Apply For Visa Credit Card

The most popular names in the credit card industry are MasterCard, Visa, American Express, and Discover. Of those four names, Visa has made the largest impact in the past ten years. It seems like everywhere you look, someone is always using a Visa card. Like most popular items or services, Visa is popular for a reason – they offer a good service with rewards. If you would like to join millions of other Visa users, all you have to do is apply for a Visa credit card today. There are many types of Visa credit cards you can apply for, but we have selected the two top Visa cards to use as examples.

The first credit card to cover is the Chase Freedom Visa. This is a card for the masses, as you will only need good credit – opposed to excellent credit. There are many other advantages as well, which include 5% cash back for gas, home improvements, and department stores. Purchases for anything else offer 1% cash back. There are no limits on the 1% cash back plan. If you shop online, you can also receive up to 20% cash back.

You should know what to expect when you apply for a Visa credit card. Prior to filling out the application, you will be asked to check three boxes. They state that you have had no bankruptcies, no serious delinquent accounts, and that you have not been denied credit through Chase within the past six months. Following this short section, the Visa credit card application process will begin.

Applying for a Visa credit card is actually quite simple. All you have to do is fill out information. This information includes: Name, SSN#, DOB, Residential Address, City, State, Zip Code, Phone Numbers, how long you have lived at current address, mother’s maiden name, and e-mail address. After this, you will fill out the employment section. In this part of the Visa credit card application process, you must first select your position: Office Professional, Consultant, Disabled, Home Maker, Medical/Legal, Military, Retired, Self-Employed, Service Professional, Retail/Sales/Service, Student: Medical, Student: Other, Teacher/Administrative, Trade: Electric, Plumbing, etc., or other. You also must list your employer, your employer’s phone number, and how long you have worked there. If you’re retired, list previous employer. If you’re self-employed, list the nature of your business. The final step will be to list your gross annual household income, whether you rent or own your home, if you have a checking, savings, both or neither, and what your monthly rent or mortgage is.

If you’d like to apply for one of the best Visa cards available, consider applying for Visa Black. This card is reserved for people with excellent credit. If you do get approved for this credit card, there are many rewards. They include 24-concierge service, 1% back on all purchases, a travel redemption program, luxury gifts for all card members, a travel lounge priority pass, and eligibility for travel insurance. The application process for this Visa credit card will be similar to the Chase Freedom Visa.

Listed below are some differences between the Chase Freedom Visa and the Visa Black.

Chase Freedom Visa

Intro APR: 0%
Intro APR Period: 12 months on balance transfers, 6 months on purchases
Regular APR: 12.99%
Annual Fee: None
Balance Transfers: Possible
Credit Needed: Good

Visa Black

Intro APR: 0%
Intro APR Period: 6 months on balance transfers and convenience checks
Regular APR: 13.24%
Annual Fee: $495
Balance Transfers: Possible
Credit Needed: Excellent