Visa brand is one of the largest credit and debit card issuers in the world, known for its global acceptance and the security it provides in financial transactions. It was founded in 1958, initially as BankAmericard, which quickly expanded, but it wasn’t until 1976 that the name was changed to Visa, symbolizing universality. Since then, the company has led innovations in the financial sector, ensuring fast and secure transactions in over 200 countries and territories.

Over the years, the Visa brand has established itself as a key player in the development of the credit and debit card market, enabling millions of consumers and businesses to carry out financial transactions efficiently. The brand has also invested in technology, offering its users tools like contactless payments and EMV chip security. Want to know more about their cards? Check out the details below!

1. How to Apply for a Visa Brand Card?

Applying for a Visa-branded card is a simple and widely accessible process. Consumers can apply for Visa cards directly through their banks or partner financial institutions.

Generally, financial institutions offer a variety of options, including credit, debit, and prepaid cards, each suitable for different user profiles. The application can be made either in person at bank branches or online through bank websites or apps.

The first step in applying for a Visa card is to choose the type of card that best suits the consumer’s needs. Once selected, the applicant must fill out an application form, providing personal and financial information such as name, address, income, and other relevant details.

Some financial institutions also offer the possibility of pre-approval, where the consumer can check their eligibility before filling out the formal application. The approval process may vary from bank to bank, but it usually includes a credit analysis of the applicant.

2. General Criteria for Applying for a Visa Brand Card?

The criteria for applying for a Visa card vary depending on the type of card and the issuer. However, there are some common requirements that most financial institutions follow when granting a credit or debit Visa card.

In general, banks require applicants to be at least 18 years old, although in some countries, like the United States, the minimum age for obtaining a credit card is 21, unless the applicant has a verified source of income.

In addition to age, applicants must demonstrate that they have a minimum income compatible with the card they are applying for. This minimum income may vary depending on the card category, such as basic or premium cards.

Premium Visa cards, like the Visa Infinite, for example, usually require higher incomes. Another important factor for approval is the applicant’s credit history. Banks and financial institutions typically review the applicant’s credit score, evaluating whether the client has an adequate payment history and is a good candidate for receiving additional credit.

3. What are the most famous Visa Brand Cards?

The most famous Visa credit cards include Visa Infinite, Visa Signature, Visa Platinum, Visa Gold, and Visa Classic, each offering benefits tailored to different user profiles. Visa Infinite and Visa Signature are aimed at high-income consumers, providing exclusive perks such as lounge access, travel insurance, and purchase protection. Visa Platinum, also a premium card, offers rewards programs and cashback.

Visa Gold is popular in many countries for its mid-tier benefits, including purchase protection and insurance, while Visa Classic is an accessible option for those entering the credit market, with lower limits and basic rewards. All are widely accepted globally, ensuring security in financial transactions.

4. Visa Brand: main cards by continent

Visa offers a wide range of cards issued by banks worldwide, tailored to the needs of consumers in each region. Below are the top five Visa-branded cards in each continent, considering their features, benefits, and popularity.

4.1. Cards in Europe

In Europe, Visa cards are widely accepted and offer a range of exclusive benefits for consumers on the continent. Among the top cards is the Visa Infinite, which offers premium benefits, including travel insurance, airport lounge access, and concierge services.

Consumers can also enjoy the Visa Platinum, which provides benefits such as cashback and points programs. Another option is the Visa Debit, widely used in daily transactions and can be linked to checking accounts at various banks across Europe.

The Visa Classic is also ideal for users just starting to use credit cards, with accessible limits and basic loyalty programs. Finally, there’s the Visa Electron, a prepaid card widely accepted for online and in-person purchases.

4.2. Cards in North America

In North America, especially in the United States and Canada, Visa cards are also extremely popular and offer a wide range of advantages for different user profiles.

At the top of the list is the Chase Sapphire Preferred Visa, known for its travel rewards program and points that can be transferred to various airlines.

The Visa Signature offers exclusive benefits such as purchase protection, car rental insurance, and luxury hotel perks. Next, we have the Wells Fargo Visa Platinum, a credit card that offers 0% interest on purchases and balance transfers for an initial period.

Another option is the Bank of America Travel Rewards Visa, a card geared toward travelers, offering points on all purchases and no foreign transaction fees. Finally, there’s the TD Cash Visa, a card that provides cashback on everyday purchases like groceries and restaurants.

4.3. Cards in South America

In South America, Visa cards stand out for their wide acceptance at various establishments and for offering benefits tailored to the local market. The Visa Gold, very popular in countries like Brazil and Argentina, offers purchase protection, extended warranties, and travel insurance.

The Visa Platinum International is ideal for frequent travelers, providing exclusive benefits like emergency assistance. Geared toward the premium market, the Visa Signature International offers perks at hotels, restaurants, and travel protection. The Visa Debit is widely used for both local and online purchases, facilitating everyday transactions.

Lastly, the Visa International, globally accepted, is one of the most popular options for those seeking convenience in international purchases.

4.4. Cards in Central America

In Central America, Visa has a solid presence, offering a variety of cards ranging from debit options to premium versions. The Visa Gold, widely used in countries like Panama and Costa Rica, offers benefits in shopping and travel.

The Visa Classic is a basic option that ensures practicality and security for everyday transactions. The Visa Debit is ideal for those seeking financial control, allowing withdrawals and purchases based on the available balance.

The Visa Platinum provides travel and special insurance benefits, catering to consumers seeking additional perks. The Visa Signature, aimed at high-income consumers, offers rewards programs and exclusive advantages.

4.5. Cards in Africa

In Africa, Visa plays a significant role, especially in countries where the use of digital financial services is on the rise. The Visa Gold is quite popular for its benefits in insurance and shopping rewards.

Another option is the Visa Platinum, geared toward high-income consumers, offering travel and international shopping perks. The Visa Electron is widely accepted for online purchases and digital transactions.

Finally, the Visa Classic stands out as an accessible option, ideal for consumers seeking convenience in their daily transactions. The Visa Debit is widely used for both local purchases and withdrawals.

4.6. Cards in Oceania

In Oceania, Visa remains one of the leading brands, offering a wide range of cards with various advantages. The Visa Platinum is a premium card offering travel benefits like baggage insurance and medical emergency coverage.

The Visa Debit is widely used in Australia and New Zealand for daily transactions. The Visa Signature provides perks in lodging and access to exclusive events, while the Visa Classic, with a low annual fee, is a popular option for everyday use. The Visa Infinite offers a range of premium benefits aimed at high-income clients.

4.7. Cards in Asia

In Asia, Visa has a strong presence, offering a wide range of cards adapted to both local and international needs. The Visa Infinite is quite popular in markets like Singapore and Hong Kong, providing premium benefits for travel and shopping.

The Visa Signature stands out for offering access to exclusive experiences and perks at luxury restaurants and hotels. The Visa Platinum is geared toward consumers looking for travel benefits and purchase protection. The Visa Classic is widely used for everyday transactions in emerging markets, while the Visa Debit is widely accepted throughout the region, facilitating secure and fast transactions.

5. Conclusion

Throughout this article, we have explored the history and global importance of the Visa brand, its accessibility for consumers around the world, and the top cards offered by continent. From the application process to the eligibility criteria, Visa positions itself as one of the largest facilitators of global financial transactions.

With a vast range of card options and an established presence in practically every continent, Visa continues to play a fundamental role in global commerce, providing financial solutions to millions of people.