Guide to Visa Gold

Apply for Visa Gold credit cards

By Sharon Moran

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Acquiring a Visa Gold credit card for your business has several advantages. One of them is the ability to make business purchases on your Visa Gold card that can easily be tracked on your monthly statement. This allows you to see all business expenses without worrying about bills that are forgotten or lost.

If your small business has several employees, you could simplify business expenses by giving your employees Visa Gold business credit cards.

Employees who travel can easily charge hotels and flights to the business credit card.
You can track business expenses more easily.
You can qualify for special perks based on how often you use your Visa Gold business credit card.

Action Steps
The best contacts and resources to help you get it done

Compare Visa Gold offers before you apply

The most important part of the process of comparing Visa Gold is reading the fine print because interest and fees vary widely between credit cards. The fine print will disclose this information. Apply for a Visa Gold credit card only if you are comfortable with the fine print, and apply for additional cards for your employees if you would like to make them authorized users.

I recommend: In order to qualify for a Visa Gold credit card, you'll most likely need to have a Visa Classic or standard card first. Visit Visa.com to compare credit cards and apply.

Get information about Visa Gold credit cards

Why should you choose Visa Gold over the hundreds or thousands of other credit card offers? A Visa Gold card typically carries a lower interest than a Visa Classic. Although the interest rate will be higher than platinum card holders, a Visa Gold card should have a reasonable interest rate. It also holds prestige.

I recommend: Go to the Gold Points Reward Network to find Visa Gold card perks. Go to banks that issue Visa Gold cards, such as American Savings Bank, and get information on the Visa Gold debit card.

Apply online for a Visa Gold credit card

Get a Visa Gold credit card online application from one of the authorized banks that provide Visa credit cards.

I recommend: Look on the Visa.com site for a list of authorized banks and apply for Visa Gold credit cards online. Issuers of Visa Gold credit cards include Bank of America, Chase and Wells Fargo.

Tips & Tactics
Helpful advice for making the most of this Guide

To maintain a good credit rating, try not to carry a very large balance on the credit card. A high balance will lower your credit rating and make it more difficult to establish other types of credit for your business.
Being one day late on your credit card payment often will result in a late fee and potentially higher interest rate on the card.
If you have had a Visa Gold card for quite some time, you won't need to fill out a Visa Gold credit card online application. Try to upgrade to a Platinum card. With a platinum card, you'll receive lower interest rates but possibly will be eligible for additional rewards.

The official source of Visa Gold is the Visa Gold page at Business.com

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