Traditional: Even the lowest tier card from Visa comes with valuable benefits,

 

Traditional: Even the lowest tier card from Visa comes with valuable benefits,

 including access to complimentary features like same-day grocery delivery and identity theft monitoring.

Signature: Signature cardholders get additional benefits, which could include a Priority Pass Select membership upon enrollment for airport lounges and access to emergency cash.

Infinite: Visa’s Infinite cards all include a $100 statement credit reimbursement for the Global Entry application fee and a long list of retail discounts. Most Infinite cards are also rewards cards, meaning they can earn you points or cash back.

Depending on where you go for a Visa credit card — whether it’s your bank or a company like Verizon — the card terms can vary significantly. Everything from APR to rewards rates and late fees are primarily determined by the company that issues the card.

About American Express 

American Express is a global payment network, but it’s also the second largest issuer of credit cards in the U.S. (behind JP Morgan Chase). There are over 112 million different American Express cards available worldwide, but the company also offers checking and savings accounts, loans and business lines of credit.

Most Amex cards are issued directly from American Express. However, you can find cobranded cards from some banks and retailers, and going this route for an Amex card could mean finding more lax credit requirements. If you’re interested in getting a card, you can also visit the Amex website to see if you qualify. Prequalifying through the website won’t impact your credit score.