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VISAVisa SignatureBy invitation only

Upgrade OneCard Essentials

Annual Fee
$0
Source: Issuer Page
Top Rate
3%

Terms checked against the issuer on October 10, 2026

At a Glance

Annual Fee
$0
Foreign Transaction Fee
3%
Network
Visa Signature
Rewards Currency
Cash
Point Valuation
1¢ (cash back)
Credit Required
Good

Earning Rates

  1. 3%

    Gas Stations

    3% unlimited cash back on gas: service stations, EV charging and more (excluding Target and Walmart)

  2. 3%

    Electric Vehicle Charging

    3% unlimited cash back on gas: service stations, EV charging and more (excluding Target and Walmart) (EV charging row: same tier as gas, per the issuer's wording)

  3. 3%

    Grocery Stores

    3% unlimited cash back on groceries: supermarkets, specialty markets and convenience stores (excluding Target and Walmart)

  4. 3%

    Streaming

    3% unlimited cash back on streaming and monthly subscriptions: Netflix, Spotify, AT&T and more

  5. 3%

    Utilities

    3% unlimited cash back on utilities: power, phone and internet bills

  6. 1%

    All Other

    1% cash back on everything else, with no limits

Benefits & Perks

Insurance & Protections

2 protections

  1. 24/7 worldwide travel and emergency assistance

    Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.

  2. 24/7 roadside dispatch assistance (pay-per-use)

    24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.

Reviews & Analysis

Details & Terms

Payment Terms

Purchase APR19.99%–29.99% (Variable)
Cash Advance APR19.99%–29.99% (Variable)
Foreign Transaction Fee3%

Media & Resources

Evidence Sources

SourceCitation
RewardsCC APIRewardsCC API
Issuer PageIssuer Page

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Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.