| Category | Rate | Type | Cap |
|---|---|---|---|
|
All Other Purchases
Earn one point for every dollar spent on all purchases, redeemable for 1% cash back or other rewards.
|
1x | Points | No cap |
| Benefit | Category | Value / Coverage |
|---|---|---|
|
Credit Limit Increase Option
Cardholders in good standing can apply to increase their credit limit, up to a maximum of $5,000 for the Visa Classic Card.
|
Financial |
Up to $5,000
Up to $5,000
|
|
Low Interest Rates
The card offers competitive, low APRs on purchases compared to typical credit cards.
|
Financial | Low APR |
|
No Annual Fee
The Visa Classic Card does not charge an annual fee for cardholders.
|
Financial |
$0
Up to $0
|
|
Auto Rental Collision Damage Waiver
Provides secondary coverage for collision and theft damage to a rental vehicle when the rental is paid for with the card and the rental company's collision insurance is declined.
|
Insurance | Complimentary |
|
Digital Wallet / Contactless Payments
Cardholders can make purchases without swiping their physical card by using digital wallet options for contactless payment.
|
Lifestyle | Complimentary |
|
Picture Perfect Card Design
Cardholders can personalize the appearance of their physical card with a custom photo or design through the Picture Perfect program.
|
Lifestyle | Complimentary |
|
Points or Cash Back Rewards
Earn one point for every dollar spent on purchases, redeemable for cash back (1%), travel, merchandise, gift cards, or event tickets, depending on card variant chosen.
|
Rewards | 1 point per $1 / 1% cash back |
|
Card Controls
Cardholders can control when, where, and how their card can be used, including setting alerts and restrictions through the issuer's app or online banking.
|
Security | Complimentary |
|
Cardholder Inquiry Service
Provides cardholders with access to Visa customer service representatives 24 hours a day, 7 days a week for account inquiries and support.
|
Security | 24/7 Support |
|
Identity Theft Recovery Services
Cardholders have access to fully managed identity theft recovery services to help resolve cases of identity fraud.
|
Security | Complimentary |
|
Lost or Stolen Card Reporting and Emergency Card Replacement
Visa provides 24/7 support to block a lost or stolen card and assist with obtaining an emergency replacement card.
|
Security | Complimentary |
|
Zero Liability Protection
Cardholders are not held responsible for unauthorized purchases made on their card, whether the card was lost, stolen, or used fraudulently.
|
Security | Complimentary |
|
Emergency Cash Advance
If a card is lost or stolen while traveling, cardholders can arrange for emergency cash to be wired to them via Western Union, typically within two hours of approval.
|
Travel | Complimentary |
|
Roadside Dispatch
Cardholders can request roadside assistance services such as towing, tire change, or jump-start for a pre-determined fee.
|
Travel | Pay-per-use |
|
Travel Accident Insurance
Provides accidental death and dismemberment insurance coverage while traveling on a common carrier when the trip is paid for with the card.
|
Travel | Complimentary |
|
Travel and Emergency Assistance Services
Provides 24/7 emergency travel assistance while traveling, including medical and legal referrals, emergency message relay, and prescription replacement assistance.
|
Travel | Complimentary |
