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What is the Visa signature? | Credit card

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Visa Signature is the most common level of premium benefits offered for Visa credit cards. If your card shows “Signature” under its Visa logo, you are eligible for the benefits of this program. Find out what a Visa Signature card means to you.

What are the advantages of Visa Signature cards?

All Visa Signature benefits can be found and redeemed on the Visa Signature website. Benefits include:

  • Travel protections. Visa Signature provides travel assistance benefits, including assistance with emergency medical and transportation needs, emergency ticket replacement, baggage tracing services and document delivery services. Some cards also offer additional travel benefits, such as cancellation, interruption or reimbursement of a trip delay; Global Entry statement credit; airport lounge access; and hotel theft protection.
  • Identity theft protection. A commonly used advantage of Visa Signature is its free NortonLifeLock identity theft protection, which monitors your account data on the web, alerts you to breaches and helps you replace stolen documents. Thomas Talley, vice president, head of US credit at Visa, says consumers are increasingly concerned about identity theft. “In a recent research study of US Visa credit benefits, an identity theft protection benefit ranked #3 in customer preference out of 60 benefits tested,” he says.
  • Extended warranty. You may be able to extend the manufacturer’s warranty on items you purchased with your Visa Signature card. The protection extends the manufacturer’s warranty for up to one year and covers up to $10,000 per claim and $50,000 per cardholder.
  • Luxury hotel privileges. Visa partners with luxury hotels around the world to offer discounts and discounts for Visa Signature cardholders. Some hotels offer a free night, while others offer discounts on hotel rooms or meals. Visa Signature also offers discounts and discounts on select cruise lines.
  • Concierge. Visa Signature offers free 24/7 concierge services that you can access by phone or email. Concierges can help you plan and book travel, dining and entertainment experiences around the world.
  • Discounted experiences. Many discounted experiences are available through Visa Signature. Some recent perks include free wine tasting tickets, reduced golf fees at courses around the world, and pre-sale access to select concerts and a free ticket with purchase.

Visa Signature benefits are also regularly updated. According to Talley, one of the most popular perks launched during the pandemic was membership in Shipt, which offers free same-day delivery for household items and groceries on orders over $35. Visa Signature also plans to launch more benefits later in 2022. For this reason, Talley recommends regularly checking the benefits listed online.

Do Visa Signature cards offer additional rewards?

Depending on the card issuer, Visa Signature cards may also receive additional benefits from their bank or credit union. “Beyond our core Visa Signature benefits, many cards include additional benefits, such as insurance or premium travel benefits,” says Talley.

Disadvantages of Visa Signature

Before enjoying the benefits of your Visa Signature card, understand how they work and if there are any restrictions. To make sure you don’t miss out on your benefits, “read the terms and conditions of the benefits, as there may be several exceptions,” says Geoff Whitmore, credit card expert at Johnny Jet. “For example, you must decline the car rental company’s insurance coverage to be eligible for free collision damage protection.”

Top Rated Visa Signature Cards

One of the highest rated Visa Signature cards according to US News data is the US Bank Altitude Connect Visa Signature Card. In addition to standard Visa Signature benefits, the Altitude card earns five points per dollar spent on hotels and car rentals booked through the Altitude Rewards Center and four points per dollar spent on travel, vehicle charging stations petrol and electric. Other purchases earn at least one point. Cardholders won’t have to pay an annual fee for the first year, and after that it will be $95 per year.

Another popular Visa Signature card is the Amazon Rewards Visa Signature Card. The Amazon Rewards card has no annual fee and offers Visa Signature benefits plus 3% cash back on all purchases made on the Amazon website or Whole Foods Market; 2% back on restaurant, pharmacy and gas station spending; and 1% cashback on all other purchases.

Visa Signature Competitors

Like Visa Signature, Mastercard World Elite is a card tier that offers travel benefits and protection against mobile phone and identity theft. Mastercard offers a variety of discounted experiences worldwide through its World Elite Priceless benefits, including live events, sightseeing tours, tourist attractions and classes. World Elite cards also offer discounts on services like DoorDash, HelloFresh, Lyft, and ShopRunner.

While Mastercard World Elite may have more experience benefits, Visa Signature offers more travel protections, like travel reimbursement, baggage delay discounts, and hotel theft protection — according to the map.

Should you get a Visa Signature card?

If you’re looking for a credit card with lots of protections, Visa Signature can help you insure your trip, extend your benefits and protect your identity. Many Visa Signature cards have low or no annual fees, so they offer plenty of benefits for their value.

However, when evaluating your options, be sure to understand the benefits of each card and consider other factors, such as fees and annual percentage rate. “Comparing cards can be time-consuming, but finding the benefits that work best for you can be as valuable as the sign-up bonus or rewards program,” says Whitmore.