Our writers and editors are in-house Natural Language Generation Platform We worked hard on some parts of this article to help us focus on adding more useful information. Editorial Staff Before publication.
The term “Visa Signature” does not refer to a specific credit card itself. Visa Signature is a collection of card benefits included with some Visa credit cards. The benefits offered by Visa Signature cards are provided free of charge to customers, so you don’t have to pay a fee to access Visa Signature benefits. All Visa credit cards come with some standard benefits, such as rental car insurance, roadside assistance, and zero fraud liability, but Visa Signature offers a richer collection of benefits.
How does Visa Signature work?
When you become a Visa Signature cardholder, you automatically receive all the benefits of Visa Signature, in addition to any other credit card or card-specific benefits you may already have.
For example, let’s say you apply for an Alaska Airlines Visa Signature® credit card. In that case, you’ll receive all the Visa Signature benefits that come with being a Visa Signature cardholder.
However, you will also receive Alaska Airlines credit card perks, such as a welcome bonus and miles on all purchases, as well as access to Alaska’s famous companion fares.
What is the difference between Visa Signature and other Visa cards?
As you compare credit cards to find the best option for your needs, keep in mind that Visa Signature isn’t the only Visa credit card on the market today. Visa offers three levels of benefits that can be applied to the various card options. Visa Signature, while offering more included benefits, is a mid-range credit card package with fewer perks than the top-tier Visa card, Visa Infinite. However, Visa Signature does offer more perks than traditional Visa cards.
Some credit cards are offered as traditional Visa cards, Visa Signature cards, or Visa Infinite. Which type of Visa credit card you get depends on the type of card you apply for, your personal credit rating, and the amount of credit you qualify for.
The Visa Signature card has a minimum credit limit of $5,000, which is one of the barriers to entry for new cardholders. If you can’t meet a credit limit of at least that amount, you’ll end up receiving a traditional Visa card, even if a different tier of the same card is offered.
What are the benefits of a Visa Signature card?
Visa Signature perks can help protect you against financial loss and save you money, but you only benefit from them if you use them proactively. And while some Visa Signature perks come with every Visa Signature card, others vary by card.
Here are some key Visa Signature benefits you can definitely look forward to:
- Visa Signature Luxury Hotel Collection: Access to over 900 luxury hotels with perks like automatic upgrades, free in-room Wi-Fi, free breakfast, late check-out and more.
- Zero Fraud Liability: This benefit ensures that you will not be held liable for any unauthorized purchases charged to your credit card account.
- Roadside Dispatch: If you need emergency assistance, call our Roadside Dispatch Hotline 24 hours a day, 365 days a year.
- Report a lost or stolen card: If your credit card is lost or stolen, please call a special hotline for assistance.
- Travel and emergency assistance services: Call the hotline to receive emergency assistance and referrals no matter where you are in the world.
- Cardholder Inquiry Service: Please call us to get personalized assistance with your Visa Signature benefits.
- Emergency Card Exchange: Visa Signature will replace your credit card within 24-72 hours.
- Emergency cash payments: Receive quick cash wire transfers in emergencies.
In addition to these pros and cons, Visa Signature cards also come with additional perks. These perks vary depending on the credit card you apply for, but they can include:
- Extended warranty
- Rental Car Collision Damage Waiver
- Lost Baggage Compensation
- Global Entry Statement Credit
- Travel Delay Compensation
- Trip Cancellation and Interruption Insurance
- Airline incidental expenses
- Travel Insurance
- Priority Pass airport lounge access
- Baggage Delay Compensation
- Winemaker and food event
- Hotel Theft Prevention
- Mobile Phone Protection
- Emergency medical and dental coverage
- Emergency evacuation area
- Price Protection
- Purchase Security
- Return Protection
Visa Signature Offers Updated
To keep up with changing consumer habits, Visa has also recently added a series of benefits, including:
- shipping: Get groceries, essentials and more delivered in under an hour. Registered Visa Consumer Credit Cardholders get three months of free membership and free same-day delivery on orders over $35.
- Sofa Sound: Cardholders will enjoy exclusive pre-sale access to select Sofar events and eligibility to receive free tickets per show with every purchase.
- GigSky: Stay connected in 125 countries and get free or discounted global mobile data.
- Dobry: Cardholders get free access to Dolvy Uplift™ with their Visa card, with monitoring, alerts, tips and recommendations to help boost your credit score.
- LifeLock: LifeLock’s ID Navigator provides tools and resources to help you if your identity has been stolen. Access to this service requires verification of eligibility.
You’ll also get exclusive access to extra features through Visa offers and rewards, including:
- Decorate your home in style on a budget with Wayfair’s 10 percent discount.
- Enjoy dining credits and premium perks when you stay two or more nights at any Knickerbocker hotel in New York City.
- Alamo Car Rental Competitive Prices and 5% Discount
How do I know if my credit card is a Visa Signature?
If you have a Visa credit card but you’re not sure what type of card it is, there’s a way to tell by looking at the card. Many cards have the words “Visa Signature” somewhere on the front or back of the card.
Another way to find out what type of credit card you have is to check the cardholder documentation you received when your credit card was mailed to you. You should have received a small piece of mail containing your cardholder agreement and information about the cardholder benefits available to you.
On the other hand, some credit cards include the term “Visa Signature” in their names, making it easy to identify what type of Visa credit card you have.
If you still don’t know what type of Visa credit card you have, you can call the number on the back of your credit card to inquire.
What cards are Visa Signature cards?
A variety of credit cards are available as Visa Signature, including the popular Chase Sapphire Preferred® card. Other popular Visa Signature cards include Prime Visa and the Fidelity® Rewards Visa Signature® credit card*.
Some cards, like the Chase Freedom Unlimited®, can also be used as a traditional Visa card, Visa Signature, or Visa Infinite, depending on your approved credit limit.
As always, take the time to compare all the top credit cards currently on the market and their unique benefits before applying.
Conclusion
Visa Signature cards offer a variety of benefits and perks that can add valuable rewards to your wallet. With free Visa Signature rewards and potentially even more depending on the credit card you choose, this type of Visa card offers financial protection and savings.
Whether you already have a Visa Signature card or are thinking about applying, make sure you take advantage of all the perks and rewards available to you.
*information About Fidelity® Rewards Visa Signature® Credit Card information was collected independently by Bankrate.com. Card details have not been verified or approved by the card issuer.
