visa signature

Review: Wells Fargo Autograph Visa Signature

⭐⭐⭐⭐⭐, Credit Card Reviews /

The new Wells Fargo Autograph Visa Signature is an updated version of their no-fee ‘Propel’ card. These are basically the same card, except that the Autograph is Visa and Propel is American Express, and Autograph also earns bonus points for phone plans. Both are strong considerations for many wallets.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 3x points on dining
  • 3x points on travel and transit (airfare, hotels, subways, parking, etc.)
  • 3x points on gas and electric vehicle (EV) charging
  • 3x points on select streaming and entertainment
  • 3x points on phone plans
  • 1x points on everything else

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Review: NIH Federal Credit Union Cash Rewards

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The Cash Rewards Visa from NIH Federal Credit Union is a no-fee card aimed at covering everyday home expenses. It has fair cash back rates for groceries, gas, streaming, and more. It isn’t a go-to option for some people, but it’s definitely worth a look. It covers multiple useful categories.

FEATURES AT A GLANCE

  • No annual fee
  • 1% foreign transaction fee
  • 3% cash back for groceries and wholesale clubs
  • 3% cash back on utilities and streaming
  • 3% cash back on gas ($6,000 annual spending limit), EV charging, and rideshare/taxis
  • 1% cash back on everything else

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Review: NIH Federal Credit Union Travel Rewards

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The Travel Rewards Visa Signature from NIH Federal Credit Union is a no-fee card which earns decent cash back rates for travel and restaurants. It’s good for both domestic and international trips. The only big quirk is a spending limit on gas purchases, so you may want to consider other cards for that category.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 3% cash back on travel (airlines, hotels, trains, buses, car or boat rentals, tours, tolls, rideshare, taxis, etc)
  • 3% cash back on gas ($6,000 annual spending limit) and EV charging
  • 3% cash back on dining
  • 1% cash back on everything else

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Review: Affinity Federal Credit Union Cash Rewards

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The Affinity Federal Credit Union Cash Rewards is a high-earning Visa Signature credit card. It gets 5% cash back at bookstores, and on non-digital Amazon purchases. The card also has rotating categories where you can earn up to 7% cash back for 3 months at a time. If you’re considering something like the Barnes & Noble credit card, or an Amazon-specific card, Affinity FCU could be the superior choice.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 5% cash back on rotating categories
  • 5% cash back with Amazon and bookstores
  • 2% cash back on groceries, dining, gas, rideshare, and streaming
  • 1% cash back on everything else

2022 categories:

  • Q1: Gas, Cellular/Wireless, Cable/Satellite
  • Q2: Gas, Gardening, Supermarkets
  • Q3: Gas, Wholesale Clubs, Fast Food
  • Q4: Unknown

Note: for 2023, Affinity may have discontinued rotating categories. TBD.

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Review: Amazon Prime Rewards Visa

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The Amazon Prime Rewards Visa Signature credit card is issued by Chase Bank. Although it’s a store card with limited usage, it has decent benefits, and it’s good at what it does. The sign-up bonus is also easy to get, since it doesn’t have a minimum spending requirement like other cards.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fee
  • 5% cash back at Chase Travel for booking flights, hotels, or car rentals (3% instead if you’re not a Prime member) (new benefit as of May 2023)
  • 5% cash back at Amazon and Whole Foods (3% instead if you’re not a Prime member)
  • 2% cash back at restaurants and gas stations
  • 2% cash back on transit and rideshare (as of May 2023, replacing the former “drugstore” category)
  • 1% cash back for everything else

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Review: World of Hyatt Visa

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The World of Hyatt Visa Signature is a travel card for certain hotel loyalists. It earns points in multiple categories and can be a good generalist card. It’s issued by Chase Bank, and in 2018, the card was relaunched with increased value. Hyatt isn’t the most prolific hotel brand in terms of locations though. Whether this card is useful depends on how often you’ll use Hyatt or Hyatt-linked hotels.

