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Walmart MoneyCard Visa
Walmart MoneyCard Visa
At a Glance
The Walmart MoneyCard is a prepaid Visa debit card from Walmart that offers cash back rewards on select purchases, access to a full selection of checking and savings features, and more – for as low as $0 per month.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Get $20 this season when you make two new direct deposits of $500+ by 6/30/22.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $200, for purchase transactions with opt-in & eligible direct deposit.*
- *Please see site for full terms and conditions.
- Annual Fee: None. $5.94 monthly fee
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Minimum Deposit Required: See Terms
- You frequently shop at Walmart
- You frequently purchase gasoline at eligible Walmart stores
- You get your groceries delivered from Walmart
- You want a small savings account that earns up to 2% APY
- You plan to add accounts for family members
Insight Visa Platinum Credit Card
Insight Visa Platinum Credit Card
- *See Terms Regular Purchase APR
- *See Terms Balance Transfer APR
- *See Terms Cash Advance APR
At a Glance
The Insight Platinum Visa Credit Card places low-interest rates at a premium – but at a cost. The card, issued by Central Florida-based Insight Credit Union, features an exceptionally low APR on purchases, balance transfers, and cash advances. The card also boasts no annual fee, no penalty APR, no over-the-limit charge. The low APR, however, is offset by charges for foreign transactions, cash advances, and balance transfers – something many other credit union credit cards lack.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Low interest rates everyday
- Visa protections and perks
- Regular Purchase APR: *See Terms
- Balance Transfer APR: *See Terms
- Balance Transfer Transaction Fee: Either $10 or 2% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: *See Terms
- Cash Advance Transaction Fee: Either $10 or 2% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $35
- Return Payment Penalty Fee: Up to $25
- You already bank with Insight CU
- You don’t want to pay an annual fee
- You plan to carry a balance or finance a large purchase over several months
Southern Bank Visa® Platinum Credit Card
Southern Bank Visa® Platinum Credit Card
- 15.99% to 26.99% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 15.99% to 26.99% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 26.99% to 29.99% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Southern Bank Visa® Platinum Credit Card is offers cardholders some attractive features on top of the many benefits that are included in most Visa credit cards. Cardholders can take advantage of no annual fee and 0% APR on balance transfers within the first 12 months. Additionally, cardholders have the option of enrolling in the BankMiles® program for added rewards and can qualify for cell phone protection when they pay their monthly cellular phone bills with their Southern Bank Visa® cards.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Option to enroll in BankMiles® Rewards program
- Use your Southern Bank Visa® to pay your cell phone bill and get reimbursed if your phone gets damaged or stole
- Regular Purchase APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 12 months on transfers made within 90 days from account opening date
- Balance Transfer APR: 15.99% to 26.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 26.99% to 29.99% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Annual Fee: 0
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: $25
- Return Payment Penalty Fee: $25
- You prefer doing business with smaller local banks
- You don’t want to pay an annual fee for using a credit card
- You want to transfer a balance from another credit card without interest
- You like the flexibility of joining an optional rewards program
Applied Bank® Unsecured Classic Visa® Card
Applied Bank® Unsecured Classic Visa® Card
- 29.99% Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Applied Bank® Unsecured Classic Visa® Card is a credit card designed to help you build your credit score. The card from Applied Bank does not require good credit for approval and offers the perks and protections of a true Visa credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get pre-qualified in less than a minute
- A $300 unsecured credit line which can be used at grocery stores, gas stations, discount stores, ATMs and online
- A real Visa® credit card with automatic reporting to all three national credit bureaus
- No penalty rate. Your rate wo't go up even if you are late
- Access additional credit with on-time payments and responsible usage
- A true unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and manageable monthly payments
- Regular Purchase APR: 29.99%
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: See website for details*
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You're looking to build your credit
- You want a card that regularly reports to all three major credit bureaus
- You don’t want to pay a security deposit for a secured card
Chime Credit Builder Secured Visa® Credit Card
Chime Credit Builder Secured Visa® Credit Card
- See Terms Regular Purchase APR
