Visa provide credit cards for hundreds of banks and issuers. Visa provide credit cards for hundreds of banks and issuers. As a global provider, Visa credit cards are accepted worldwide. Look below to compare Visa credit cards UK and see if there's one that's right for you.
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Visa provides credit cards for hundreds of banks and credit card issuers. Visa cards are accepted worldwide. Look below to compare Visa credit cards UK and see which one is the best credit card in the UK for you.
Visa is a payment system that is recognised all around the world. Card providers, including banks, issue their credit cards and debit cards using Visa’s payment system.
If you look at the bottom right-hand corner of a credit or debit card in the UK you will see the logo Visa or MasterCard. Visa and MasterCard are two of the biggest payment systems and your credit or debit card is likely to be linked to one of them.
Visa has partnerships with a lot of big banks and financial service companies like, Capital One, MBNA, NatWest and Barclays.
A Visa credit card or debit card in the UK operates just like any other card. You can use it to buy items in store, online, or via the contactless payment scheme.
If it is a Visa credit card, then you will receive a monthly statement from your bank or financial services provider detailing all the purchases you have made in that month.
The best Visa credit card is the one that offers the benefits that are most suitable for your lifestyle.
For example, you might want a rewards credit card, which gives you points, cashback or frequent flyer miles.
Or you might want to find a Visa credit card that offers the best deal on balance transfers, or the lowest interest rate.
You can use our comparison tool to find the best Visa credit card for you.
Visa credit cards in the UK offer many benefits.
If you have one that is linked to a rewards programme you may get cashback or other freebies.
Credit cards in general are useful for making large and expensive purchases, because you can spread the cost of repayment over a number of months.
Buying goods worth more than £100 and up to £30,000 on a credit card also gives you some consumer protection, known as Section 75. If you pay for goods or services using a credit card and something goes wrong, your card provider is obliged to set it right.
You don’t have this protection with cash or a debit card. For debit cards you might be protected by 'chargeback'. However, chargeback is not a legal obligation like Section 75
Credit cards are a great way to spread the cost of expensive items and help you pay for emergencies.
However, you do need to have a plan to pay off all or some of your balance each month, otherwise you will start to rack up extra fees, charges and interest.
When you're taking out a Visa credit card, think about how you will pay off the money you spend on it.
If you're transferring an outstanding balance from one card to another in order to benefit from a lower interest rate, make sure you have a repayment plan in place.
You can use our comparison tool to find out which of the Visa credit cards on offer might be the best credit card for you.
You can choose to list the cards by
Popularity – how popular they are
Lowest APR – the cards with the lowest interest rates
Longest balance transfer period – how long you can have money owing on your credit card that you have moved from another card, before you have to start paying interest on it
Longest purchase period – how long you have once you've made a purchase before you have to pay interest on it.
If you make a lot of applications for credit it can affect your credit rating, which is a score that banks and financial companies use to decide whether they will give you a credit card.
Before you make a formal application you can use our credit card eligibility checker.
All you need to do is answer a few questions to see if you are likely to be approved for a credit card. This will reduce the chances of you being rejected for credit cards and potentially damaging your credit score. It's not an application and will not affect your credit score.
Once you have used our eligibility checker, or if you're ready to apply for a Visa credit card, you can find the best credit card using our comparison table.
When you click through you will need to put in a few personal details and then wait to see if your application has been successful.
With most cards, you should get an initial response in a couple of minutes. If the Visa credit card issuer needs to talk to you in more detail, they might ring you.
If your application is successful, you should receive your new card in a couple of days, after the card issuer has made some background checks.
You use a Visa credit card just like any other credit card. You pay for goods and services and then will receive a monthly statement showing your transactions.
You will need to pay off some balance each month.
If you are buying online, you will need to put in your card details and the security number on the back of your card.
Visa has introduced an extra level of security for online payments, called Visa Secure, which helps to prevent fraud.
If you are paying in person you will need to put in your PIN number, use contactless (if the amount is under £45) or sign for your purchase.
Visa has provided credit and debit cards to banks and card issuers since 1958, pioneering the idea of electronic payment by card.
The company was founded in California, but has expanded to provide card payment services for many banks, merchants and issuers around the world.
Visa credit cards now are accepted in 44 million merchant locations across the globe and there are more than 1.8 million Visa ATMs worldwide.
Visa credit and debit cards are usually accepted at all electronic payment locations and ATMs, as are MasterCards, so you don’t need to worry about selecting a card based on how widely it will be accepted.
The ‘Visa Secure’ scheme helps to protect you from card fraud when using your Visa card to make online purchases. Visa, like MasterCard and other card providers, offers a guarantee to repay your money if you fall victim to card fraud.
Visa cards are protected by Chip and PIN and many recently issued cards have contactless payment for sums up to £45.
When we use the term ‘most popular or ‘popularity’ on Uswitch in reference to credit cards, these cards are ranked by the number of clicks they have received on the site in the past 48 hours.
