Visa Platinum or Visa Signature: which is better in 2025?
Visa Platinum or Visa Signature
Most credit cards are either a Visa, Mastercard, American Express, or Discover card. What people don’t realize is there are several different tiers of Visa credit cards. When discussing credit cards, the main topics are usually signup bonuses or credit card offers.
However, Visa Platinum and Visa Signature cards offer various fringe benefits that most people don’t know much about.
Just like a hotel or airline loyalty program has different membership tiers, Visa offers four different card levels:
- Classic
- Platinum
- Signature
- Infinite
When credit cards were still “new,” there was only one type of Visa card. As Visa rolled out new versions with more benefits than previous generations, the original Visa became the Visa Classic. The best type of Visa (and the hardest to qualify for) is Visa Infinite. And a Visa Signature is better than a Visa Platinum.
Visa Platinum Credit Cards
Below are some of the best Visa Platinum credit cards. These two cards don’t charge an annual fee, either!
Chase Freedom Unlimited
The Chase Freedom Unlimited® will either be a Visa Platinum or Visa Signature. For the Visa Platinum, your starting credit limit will be at least $500. The minimum limit is $5,000 for the Visa Signature.
Cardholders earn unlimited:
- 5% cash back on travel purchased through Chase Travel℠
- 3% cash back on dining at restaurants, including takeout and eligible delivery services
- 3% cash back on drugstore purchases
- 1.5% cash back on all other purchases
These are great opportunities to earn cash back on every purchase, all without worrying about an annual fee. Points can be used for travel, gift cards, and merchandise rewards. You can learn more about it in this Chase Freedom Unlimited review.
New Chase Freedom Unlimited® cardholders can earn a $200 Bonus after spending $500 on purchases in the first 3 months from account opening.
And if you were wondering, yes, you can transfer Freedom Unlimited points to the Sapphire Preferred.
You will need a 670 credit score or higher to have the best approval odds. Yet, you can qualify with a score as low as 620 if you have a strong enough credit history or annual income.
U.S. Bank Visa Platinum Card
The information for the U.S. Bank Visa® Platinum Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.
The U.S. Bank Visa® Platinum Card offers these perks:
- Cell phone protection
- Free TransUnion credit score
- Flexibility to choose a payment due date that works with your schedule
- No annual fee (See Rates and Fees)
Cardholders can enjoy up to $600 protection on their cell phone (subject to a $25 deductible) against covered damage or theft when paying their monthly cellular telephone bill with their U.S. Bank Visa® Platinum Credit Card. Certain terms, conditions, and exclusions apply.
There is also fraud protection, and you can set up autopay to make things a bit easier. Additionally, you can set up your card in your digital wallet like Apple Pay.
The U.S. Bank Visa Platinum Card is also contactless.
Summary of Visa Platinum vs. Visa Signature
Are you still deciding whether to get a Visa Platinum or Visa Signature? If possible, try Visa Signature credit cards first, as they tend to offer better benefits and purchase rewards. But even if you get a Visa Platinum, you can earn rewards, get fringe benefits from Visa, and build credit to qualify for better cards.