- See Terms Cash Advance APR
At a Glance
The Chime Credit Builder Visa® Secured Credit Card is a credit-builder product from Chime – a fintech that offers an assortment of financial products and services with no hidden fees. The secured card functions harmoniously with Chime’s other products and services, including their high-yield savings account.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee or interest
- No credit check performed when applying
- No minimum security deposit required
- Ideal for everyday purchases to help build credit with regular on-time payments
- Checking account required
- Regular Purchase APR: See Terms
- Cash Advance APR: See Terms
- Cash Advance Transaction Fee: $2.50 per transactio
- You're seeking to build your credit score
- You don’t want a credit check on your credit report
- You don’t want the hassle of a minimum security deposit
- You want access to high yield savings to help your money grow
- You don’t want to pay any additional fees
Credit One Bank Secured Card
Credit One Bank Secured Card
- 28.99% variable based on the Prime Rate Regular Purchase APR
- 28.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Credit One Bank Secured Card is a no annual fee secured credit card from Credit One Bank. The card offers up to 1% cash back on eligible purchases, a $200 minimum security deposit that earns interest, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn interest on your minimum $200 security deposit
- Earn 1% cash back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
- Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- View your free online access to your Experian credit score, terms apply
- Regular Purchase APR: 28.99% variable based on the Prime Rate
- Cash Advance APR: 28.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 8% of the amount of each Cash Advance, whichever is greater
- Foreign Transaction Fee: Either $1 or 3% of each purchase in U.S. dollars, whichever is greater
- Late Payment Penalty Fee: Up to $39 (terms apply)
- Return Payment Penalty Fee: Up to $39 (terms apply)
- Minimum Deposit Required: $200
- You're seeking to establish – or rebuild – your credit
- You want a security deposit that earns interest
- You want basic cash rewards
- You do't want to pay an annual fee
Total Visa® Card
Total Visa® Card
- 35.99%* Regular Purchase APR
- 35.99%* Cash Advance APR
At a Glance
With the Total Visa® Card, you can begin to tackle your credit improvement goals no matter what your financial profile currently looks like. This Bank of Missouri card reports your activity to TransUnion, Equifax, and Experian for a threefold approach to credit improvement. Not only that, but you’ll also gain access to a $300 credit limit with no deposit required, and no restrictions on where you can use the card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back rewards on payments made to your Total Credit Card • Checking Account Required • $300 credit limit (subject to available credit) • No security deposit, simply pay a one-time $95 program fee to open your account.* • User friendly Mobile App. • *See Rates, Fees, Costs & Limitations for complete offer details • See Total Card Visa Rewards Programs Terms & Conditions for details
- Regular Purchase APR: 35.99%*
- Cash Advance APR: 35.99%*
- Cash Advance Transaction Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater
- Annual Fee: $75 1st year, $48 after*
- Late Payment Penalty Fee: Up to $41*
- Return Payment Penalty Fee: Up to $41*
- You have a bad credit or no credit history
- You want a credit card that will report to all three major credit bureaus
- You don’t mind paying the startup and annual fees to improve your credit
- You already have a checking account to complete the application
- You want a choice of five unique card designs
- You want free access to your FICO Score every month
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- 9.99% Fixed Rate Regular Purchase APR
- 9.99% Fixed Rate Cash Advance APR
At a Glance
The Applied Bank® Secured Visa® Gold Preferred® Card offers those with limited credit history or a poor credit score the chance to receive a full-fledged Visa card without the need for a credit check. The card also boasts and impressively low fixed APR on purchases and cash advances – all for the modest annual fee of $48.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- Regular Purchase APR: 9.99% Fixed Rate
- Cash Advance APR: 9.99% Fixed Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $48
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- Minimum Deposit Required: $200
- You have bad credit, limited credit, or no credit history at all
- You want a card that automatically reports to all the major credit bureaus
- You are tired of spending money on reloadable prepaid cards
- You can make a minimum deposit of at least $200
First Access Visa® Card
First Access Visa® Card
- 35.99%* Regular Purchase APR
- 35.99%* Cash Advance APR
At a Glance