The most clicked on cards are at the top, with the least at the bottom. This reflects how popular they are with visitors to Uswitch.com. Consequently, this is a good table to look at if you’re interested in seeing which cards most people think are worth getting.
We compare credit over 100 credit cards from all of the major banks and credit card providers.
However, we do not compare all the credit cards that are available in the UK.
This is because some credit card providers have offers that are only available exclusively through their own website or branch, or through other comparison websites - in the same way some credit cards are exclusively available through Uswitch.
There are also many credit cards that are only available to people in member organisations and clubs.
Compare 0% balance transfer credit cards with Uswitch - our guide answers your key questions, such as how do balance transfer credit cards work? Follow our top tips to find out the best balance transfer credit cards for you.
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A store credit card is a credit card branded by a particular store or retailer. Some you can only use in that retailer while others can be used anywhere but the benefits and discounts it offers are only available in the retail chain branded on the card.
Many credit cards come under the umbrella over a wider banking group. Find out who owns your credit card provider, such as NewDay, American Express and Barclaycard and why knowing your banking groups could be important.
This handy guide answers those questions you've always been unsure about, such as what kind of bank card do I have? Do credit cards have sort codes? We help you to tell your debit from your credit cards and your Visas from you Mastercards.
If you're looking for a credit card to build your credit score, use our comparison service to search for the best credit cards for bad credit. Our guide answers those key questions, such as do you need a credit card to have a credit score?
Credit card refund rules mean, purchases are protected by law - the Consumer Credit Act 1974 gives credit card protection on your purchases over £100.
A step-by-step approach to pay back credit card debt, rebuild your credit score and regain your financial health.
You can check your eligibility for a credit card without having to apply for it, so you can reduce the risk of being rejected for a card.
If you're wondering, can I transfer money from a credit card into a bank account? read the Uswitch guide to find out how. Search for a credit card that will allow you to transfer money into your current account.
Fed up with credit card jargon? Read our credit card glossary to get a simple explanation of everything from APR to Transfer fees.
Credit cards can be a cheap way to borrow money, but there are good and bad ways to use them. Our guide discusses, how to use a credit card, what can you use them for? What are the benefits? And in what circumstances should they be avoided?
Stoozing is a term for savvy use of credit cards to make money from interest rates, but how does it work?
With cashback credit cards, you get cash back on your spending - learn more and use our credit card comparison tool to find the right one for you.
How to cancel a credit card account? Uswitch guide explains how to close a Halifax credit card, Santander, Virgin and other credit card provider accounts.
A prepaid debit card or prepaid credit card offers the convenience of a credit card, but instead of borrowing you only spend money you have pre-loaded on the prepaid credit card. Our guide explains just how to make use of a prepaid card.
High limit credit cards, also known as premium credit cards, have a much higher credit limit than traditional cards, and some offer unlimited spending. So are high limit credit cards a good idea for you?
Find the best credit card if you are unemployed. Explore credit card offers for people who are currently experiencing unemployment. Search for the best credit card deal for you.
Business credit cards could be an invaluable asset to your company - find out more about company credit cards with Uswitch.
What is annual percentage rate (or APR)? How does it work? Our guide explains how APR works and what you need to know about it if you're borrowing money.
Find out about Avios points and Spending Avios points - Turn your everyday spending into hotels, holidays, experiences, rewards and more with Avios Points
Find out about the pros, cons and alternatives to credit cards for students, as well as the best ways to borrow money at university, and how to compare student credit cards.
While convenient, using your credit card overseas can quickly lead to fees which can make your trip abroad more expensive. These tips can keep costs down.
Getting your first credit card is an important step towards financial adulthood, but remember with great purchasing power comes great responsibility.
Many credit cards are described as 'instant decision' cards, but what does this actually mean and can you really get an instant credit card without the wait?
Charity credit cards allow you to donate to charity when you spend. Find out more about charity credit cards and how they compare to cashback credit cards.
Find out about the cost of withdrawing cash using a credit card as well as the best alternatives to credit card cash withdrawals.
Credit cards offer great protection especially when making big purchases concerning events like weddings. Find out how best to use yours to protect your special day and what to do if your wedding organiser goes bust.
Similar to a loan, a credit card provides you with an amount of credit agreed by you and your bank, for you to spend. Read our guide to learn how a credit card differs from a loan, and how to responsibly use one.
What is PPI? PPI, or payment protection insurance, became one of the most notorious financial products in recent years due to the PPI miss-selling scandal.
Charge cards allow you to pay for goods and services on credit, as long as you pay off your balance in full at the end of every month.
How is credit card interest calculated? The Uswitch guide explains, how to calculate credit card interest, based on companies rates for their credit cards.
What are the best credit cards with no foreign transaction fees? Find out how to get a 'perfect' exchange rate when spending abroad.
If you are trying to manage your finances and utilise available credit, you might be wondering "how many credit cards should I have?" Our guide explains the pros and cons of owning multiple credit cards.
Apple's version of contactless payment, ‘Apple Pay’ is a convenient way of paying with your iPhone. We explain how it works and what to be aware of.
