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Visa is a payment processing network, with its HQ located in California. Visa facilitates billions of electronic funds transfers throughout the world, most commonly through their Visa-branded credit cards, debit cards and prepaid cards.
Visa payments are accepted in more than 200 countries, by vendors of all sizes. If a company accepts credit cards, then they accept Visa! This vast network makes Visa a great option for just about anyone seeking the security and convenience of a credit card.
Visa credit cards
Visa credit cards are issued by financial institutions based on the applicant’s creditworthiness. The better your credit rating, the higher your spending limit will be. You can find a wide array of Visa credit cards in Canada, as they are offered by almost every Canadian bank.
Here are the five categories of Visa credit cards:
When it comes to picking a credit card, Visa is a popular choice amongst Canadians. Visa partners with top Canadian financial institutions to offer a large selection of credit cards, from travel cards to rewards cards. The best Visa credit cards provide flexible rewards options, generous welcome bonuses and perks.
Due to the sheer amount of Visa credit cards on the market, picking the best card may be confusing. We have selected the top Visa credit cards for Canadians using our Best of Finance methodologyand ranked the cards that provided the highest first year value.
| Top Features | Annual Fee | First-year Value* | ||
|---|---|---|---|---|
| Great travel perks and benefits such as, travel insurance and mobile device insurance. Access to the Visa Infinite program. | $139 | $1,536 | ||
|
Runner up |
Redeem reward points for flights, gift cards, merchandise or cash back. No travel blackout dates. | $120 | $1,144 | |
|
Runner up |
VIP benefits when travelling on Air Canada flights, plus great travel insurance. | $139 | $1,231 |
The CIBC Aventura® Visa Infinite* Card helps you save money while travelling as it gives you a NEXUS application fee rebate. This unique feature is rare and only applies to very few travel cards. On top of a strong, flexible rewards structure, you also get a complimentary Priority Pass Membership and four free airport lounge visits annually. As a cardholder, you become a part of the Visa Infinite program, accessing luxury travel upgrades and complimentary breakfast at over 900 hotel properties worldwide. Best of all, members can redeem Aventura Points for the total cost of airfare, including taxes and fees.
According to our Best of Finance Methodology, you can earn up to $1,536 during the first year of using this card.
Annual fee
$139 (First year rebated)
Interest rate
Purchase – 20.99%
Cash Advance – 22.99% (21.99% for QC residents)
Balance Transfer – 22.99%
Welcome bonus
Offer expiry date: NA
Rewards
Earning potential
How does this card stack up to other rewards credit cards? We crunched the numbers using our Best of Finance methodology to see how much an average Canadian could earn over a 12-month period.
Rewards earned over a 12-month period = $1,536
Annual fee = $139 (First year rebated)
Interest rate= Purchase – 20.99%, Cash Advance – 22.99% (21.99% for QC residents), Balance Transfer – 22.99%
Total earned over a 12-month period (rewards minus annual fee) = $1,525
Benefits
Insurance
With an annual fee of $120, the RBC Avion® Visa Infinite card offers up to a 35,000 Avion points welcome bonus (a value of up to $750 for travel† - Enough to fly anywhere in Canada & the U.S† (Alaska and Hawaii require more point). You could also redeem your points for merchandise and gift cards from your favourite brands, pay down RBC balances, invest in your future and much more. The Avion points don’t expire, so whenever you are ready to travel your points will be waiting for use. According to our Best of Finance methodology, you can earn up to $1.144 in rewards in the first year.
Annual fee
$120/ $50 for additional card
Limited time offer/bonus: Receive up to 35,000 welcome RBC Rewards points upon approval ** .
Offer Expiry Date: N/A - Ongoing Offer.
Rewards
The TD® Aeroplan® Visa Infinite* card gives a generous and comprehensive travel-centric welcome bonus that includes the first checked bag, NEXUS rebate, auto membership and includes great travel insurance, mobile device insurance and other benefits. You can earn up to $1,231 in first-year value , including up to 40,000 Aeroplan points.
Annual fee
$139
Limited time offer/bonus
Offer expiry date: September 3, 2024
Rewards
When you pay with your Visa card, your transactions are recorded and traceable, unlike cash purchases. If you’re a victim of fraudulent credit card activity, Visa will ensure that you are protected with their zero liability policy.
Visa credit card has an account number and the cardholder's name embossed on the front of a Visa card. The cards also feature a special three-digit validation code on the back, providing you with additional security.
Visa also uses an AIS program which helps ensure that merchants who process your Visa transactions are protecting your credit card and personal data properly. Compare the best Visa credit cards available in Canada to find the perfect Visa card for you.
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