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Visa credit cards offer exceptional convenience and reliability and can be used throughout the UK and around the world to pay for purchases at thousands of locations and to withdraw cash at ATM machines.
There are over 21,000 financial institutes around the world who are teamed up with Visa to bring you credit and debit cards. The credit card companies control the fees, spending limits and interest rates on outstanding balances, whereas Visa provide the payment products and technologies.
Visa Credit Card Information
There are a range of different Visa credit cards to choose from; offering different cardholder features and benefits. Different banks and building societies issuing Visa credit cards will have different Visa card available.
The different Visa credit cards available include: Visa Classic, Visa Gold, Visa Platinum and Visa Infinite.
The Visa Classic credit card offers convenience, reliability and worldwide acceptance at retail outlets, for mail and telephone orders, on the internet and for cash withdrawals at ATM machines.
The Visa Gold credit card extends the core features and also includes travel accident insurance, emergency cash and card replacement, medical and legal referral service and also extended credit limits.
The Visa Platinum credit card also offers exceptional service, superior purchasing power and worldwide recognition.
The Visa Infinite credit card is Visa's foremost premium product; Visa Infinite provides unparalleled benefits with expansive spending power, payment flexibility and additional features and services.
As a payment company, Visa offer some standard cardholder services such as the global assist helpline which you can ring anywhere in the world (0800-89-1725 for the United Kingdom - use the Visa website or your credit card terms and conditions for other locations or card issuer specific numbers).
What to Consider when Comparing Visa Credit Cards
Depending on your credit card needs and financial situation will determine which Visa credit card is right for you. When comparing cards and trying to decide which card to apply for it is important to take some important factors into consideration.
It is important to look at the APR interest rate on offer, the standard rate for purchases is the amount of interest you will be charged on balances resulting from purchases made with the Visa card. You should also look at the extra charges or fees, such as the annual fee, which can be around £0 - £20.
Also, different Visa credit cards will have different benefits and features on offer, such as: low interest rates, 0% balance transfer rates and / or cash back. So make sure to shop around and compare at least 3 different cards.
Visa or MasterCard?
Visa and MasterCard are both payment companies used by bank and building societies to provide the technology and infrastructure to enable them to offer card payment services. It is the bank or building society issuing the credit card who will determine what the credit card's APR interest rate and what other features and benefits are available on the card.
When it comes to choosing between a Visa or MasterCard credit card it really comes down to preference. Visa and MasterCard have a pretty even spread of the UK market and both types of card are accepted throughout the world at retail outlets and cash machines.
If you are looking for a second credit card, it may be worth choosing a different payment company (Visa or MasterCard) to the card you already have, for those annoying situations where you find yourself trying to pay for a bill at a restaurant where they only accept the one you don't have!
 Credit card guide
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