Visa Signature cards offer some pretty awesome perks on top of your bank's rewards program. Take the Capital One Venture card for example. Deemed Money magazine's "Best Rewards Card if you aim to rack up airline miles," it has an impressive flat 2% rewards rate on all purchases. You receive a10,000-mile signing bonus, you never have to worry about blackout dates, and there are no limits or expiration dates on miles. The Venture's Visa Signature status piles on even more benefits. You are granted 24-hour complementary concierge service, lost luggage reimbursement, purchase security, travel and emergency assistance services, roadside dispatch and more.
Another Visa favorite is the Chase Freedom. Though not actually a Visa Signature, it’s much more accessible than the Capital One Venture: it has no annual fee, but has a really great signup bonus of $200 cash back (2x the Venture) and gives a whopping 5% back on categories that change every three months. These can include gas, groceries, hotels and dining out. Plus, you earn 1% back on everything else and get access to the Chase Ultimate Rewards Mall, which earns significant bonuses on online shopping at stores ranging from Express to Ralph Lauren to Starbucks.com.
The Citi Simplicityis pretty much the best low APR/balance transfer offer out there: 18 months interest-free, with a low 3% balance transfer fee. It also has no annual fee, but what sets it apart is that it has neither a late fee nor a penalty APR, so you won’t see your interest rate jacked up to 30% if you miss a payment. It’s ideal for anyone who needs to make a big purchase and pay it off over time, or for anyone who’s already got some credit card debt.