The First Access Visa® Card is a great option for those who want a true Visa® credit card but don’t have perfect credit. Available after an easy online application, approval can be as fast as 60 seconds – and since your responsible card use is reported to the three major credit bureaus each month when used properly, this can be a valuable tool to build, or repair, your credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1% cash back rewards on payments made to your First Access Credit Card • Checking Account Required • $300 credit limit (subject to available credit) • No security deposit, simply pay a one-time $95 program fee to open your account.* • User friendly Mobile App. • *See Rates, Fees, Costs & Limitations for complete offer details • See First Access Rewards Programs Terms & Conditions for details
- Regular Purchase APR: 35.99%*
- Cash Advance APR: 35.99%*
- Cash Advance Transaction Fee: Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
- Annual Fee: $75 1st year, $48 after*
- Late Payment Penalty Fee: Up to $41*
- Return Payment Penalty Fee: Up to $41*
- You have poor credit, or no credit history
- You want a credit card with fast approval
- You will demonstrate responsible financial behavior to report to the credit bureaus
- You want a card that is accepted wherever Visa is accepted in the United States
- You want the option to select your favorite card desig
First Phase Visa®
First Phase Visa®
- 34.99% variable based on the Prime Rate Regular Purchase APR
- 34.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The First Phase Visa® is a credit builder credit card issued by The Bank of Missouri. Packed with the basics, the credit card offers manageable credit limits, dynamic credit card protection tools and, overall, a solid option for people with limited access to credit.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Build credit with a card that reports to all major credit bureaus
- On-call representatives with reliable customer service
- Peace of mind with Visa® Zero Liability Policy
- No cash advance fees in the first year
- Secure a manageable credit limit from $300 to $1,000
- Regular Purchase APR: 34.99% variable based on the Prime Rate
- Cash Advance APR: 34.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: None for the first year (introductory). After that, either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $75 for the first 12 months. After that, $48
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You're looking for a starter credit card to build credit
- You struggle to gain access to credit due to a subprime credit score or no credit score
- You seek a manageable credit limit to support better budgeting habits
- You want to feel secure in all credit card purchases with dynamic security tools in place
- You don’t mind investing in your credit journey
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What is Visa?
Visa is the world’s largest payment network. Over 335 million credit cards, debit cards, and prepaid cards are in circulation bearing the Visa brand name – more than 100 million more than Mastercard, its closest rival. Visa is a global financial corporation with its headquarters in Foster City, California. The company, as the largest payment network, helps banks conduct electronic funds transfers – the process by which card payments are made.
Visa does not issue credit cards itself. Nor does the company issue its own debit cards or prepaid cards. Instead, Visa partners with banks, lenders, and other financial institutions to provide payment solutions for their card products.
Where is Visa Accepted?
The Visa network is the most extensive payment network in the world. As such, Visa credit cards are accepted in over 200 countries across the globe. While Mastercard is accepted in slightly more countries (212 to 200), Visa is accepted by more merchants – over 40 million to date.
The Visa network is so vast there is never a need to ask, “do you accept Visa?” The chances are that if the store takes electronic payments, they take Visa. This reliability is what makes Visa such a trusted name in the credit card industry.
Having a card with Visa on it gives you the peace of mind that you are protected anywhere you go. It’s no wonder Visa’s slogan, “It’s everywhere you want to be,” is so iconic.
Types of Visa Credit Cards
While Visa doesn’t issue cards themselves, they do offer several tiers of credit cards to issuers. Each tier has unique benefits and perks for cardholders, including comprehensive protection. There are currently three tiers of Visa personal credit cards and three tiers of Visa business credit cards:
Personal Cards:
- Classic/ Traditional/ Platinum
- Signature
- Infinite
Business Cards:
- Business
- Signature Business
- Infinite Business
Traditional
Visa Traditional (also known as Visa classic or Visa Platinum) is the basic level of Visa credit or debit card. These cards offer basic protections and benefits that most cardholders have come to expect from the Visa name. Traditional Visa cards typically do not have an annual fee, except for some secured credit cards
Visa Signature
Visa Signature is the mid-tier of the Visa range of card products, offering elevated service, benefits, and security. Signature cards may – or may not – have an annual fee and typically come with rewards from the issuer.
Visa Infinite
Infinite is the ultimate in credit card perks and protections. Infinite credit cards are the most prestigious of travel cards, offering luxury, statement credits, and hefty annual fees to match. These cards are the upper tier of a bank’s credit card lineup.
