How Can I Get a Visa Credit Card?

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As of 2009 Visa has issued over 1.7 billion Visa cards that are accepted at over 28 million stores in over 200 countries. In 2008 over 92 billion transactions were processed by Visa. There are several things to consider when you apply for a Visa card.

Determine the Right Card for You

  • You must have good or excellent credit to get a Visa credit card. Different Visa cards have varied interest rates, rewards and annual fees. If you carry a balance, consider a card that has a low interest rate like PartnersFirst Visa that adds only 6.99 percent to the prime rate. If you pay off your bill each month and want rewards, consider the Chase Freedom Visa which rewards you with 1 percent cash back on all purchases and 3 percent on your most common purchases.

Apply for a Card

  • Once you have determined which card you want, you can apply online for the card. You will need to submit your identifying information including your social security number, your employment situation and you financial situation including your income, whether you have checking and savings accounts and what your residential situation is. You must also certify that your credit history is clear of any bankruptcies or delinquent accounts.

Account Options

  • When you apply for your Visa card, you have the option to add an additional person to your account, such as a spouse or child. However, be careful of adding people because you are responsible for any charges that they put on the card. You can also transfer balances from other cards to your new Visa card, pending approval. You will need to submit the names and account numbers of the other cards.

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