Virgin America

I need recommendations for a good Visa Signature credit card

Usually I’m the one offering the advice, but I’ve been having a hard time finding a good Visa Signature card. I do 99% of my transactions on my American Express, which I love. But I also need a Visa card for those times when a merchant doesn’t take Amex.

For the past few months I’ve been using the Virgin America Visa card, but I’ve been incredibly disappointed with it. Do not get this card.

These are my requirements:

  • Visa Signature (It offers some cool benefits. See here)
  • No annual fee
  • Compatible with (the Virgin card isn’t!!)
  • 24/7 customer support, preferably in the US (the Virgin card is M-F 9-5 and routed to the Philippines)

Maybe I’m spoiled by the great customer service I get with American Express. But I don’t think I’m asking too much from my credit card to be able to talk to a representative who can speak English well.

Right now I need to dispute a charge that I don’t recognize, and it’s crazy that I can’t reach someone who can help me.

Update: So it seems like most “no fee” cards have dropped Visa Signature since it costs them more to offer that service. (Yet another example of companies cutting corners everywhere they can).

The only free Visa Signature cards left are:

Virgin America – Don’t do it. Worst customer service imaginable
Hilton Honors – I don’t want Hilton points. Maybe ok for others
Fidelity card – Seems good, deposits cash back into your fidelity account
Bank of America – I’m going with this one. Cash back goes directly into your checking account