VISA Credit Cards Applications     Are you tired of outdated credit card offers? Do you have 3 junk-mails a day, trying to sell you high APR visa cards? Browse this directory for the freshest VISA cards offered in the US. No annual fee, Low APR VISA cards, or high credit limit visa cards are also listed here, with the newest offers on the web! We update our directory every day, so you will never be disappointed and will be back if you need to browse through the latest visa card offers. All these VISA cards offer under 60 minutes credit decision through a secure form! Blue from American Express® APR:0%   The Membership Rewards Express® program Earn Membership Rewards® points for your everyday purchases, and enjoy fast and easy ways to earn and redeem so you can get the rewards you want now.1 Terms and Conditions for the Membership Rewards Express®, program apply. Visit membershiprewards.com/terms for more information. Participating partners and available rewards are subject to change without notice. Rewards Program Membership Rewards Express® program Payment Options Flexibility to pay charges over time Annual Fee No annual fee APR on Purchases 0% for 6 months, then as low as Prime Rate + 11.99% Earn Points Earn 1 point for every eligible dollar spent, 2X points when booking online travel through American Express, 3X points on Bonus Points Mall and up to 10x points with select partners. Terms and Conditions for the Membership Rewards Express®, program apply. Visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276) for more information. Participating partners and available rewards are subject to change without notice. To be eligible to earn double points, you must be enrolled in the Membership Rewards® program ('Program') at the time of purchase and you must charge your air, Lowest Rates Guaranteed hotel, Complete Trip (flight + hotel packages), American Express Vacations package and cruise reservations on an eligible, enrolled American Express® Card through www.americanexpress.com/travel. Any portion of a charge that you elect to pay through redemption of Membership Rewards points is not eligible to earn points. Bonus ID 3218 (Air, Hotel, and Complete Trip); Bonus ID 5432 (Cruise); Bonus ID 3738 (Amer ican Express Vacations Packages). Bonus points will be credited to your program account 10-12 weeks after final payment has been made. Some American Express Cards are not eligible for enrollment in the program. Terms and Conditions for the Membership Rewards program apply. For more information on the Membership Rewards program, visit membershiprewards.com/terms or call 1-800-AXP-EARN (297-3276). Participating partners and available rewards are subject to change without notice. To be eligible to earn bonus points in the Bonus Points Mall® website, you must be a U.S. Cardmember and enrolled in the Membership Rewards® program at the time of purchase and you must charge your qualifying purchase through the Bonus Points Mall website (bonuspointsmall.com) on an eligible, enrolled American Express® Card. Bonus points are awarded for all qualifying transactions at participating merchants through the Bonus Points Mall website. Participating merchants are subject to change without notice. Additional terms and conditio ns apply and appear on the Bonus Points Mall website (bonuspointsmall.com). Bonus points will be credited to your Program account within 6-8 weeks after charges appear on your billing statement. Bonus ID: 1935. Get Rewards Rewards start at just 1,000 points, and you can choose from travel, gift cards, cash, merchandise and entertainment options from over 500 leading brands. You can also travel any airline, anytime with no blackout dates when you book online through the American Express Travel Site. Freedom and Flexibility Blue comes with no annual fee, flexibility to pay over time, 0% APR for 6 months and exceptional protection to meet your travel and purchasing needs.  Apply for Blue from American Express® Visa Credit Cards Use your VISA credit card wisely Pay your VISA credit card bills on time. This is the single most important thing you can do to preserve and enhance your credit rating. Always pay at least your minimum payment and allow time for your payment to reach the company if you are using the mail. If possible, pay off your balance in full each month. If this is not possible, then make as large a payment as you can comfortably afford. Paying off or paying down your balance is a sound financial move—one that will save you money on interest charges. If you can’t pay off your balance in full, then slow down on your credit card use for the next while. Take time to step back and have a careful look at how much you earn and how much you spend each month. A little budgeting can save you big money down the road. Check your statement carefully each month. Review your statement carefully. Do all the charges look correct? Have any required credits been applied? Are there any unusual or unexpected charges? Your credit card company will correct legitimate errors, but only if you bring them to their attention in a timely manner before you pay your bill. Transfer your balance to a card with a lower interest rate. If you have two or more credit cards with outstanding balances, consider moving the outstanding balances to the card with the lowest interest rate. You will save money each month and simplify your record keeping by receiving only one bill. Negotiate for a lower rate with your credit card company. If you have a good credit history, you are a valuable asset to your credit card company. Call them and seek ways to lower your interest rate. This is often possible, but never advertised. If the interest rate you are currently paying is very high, imply you may cancel the card and go with a competitor unless they adjust your rate downward. It doesn’t hurt to ask, and you may be surprised at the results. Protect yourself against fraud While VISA credit card fraud is a problem, here are a few simple steps you can take to greatly reduce the risk of becoming a victim. Tips: Sign new VISA cards immediately. When you receive your new or replacement card in the mail, sign it, in ink, right away. If it is a replacement card, destroy the old card by cutting it into many small pieces. Shred old credit card receipts. You can purchase an inexpensive paper shredder at an office supply store. All old receipts with your credit card number and any unneeded documents with your social insurance number or other sensitive personal information should be shredded before disposal. This prevents the common practice of criminals going through the trash to find receipts and stealing your identity Never fax your VISA credit card number. Your credit card number can lie for hours in the fax basket at the other end. Anyone passing by can record your number and begin to use your card number fraudulently. It is even possible for criminals to intercept your credit card number while the fax is in transmission. Use caution when giving your credit card number out on the phone or on the Internet. Only give out your credit card number on telephone calls you initiate to business or organizations you trust. Never give your number out to callers who call unannounced, no matter how legitimate the call sounds. On the Internet, look for an Internet address that begins https:\\. The “s” indicates that it is a secure connection and a small padlock symbol should appear in the bottom right hand corner of your screen, indicating it is safe to transmit your credit card number. Call your credit card company instantly if you suspect trouble. All credit card companies have 24 hour lost and stolen help lines. If you lose your wallet or purse or have it stolen, call without delay! Much fraud happens within the first hour or two, before the victim realizes the cards are missing. Your credit card company will block your cards from being used and stop you from being responsible for any charges thieves incur.