Requirements for a Visa Signature Card

A scattered stack of Visa credit cards.
Image Credit: Justin Sullivan/Getty Images News/GettyImages

The Visa Signature card isn't just one credit card, but a series of them that all offer additional benefits and perks. Visa does not issue its own credit cards. The cards that bear the Visa Signature logo come from third-party issuers like banks, credit unions and retailers. The requirements to get a Visa Signature card vary depending on the card issuer.

Issuers

As of May 2015, several financial institutions offered Visa Signature credit cards. Among them were:

  • Capital One
  • U.S. Bank
  • Barclays
  • Navy Federal
  • Sovereign Bank
  • Fidelity
  • BBVA
  • Nordstrom
  • State Farm

Credit Requirements

Because the Visa Signature cards offer premium benefits, it typically takes an above average credit score to open one. For example, the Capital One Venture One card requires an average score of 696, according to Credit Karma. Additionally, applicants must not be more than 60 days late on any bills. They must have never filed bankruptcy, and must have had another credit line of at least $5,000 for at least three months.

Credit card issuers don't reveal the minimum income requirements. Some allow you to use household income rather than just personal income. For example, U.S. Bank allows applicants who are 21 years and older to include other income they have access to such as spousal income, rental income, Social Security payments or retirement benefits.

Tip

To apply for a Visa Signature card, like other credit cards, you'll need to provide your personal information including Social Security number, date of birth and current address.

Card Perks

The exact benefits of a Visa Signature card will vary depending on the card's issuer, but most cards include:

  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Roadside assistance
  • Travel emergency services
  • Travel accident insurance
  • Zero liability for unauthorized purchases
  • Extended product warranties
  • Year-end summary statements

Tip

To have access to these benefits, you typically have to use the Visa Signature card for that particular purchase. For example, to get the lost luggage reimbursement, you must book your airline tickets with your Visa.

Visa Signature cardholders also get additional savings, special promotions and travel deals like:

  • Access to Visa Signature Hotel Collection
  • Cruise discounts on lines like Princess and Royal Caribbean
  • A discount on a CLEAR membership, which allows you to get through airport security quicker
  • Savings from Limolink, a premier transportation and chauffeur service

Along with travel benefits, a Visa Signature card can lead to access to sporting events, concerts and other experiences like wine tastings, city and attraction tours, and concert VIP events.

To access Visa Signature benefits, call the customer service number on the back of the card, visit the Visa Signature website or call Visa Customer Assistance at 1-800-847-2911.

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