FEATURES AT A GLANCE

  • $95 annual fee
  • No foreign transaction fees
  • 4x points on Hyatt stays (+5x for World of Hyatt members for a total of 9x)
  • 2x points on dining
  • 2x points on flights
  • 2x points on fitness clubs and gym memberships
  • 2x points on transit (taxis, buses, trains, tolls, rideshare, etc.)
  • 1x points on everything else

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Review: Provident Credit Union World+ Travel Visa Signature

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The Provident Credit Union World+ Travel Visa Signature is an obscure travel-related credit card. It’s notable for including Priority Pass and Global Entry reimbursements for an unusually low annual fee. It also has perks which rival Visa Infinite cards.

Provident is a California-based credit union with semi-limited membership. They launched this card in 2018.

FEATURES AT A GLANCE

  • $45 annual fee (waived the first year)
  • No foreign transaction fees
  • 2x points on travel (including hotels, rideshare, and public transportation)
  • 2x points on dining (including restaurants and coffee shops)
  • 1x points on everything else
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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Review: U.S. Bank Altitude Connect

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The U.S. Bank Altitude Connect is a travel-focused Visa Signature credit card with a low annual fee. It earns a relatively high cash back rate on travel and gas expenses. It’s also good for streaming-related expenses. However, most people will be better off with the Altitude Go (no fee) or Altitude Reserve (high fee).

Update, March 2024: U.S. Bank announced that a number of changes are coming to this card on September 9th, 2024. Changes include: removing the $95 annual fee, lowering the value of points by 20% when not redeemed for travel, removing cell phone insurance, and removing the $30 annual streaming credit. The card will still earn 4x points on travel and gas, which actually makes things interesting despite the negative changes. The Altitude Connect will become roughly equivalent to the best no-fee travel card, the Penfed Pathfinder Rewards, if not better (since it keeps Priority Pass and Global Entry). We’ll update our review of the Altitude Connect when its changes take effect, and re-evaluate its value.

Our review from 2022 remains below:

FEATURES AT A GLANCE

  • $95 annual fee (waived for the first year, and will be eliminated on 9/9/24)
  • No foreign transaction fees
  • 5x points on hotels and car rentals (booked through U.S. Bank)
  • 4x points on all other travel
  • 4x points on gas (and electric vehicle charging stations) (will become limited to your first $1,000 each quarter)
  • 2x points on grocery (including delivery)
  • 2x points on dining
  • 2x points on streaming
  • 1x points on everything else
  • $30 annual streaming credit
  • $100 credit towards Global Entry or TSA PreCheck (once every 4 years)

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Review: U.S. Bank Altitude Go

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The U.S. Bank Altitude Go is a Visa Signature credit card best used for dining and streaming purchases. It’s arguably the best no-fee card for both categories, and unquestionably in the top 5. If you don’t live near a bank location, there’s also a close yet slightly worse alternative: the Elan Everyday Rewards+ Visa Signature.

FEATURES AT A GLANCE

  • No annual fee
  • No foreign transaction fees
  • 4x points on dining (including delivery and takeout)
  • 2x points on groceries (including delivery)
  • 2x points on streaming
  • 2x points on gas (and electric vehicle charging stations)
  • 1x points on everything else
  • $15 annual streaming credit

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Review: Chase Sapphire Preferred

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The Chase Sapphire Preferred (CSP) Visa Signature is a mid-tier credit card which earns cash back on multiple categories. It was refreshed around early 2022 to add new perks and ways to earn more points. CSP has a low annual fee and may appear more attractive than the Chase Sapphire Reserve (CSR). It does however share some features with no-fee cards like the Chase Freedom Flex, making the value uncertain.

FEATURES AT A GLANCE

  • $95 annual fee
  • No foreign transaction fees
  • 5x points on travel purchased through Chase Ultimate Rewards (flights, hotels, car rentals)
  • 3x points on dining/restaurants, including delivery and takeout
  • 3x points on select streaming
  • 3x points on online grocery purchases
  • 2x points on travel
  • 1x points on everything else
  • $50 annual hotel credit

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