VISAVisa Signature
Universal Rewards Visa Signature®
- Annual Fee
- $0
- statement credit · Welcome Bonus
- $150
- Highest rate (conditional)
- Up to 2X (Universal)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $0
- Foreign Transaction Fee
- 3%
- Network
- Visa Signature
- Rewards Currency
- Universal Rewards
- Credit Required
- Good
Welcome Offer
Bonus: $150 statement credit
Spend: $250
Period: 3 months
Earning Rates
- 2X
Universal
2% Back in Rewards on Universal purchases
- 1X
All Other
1X Point Per Dollar Spent everywhere else
Benefits & Perks
Reviews & Analysis
The Math: Is $0 Worth It?
First-year value includes $150 welcome bonus
Welcome bonus$150
Annual credits (60% utilization)$0
Annual fee-$0
Net first-year value+$150
Credit Utilization (60%)
Annual credits$0
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Payment Terms
| Purchase APR | 21.24%–28.24% (Variable) |
| Cash Advance APR | 28.24% (Variable) |
| Foreign Transaction Fee | 3% |
Media & Resources
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
