Best Credit Card for Visa in 2024

In 2024, Visa business credit cards are becoming an integral part of financial management for companies of all sizes. Not only do they help build credit history, but they also keep personal and business finances separate, which is critical for business stability. With higher credit limits, the ability to issue cards to employees, and detailed reporting, these cards offer numerous benefits, including fraud protection and the accumulation of points and rewards. Let's discover all about international rates and take a look at the key benefits of Visa business credit cards that make them the perfect choice for modern businesses.

Importance of Business Credit Cards

Build credit history

By using this tool regularly and being on time with payments, your company begins to build a solid credit history that grows over time. It can even help you if you are looking to apply for credit in the future.

Separate personal and business finances

To keep your finances stable, you have the opportunity to avoid mixing personal and business finances. Having a corporate credit card is the most viable option to keep control of your movements.

Better conditions

While a personal credit card is focused on consumer spending habits, which for many businesses means having a credit limit that is simply not enough, business credit cards are designed specifically for business use, where spending limits are much higher.

Cards for employees

Having a business credit card means that you also have the ability to get additional cards for your employees. These can be physical or virtual, and in both cases, you can set a limit for each of them.

Expense management and budget control

Corporate credit cards enable companies to better manage their finances by allowing them to track expenses in detail and keep business and personal expenses separate. In addition, organizations can set spending limits to control expenses.

Corporate credit cards help simplify the account reconciliation process, which reduces time spent on accounting and reporting.

Fraud protection

Corporate credit cards also offer protection against fraud and identity theft, which is important for protecting company financial information. Banking institutions must put security measures in place to ensure that transactions are secure and protect against fraud.

Detailed reporting

Another advantage is access to detailed expense reports where you can filter by various properties, such as users, equipment, type of expense, etc. These reports help companies manage the use of their finances and make decisions with real-time data. They can also be useful for tax filing and business accounting.

Point accumulation and reward

Many corporate credit cards offer travel return protection, rewards programs, cash back, and bonus discounts on online purchases. Not only does this help companies save money on travel and shopping services, but it can also be an effective way to motivate employees and increase job satisfaction. Sometimes it is possible to access customized rewards programs, which can include discounts on business purchases, access to exclusive events, and other benefits.

Business Credit Cards for Visa

Discover the benefits of your Visa Corporate Credit Card:

• CHIP Technology: Provides you with greater security, minimizing fraud and misuse of your cards. Now, instead of swiping your card to make a purchase, you will have to insert the card into the POS terminal while the transaction is being made. Confirm your purchase as usual with your secret PIN code, achieving greater prime-term security and peace of mind with your purchase.
• Contactless Chip Technology: Allows you to make your purchases with cards just by bringing them close to the POS, protecting your transactions easily against fraud and cloning, without swiping or inserting them. Just wait for the green light to turn on and your purchase will be successfully completed.
• Broad National Coverage: It can be used by merchants adhering to the Visa network, and you will be able to make cash advances in branches and ATMs. You can also make your advances in up to 48 installments, through our branches, or, if you prefer, you can do it at ATMs in 4, 6, 12, 18, or 24 installments.
• Flexibility in consumption: When making purchases with your Visa Cards, you can pay up to 35 days later without interest, depending on the date of purchase, and without interest if you pay before the due date or payment date of your account statement.
• Purchase in installments: Make your purchases in 3 interest-free installments at participating establishments and from 2 to 48 fixed installments.
• Order in your accounts: Save time for recurring centralized payments such as Commercial Patents, Contributions, Income Tax and Traffic Permits, and general expenses (electricity, water, telephone, etc.).

Let’s summarize the benefits for your company with a Visa business card:

• Visa offers global acceptance, robust security features, and extensive customer support. According to Visa's latest financial reports, the company's current revenue (TTM) is $34.14 billion, reflecting its strong market presence and financial stability.
• Up to 45 days of interest-free financing for purchases that are deferred to one month and paid no later than the payment deadline indicated on the monthly statement.
• The authorized overage is 20%.
• To evolve is also to be committed to the environment. Therefore, while we are using up inventories, some of our cards will not have the new image.
• The card has a credit limit that varies between annual USD500,000 and USD850,000,000.
• Term up to 36 months for domestic purchases.
• GMF is charged for the use of the card in accordance with current regulations.