Contactless payment was designed to be a quicker card payment method for small purchases than chip and PIN payments or swiping and signing. Read on to learn how to use a contactless card for the first time.
Having a premium card can be a powerful status symbol, coming with extensive benefits for cardholders to enjoy. We explore whether it's worth getting a premium credit card if you're eligible.
Using a credit card can offers great benefits. A key perk of owning a credit card is the protection you're given with Section 75.
What's the best credit cards for Christmas shopping? We look at cards that will reward you for spending or let you borrow for free.
Prepaid travel cards are plastic payment cards pre-loaded with currency that enable you to spend as if you were using a credit or debit card
Airline credit cards help earn you Avios points the replacement for Airmiles when used for credit card purchases
What's the best way to spend as you travel around Europe? Take the euros as cash or spend on a travel credit card?
What is Amex or American Express? How do they differ from Visa and MasterCard credit cards? Read on to find out the pros and cons
Applying for a first credit card can have its complications - our guide can help with the preparation needed to build up your credit history
Credit cards are convenient for making travel arrangements, and can also allow you a little more spending leeway when you are on holiday
Can money transfer credit cards give you interest free cash loans? Read the Uswitch guide to find the best interest-free money transfer credit cards
Learn more about the credit card pre-approval process and see if it can really help your chances of getting a credit card if you have bad credit.
Confused about credit cards or just want more information? Use our Q&A to find the answers you're looking for with our money experts
The world of travel money is notoriously difficult. Do you take money or change there? Do you take cash, card or cheque? We answer your questions.
Credit card comparison tables can be quite tricky, so it's worth knowing how to read the credit card summary box to decode the legal jargon.
Do claims management companies keep calling you? Find out why, what they do and if they can be useful for you. Claims management companies have been in the news since the PPI mis-selling scandal broke but how do claims management companies work?
Find out all you need to know about store cards and whether you could be better off with a reward or balance transfer credit card.
Credit card applications can take a long time. Find out how long it will take to apply be accepted and receive a new credit card with our useful guide
Paying for a holiday can be one of the most expensive decisions of the year: flights, hotels and travel money. What's the best way to pay for it all?
Credit limits can restrict the amount of money you can borrow on a credit card or overdraft, but there are ways to increase it if you need some extra cash
Read our seven tips for first time credit card holders. See our video for some basic credit card do's and don'ts
Credit card charges can affect your ability to apply for credit and your credit rating. Find out how to understand credit charges in our Uswitch guide
Credit card security has improved but card fraud is still on the rise, we take a look at two of the biggest credit card frauds ever
It's possible to be financially well-off but have a poor credit score, which could stop you from getting the best credit cards and loans.
There are two main UK credit card airline rewards schemes: Avios (the new Airmiles) and Virgin Miles. Which one is better?
RBS and Capital One cardholders are seeing their cashback and rewards scaled back, but why? And is your card safe?
There is a lot of confusion around credit cards and a lot of questions around a few key terms.
Compare MasterCard credit card deals with Uswitch - find the best low APR, balance transfer and cashback credit cards.
Low rate APR credit cards could save you more money in the long run - find out how and compare low rate credit cards with Uswitch to find a great deal.
Credit card cheques were a means of paying for goods or services without cash and when you couldn't use your credit card.
The minimum payment on a credit card can vary but it is typically the highest of the total balance under a fixed amount or the interest
Cashback credit cards allow you to earn back money as you spend as a reward, but which card will give you the most back? American Express or Santander?
Several 0% balance transfer cards are currently offering interest free periods as long as three years - we take a closer look to decide which one is best.
Should you get a payday loan, overdraft or a cash advance on your credit card? What are the best short term lending options available to you?
The votes are in for the 2018 Uswitch Credit Card Awards. We spoke to 10,000 credit card customers to find out who topped our customer satisfaction tables in this year's survey.
Getting into unsustainable debt is frighteningly easy - a few months of irresponsible spending can land you with a debt that could take years to pay back.
Check our list of organisations, including debt charities in the UK, companies and government bodies that can help you take control of your debt.
We speak to David Rodger, Managing Director of debt advice charity, Debt Advice Foundation about the importance of facing up to your financial problems.
Debt Management Plans are one way to get free of debt. This Uswitch guide explores the benefits and drawbacks of debt management services.
Debt consolidation loans could help you to get in control of your debt by combining all your debts into one. But consolidating debt isn't right for everyone
What is bankruptcy? Bankruptcy is a form of insolvency, read on for bankruptcy information to help you consider your options.
An Individual Voluntary Arrangement (IVA) is an alternative to bankruptcy as a debt management solution. But what is an IVA and how do they work?
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A Debt Relief Order (DRO) is an alternative to bankruptcy for people on a low income and with few assets. Find out if a DRO is right for you at Uswitch.com
Find out how other people have got control over their debt
Are you liable for your partner's debts? Which debts should you pay off first? What action can your creditors take against you? Get these answers and more.