Guide To Visa Signature Credit Cards

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Some of the best credit cards are Visa Signature, a card classification tier designated for a selection of cards within the Visa payment network. The benefits offered in this tier are extended to customers on a complimentary basis, meaning you’ll never pay to access your Visa Signature perks. While all Visa credit cards come with standard benefits like rental car insurance, roadside assistance and zero liability for fraud, Visa Signature offers a more extensive array of perks.

Visa Signature credit card benefits

The main Visa Signature benefits include a nuanced collection of perks and conveniences that you may not find on other cards. And some Visa Signature perks can help protect you from financial losses or save you money, such as purchase protections and travel benefits. There’s a wide variety available, so it can be hard to keep track of them all, but we’ve broken many of them down for you here:

Travel benefits

Many Visa Signature cards come standard with generous travel perks, even on cards with no annual fee. While many of the travel perks available are ones you never hope to use, like baggage delay or roadside dispatch, they’re a comfortable addition just for being a cardholder. Here are some of the travel perks available on Visa Signature cards:

• Visa Signature Luxury Hotel Collection: Access to more than 900 luxury hotels, which may include automatic upgrades, complimentary in-room Wi-Fi, complimentary breakfast, late checkout and more.
• Roadside dispatch: You can call a roadside dispatch hotline for emergency assistance 24 hours a day, seven days a week.
• Travel and emergency assistance services: Receive help with emergency assistance and referrals, no matter where you are in the world, by calling a hotline.

In addition to these, Visa Signature cards can offer even more perks. But these depend on the specific credit card you sign up for. They may include:

• Auto rental collision damage waiver
• Rental car privileges
• Lost luggage reimbursement
• Global Entry statement credit
• Trip delay reimbursement
• Trip cancellation and interruption insurance
• Airline incidental fees
• Travel accident insurance
• Airport lounge access with Priority Pass
• Baggage delay reimbursement
• Hotel theft protection
• Emergency medical and dental coverage
• Emergency evacuation

Card member services

You can also look forward to some card member services on Visa Signature cards. These services are generally provided with most Visa cards, and you should reasonably expect that any card of value will include these. Here are some services offered for Visa Signature cards:

• Lost or stolen card reporting: If your credit card is lost or stolen, you can call a special hotline for assistance.
• Cardholder inquiry services: Call in to receive personalized help with your Visa Signature benefits.
• Concierge: Get personal assistance with travel planning, restaurant reservations, entertainment ticketing and other lifestyle requests.
• Emergency card replacement: Visa Signature will replace your credit card within 24 to 72 hours.
• Emergency cash disbursement: Quickly receive a cash wire transfer in the event of an emergency.

Purchase protection

You can also enjoy several purchase protection benefits on your Visa Signature card, depending on which one you get. You’ll get Visa Zero liability, which is a great perk for protecting you in the event of an unauthorized or fraudulent purchase. However, Visa Signature cards can also include additional protections based on the specific card you get. Here’s what could be included:

• Visa purchase alerts
• Extended warranty
• Cellphone protection
• Price protection
• Purchase security
• Return protection

Merchant and service offers

To keep up with changes in consumer habits, Visa has recently updated a few of their benefits, such as Universal Destinations and Experiences and Sofar Sounds:

• Sofar Sounds: Cardholders are eligible for a free ticket per show with a purchase and can enjoy exclusive presale access to select Sofar events.
• GigSky: Stay connected and get complimentary or discounted global mobile data across 125 countries and on over 200 of the world’s top cruise ships.
• Dovly: Cardholders can access Dolvy Uplift™ for free with their Visa card. You can boost your credit score with monitoring, alerts, tips and recommendations.
• OpenTable: Qualify for primetime reservations at top restaurants in select cities.
• Universal Destinations and Experiences: Take advantage of benefits at Universal Orlando Resort and Universal Studios Hollywood when you use an eligible Visa card.
• Golf Troon Rewards®: Save on fees and merchandise when you join Troon.

Visa offers

You can also count on exclusive access to additional features through Visa Offers and Perks, which include special discounts and incentives for merchants like Fanatics.com, NFLShop.com, Foxit, Supportwave, Hertz and several others.

We’ve found that Visa has a fairly extensive list of merchant offers, making their cards ideal for people who prefer to gain more from their card than just rewards. If you take full advantage of many of these offers, you could potentially save hundreds of dollars each year.

Maximizing Visa Signature credit cards

The best way to maximize a Visa Signature card will vary based on your specific card. Here are some general tips you should keep in mind when using your new Visa Signature card.

• Take the time to understand the full range of benefits offered by your Visa Signature card, including travel perks, extended warranties and purchase protection.
• Capitalize on the rewards program that may be associated with your Visa Signature card, maximizing points, miles or cash back on eligible purchases.
• Make use of the 24/7 Visa Signature Concierge service for assistance with travel planning, restaurant reservations, event tickets and more.
• Keep an eye out for exclusive Visa offers, such as access to discounted hotel stays, complimentary service memberships, and other special deals, events and experiences.

The bottom line

Complimentary access to Visa Signature card benefits makes these cards valuable additions to your wallet. A variety of perks are always a great incentive for credit cards, and you should do whatever you can to make the most of them, especially if you pay an annual fee.

Whether you already have a Visa Signature card or are considering applying for one, be sure to review the options available to you and choose the card with the perks you use. If you already have a Visa Signature card, figure out which perks you have on your card so that when it comes time to use them, you’re prepared because you have already done your research.

FAQs

• What’s the difference between Visa Signature and other Visa cards?
  

  Visa Signature isn’t the only type of Visa credit card. Visa offers three levels of benefits that can apply to different card options. As far as the tiers go, Visa Signature is the middle-of-the-road credit card package with fewer perks than the top tier of Visa cards, Visa Infinite. However, Visa Signature has more to offer than traditional Visa cards.

• How do I know if my credit card is a Visa Signature?
  

  Some credit cards have the term “Visa Signature” in their name, making it easy to know the type of Visa credit card you have.

  Another way to find out the type of credit card you have is to check the cardholder paperwork you received when your credit card came in the mail. You should have received a small mailer with your cardholder agreement and information on any cardholder benefits you have access to.

  If you still can’t figure out the type of Visa credit card you have, you can always call the number on the back of your credit card to ask.

• How do I use Visa Signature perks?
  

  Once you’re a Visa Signature cardholder, you’ll automatically receive all the Visa Signature benefits available on your credit card. It’s also important to note that Visa Signature perks are offered on top of any rewards and card-specific benefits you get with your credit card.

  Many of the perks are situational or conditional, so you’ll need to review the terms carefully to learn more about a specific benefit. For example, cell phone protection may only apply to your cell phone if you pay your bill with your Visa Signature card that includes cell phone protection.