Visa Credit Card Benefits and Protections
Here are the safety features and perks associated with each of Visa’s personal credit cards:
Visa Platinum | Visa Signature | Visa Infinite | |
---|---|---|---|
Zero Fraud Liability | ✅ | ✅ | ✅ |
Roadside Dispatch | ✅ | ✅ | ✅ |
Cardholder Inquiry Services | ✅ | ✅ | ✅ |
Lost/Stolen Card Reporting | ✅ | ✅ | ✅ |
Emergency Card Replacement | ✅ | ✅ | ✅ |
ID Navigator from Norton | ✅ | ✅ | ✅ |
Auto Rental Collison Damage Waiver | ✅ | ✅ | ✅ |
Travel and Emergency Assistance Services | ❌ | ✅ | ✅ |
Extended Warranty | ❌ | ✅ | ✅ |
Signature Concierge | ❌ | ✅ | ❌ |
Infinite Concierge | ❌ | ❌ | ✅ |
Luxury Hotel Collection | ❌ | ✅ | ✅ |
Return Protection | ❌ | ❌ | ✅ |
Travel Accident Insurance | ❌ | ❌ | ✅ |
Trip Cancellation/Trip Interruption Insurance | ❌ | ❌ | ✅ |
Trip Delay Reimbursement | ❌ | ❌ | ✅ |
Lost Luggage Reimbursement | ❌ | ❌ | ✅ |
Visa Benefits Explained
Here is a quick breakdown regarding these Visa features, including what cardholders can anticipate from each Visa credit card:
- Roadside Dispatch: Visa Roadside Dispatch is a pay-per-use towing and roadside assistance program. This program gives travelers peace of mind should they break down, anywhere, 24/7.
- Auto Rental Collision Damage Waiver: Receive coverage when you use your Visa to pay for the entire cost of car rental. This protection covers damage due to collision or theft.
- Cardholder Inquiry Service: 24/7 access to Visa customer service representatives who can provide detailed information for members in all major languages.
- Lost or Stolen Card Reporting: Visa will help you block your lost or stolen card and connect you with your bank.
- Emergency Card Replacement: Once connected with your bank, Visa will work with them to get you an emergency replacement card within one to three days. Conditions apply.
- Emergency Cash Disbursement: Visa can also work with your bank to help get your emergency cash until your new card arrives.
- Zero Liability: Cardholders pay nothing if their card is subject to unauthorized use or theft.
- Extended Warranty Protection: This program provides holders with an extra year of warranty coverage for eligible U.S. manufacturer goods with a warranty of one year or more.
- Year-end Summary: A detailed summary of your spending to help simplify your budgeting in the new year.
- Travel and Emergency Assistance Services: 24/7 assistance for Signature cardholders anywhere in the world.
- Visa Signature Concierge: Customized customer service to help cardholders make reservations, buy tickets, and receive advice.
- Visa Signature Luxury Hotel Collection: Signature cardholders get exclusive access and guest privileges at over 900 luxury hotels worldwide.
- Return Protection: Receive extra protection for items you purchase with your Infinite Card of up to $300.
- Purchase Security: Eligible purchases made with an Infinite card are protected from damage or theft within 90 days of purchase.
- Travel Accident Insurance: $500,000 of accidental death or dismemberment coverage for travel booked with an Infinite Card.
- Trip Cancellation/ Trip Interruption Insurance: If you must cancel or interrupt a trip paid for with your Infinite Card, Visa will reimburse you for the non-refundable costs.
- Trip Delay Reimbursement: Get reimbursed if your flight is delayed by more than six hours or requires an overnight stay. Terms and conditions apply.
- Lost Luggage Reimbursement: Receive reimbursement for lost or missing luggage when you purchase an airline or common carrier ticket with your Infinite card.
- Visa Infinite Concierge: Personalized concierge service 24/7.
- Visa Infinite Luxury Hotel Collection: Enhanced benefits over Signature, including free breakfast, room upgrades, and more.
Visa Business
Visa business cards come with many of the same features of personal cards, but with additional tools to help businesses succeed. These tools include payment management by combining statements, additional employee cards, and business monitoring tools. These protections allow companies to keep control of their finances, while the Signature and Infinite perks enable employees to travel in comfort and style at the same time.
Here’s a breakdown of Visa Business features by card type:
Visa Business | Visa Signature Business | Visa Infinite Business | |
---|---|---|---|
Zero Fraud Liability | ✅ | ✅ | ✅ |
Roadside Dispatch | ✅ | ✅ | ✅ |
Cardholder Inquiry Services | ✅ | ✅ | ✅ |
Lost/Stolen Card Reporting | ✅ | ✅ | ✅ |
Emergency Card Replacement | ✅ | ✅ | ✅ |
Auto Rental Collison Damage Waiver | ✅ | ✅ | ✅ |
Travel and Emergency Assistance Services | ✅ | ✅ | ✅ |
Purchase and Extended Protection | ✅ | ✅ | ✅ |
Lost Luggage Reimbursement | ❌ | ✅ | ✅ |
Travel Accident Insurance | ❌ | ❌ | ✅ |
Trip Delay and Cancellation Insurance | ❌ | ❌ | ✅ |
Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.