you a credit card.
Before making a formal request, you can use our credit card eligibility checker.
All you have to do is answer a few questions to see if you are likely to be approved for a credit card. This will reduce the chances of you being rejected for credit cards and potentially damaging your credit score. It is not an app and will not affect your credit score.
How to apply for a Visa credit card
Once you have used our eligibility checker, or if you are ready to apply for a Visa credit card, you can find the best credit card using our comparison chart.
When you click, you’ll need to enter some personal information, then wait to see if your application has been accepted.
With most cards, you should get an initial response within minutes. If the Visa credit card issuer needs to talk to you in more detail, they can call you.
If your application is successful, you should receive your new card within a few days, after the card issuer performs some background checks.
How to use a Visa credit card?
You use a Visa credit card like any other credit card. You pay for goods and services and then receive a monthly statement showing your transactions.
You will need to pay a certain balance each month.
How to pay with a Visa credit card
If you buy online, you will need to provide your card details and security number on the back of your card.
Visa has introduced an additional level of security for online payments, called Visa Secure, which helps prevent fraud.
If you are paying in person, you will need to enter your PIN, use contactless (if the amount is less than £ 45) or sign for your purchase.
Visa has been supplying credit and debit cards to banks and card issuers since 1958, pioneering the idea of electronic card payment.
The company was founded in California, but has grown to provide card payment services to numerous banks, merchants and issuers around the world.
Visa credit cards are now accepted at 44 million outlets around the world and there are over 1.8 million Visa ATMs around the world.
Why should I choose a Visa credit card?
Visa credit and debit cards are generally accepted at all electronic payment points and ATMs, just like MasterCards, so you don’t have to worry about selecting a card based on its acceptance.
The “Visa Secure” system helps protect you against card fraud when you use your Visa card to make online purchases. Visa, like MasterCard and other card providers, offers a money back guarantee if you are the victim of card fraud.
Visa cards are protected by chip and PIN code and many recently issued cards allow contactless payment for amounts up to £ 45.
What does “most popular” mean?
When we use the term “most popular” on Uswitch in reference to credit cards, these cards are ranked based on the number of clicks they have received on the site in the last 48 hours.
The most clicked cards are at the top, the least at the bottom. This reflects their popularity with visitors to Uswitch.com. Therefore, this is a good chart to look at if you want to see which cards most people think are worth buying.
Does Uswitch compare all the credit cards on the market?
We compare credit to over 100 credit cards from all major banks and credit card providers.
However, we do not compare all of the credit cards available in the UK.
This is because some credit card providers have offers that are only available on their own website or branch, or other comparison websites – in the same way that some credit cards are exclusively available through Uswitch.
There are also many credit cards that are only available to members of member organizations and clubs.
What does it mean if a card is listed as an “advertisement” or “promotion”?
We sometimes receive payments from card providers to display their cards in prominent places.
These are advertisements and are designed to be distinct and separate from other cards in our comparison charts. We hope this makes it clear which cards are top notch offers and which cards are paid for promotions.