Redeem now Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
- Visa Signature credit cards, like the Chase Sapphire Preferred® Card, come with valuable benefits.
- These include perks at luxury hotels, secondary car rental insurance, and a 24/7 concierge service.
- Some issuers offer optional perks on certain cards, which you can find in your guide to benefits.
- Read Insider's guide to the best rewards credit cards.
- Please note: While the offers mentioned below are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
If you're carrying a Visa card in your wallet, chances are you haven't spent time scrutinizing Visa's benefits. I hadn't until I noticed the word "Signature" below Visa on my Chase Sapphire Preferred® Card. While I assumed that I could thank Chase for most of the perks, it turns out that Visa deserves some of my appreciation, too.
Visa Signature is the middle tier of Visa cards. Cards with this branding offer more perks than standard Visa cards and most likely carry a higher credit limit, too. However, they aren't as powerful as the top-of-the-line Visa Infinite, which is comparable to Mastercard's World Elite program.
Visa Signature card benefits
Visa Signature Luxury Hotel Collection
To take advantage of one of the most valuable pieces of the Visa Signature program, you'll have to leave home. If you have a card with the Signature branding, you have access to great perks when you book a room in the Visa Signature Luxury Hotel Collection.
There are more than 900 properties in the collection including stand-out hotels like The Peninsula in Chicago, the Faena on South Beach in Miami, and the Waldorf Astoria Beverly Hills. Here's what you'll get as a Luxury Hotel Collection guest:
- Automatic room upgrade when available
- Complimentary Wi-Fi
- Complimentary breakfast for two
- $25 food and beverage credit
- VIP guest status
The complimentary breakfast for two is the sweet spot here, because a morning meal at luxury properties can wind up adding a hefty tab to your bill. And if you aren't sure of where you want to go, the website's directory of special offers can point you toward where you can stretch your dollars with a full rundown of current dining credits available, third-night-free promotions, and other discounts.
Other Visa Signature travel perks and protections
Regardless of where you wind up staying on your getaway, a Visa spokesperson confirmed that all Visa Signature cards come with these standard features.
Secondary car rental insurance
You can skip the hassle of dealing with your own auto insurance or paying for coverage at the rental counter. Visa Signature cards will provide reimbursement for damage from collision or theft on most rental cars. Pay extra attention to the "most" disclaimer, though. A lot of Signature cards — including the Chase Sapphire Preferred® Card — exclude exotic cars. If you want those protected, you will want a card with the Visa Infinite insignia, like the Chase Sapphire Reserve®, which offers coverage up to $75,000.
Concierge service
Whether you're looking to score tickets to a Broadway performance (when those lights shine again), send a gift to someone, or make reservations at a restaurant, Visa Signature cards offer access to a 24/7 concierge service. The number is 800-953-7392.
Roadside dispatch
Signature cards come with access to emergency roadside assistance, towing, and locksmith services. It's important to note, though, that you'll likely need to pay for these services. Being a member of AAA may be a more convenient and cost-effective option in these worst-case scenarios.
Travel and emergency assistance services
If you're traveling and need help, you can call the Visa Signature center at 800-992-6029 for emergency translation services, legal referral, prescription assistance, and a range of needs. Keep in mind any third-party costs incurred are still the cardholder's responsibility.
Extended warranty protection
Even if you are just traveling to the mall, using your Visa Signature card can make a difference. If you use it for a product that comes with a manufacturer's warranty, the card will extend the duration of that warranty by up to an extra year.
Optional Visa Signature benefits
There is a long list of other features that might be included in your card, but Visa doesn't guarantee any of these. Instead, they're up to your bank. Here's a general rule: If you're paying an annual fee, you're likely to receive more of these benefits:
- Travel accident insurance
- Trip delay reimbursement
- Trip cancellation and interruption reimbursement
- Reimbursement if your luggage is lost
- Statement credit for the Global Entry program application fee
- Baggage delay reimbursement
- Priority Pass airport lounge access
- Access to winery events in California's Sonoma County
- Insurance for items stolen from your hotel room
- Cell phone insurance
- Emergency medical and dental expenses up to $2,500
- Emergency evacuation services up to $10,000
Keep a lookout for news from Visa in 2021 — the company has plans to add some extra benefits to Visa Signature cards this year.
The final sign-off on your card's benefits comes from your bank
While Visa Signature can deliver meaningful value, the bank that issues the card has the final say in each card's benefits and pricing.
David McMillin David McMillin has written about credit cards, mortgages, banking, taxes, and travel for the past 10 years. His goal is simple: help readers figure out how to minimize fees and maximize rewards. In addition to writing for Business Insider, Bankrate, and The Points Guy, David is a musician, which means he has spent way too much time stressing about money. He applies the lessons he's learned from budgeting and sign-up bonuses to offer practical advice for personal finance decisions. David is based in Chicago. When travel returns to normal levels, he needs to visit four more states – Alaska, Utah, Oklahoma, and Vermont – to check all 50 off his list. Read more Read less
Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
**Enrollment required.
ncG1vNJzZmivp6x7o8HSoqWeq6Oeu7S1w56pZ5ufonyxsdGspqeZnGKzqrrAp5qeZ6aewKJ50qKep5mkqr%2BmecKrnJ2hpGKwor7DrGSbnZ6as6rA0mannqqbqA%3D%3D