How Do I Redeem My Points with Visa?

A good rewards program is a major selling point for a credit card. Visa has a number of credit cards with reward points for things like travel miles, gift cards or cash back rewards. How do you redeem your points with Visa? You can get information and help by calling Visa customer support here. Below are the steps to redeeming your Visa credit card reward points as well.

How to Redeem Visa Points

Redeeming your Visa reward points is easy. Just follow these steps:

1. Go to the web page of the financial institution that issued your Visa credit card.
2. Log into your account.
3. A link to open rewards should appear on your main account page. Click the rewards link.
4. Select "Rewards Balance" or "Points Balance" to see your total earned points. Each financial institution will have its own wording to navigate to the rewards page. When you click on the link, you will see the total Visa rewards points available. You may also see redemption history and any pending points to be credited to your account.
5. Choose how you wish to redeem your Visa points. Your options can include cash back, statement credits, gift cards, donations to a charity or travel rewards such as hotel nights or air miles.
6. Select the number of points you wish to redeem. You don't have to redeem all your points at once.
7. Click on "Redeem Points" or "Complete Transaction." Again, the phrasing may vary depending on the financial institution, but most use similar wording.
8. The redeemed points should be at once deducted from your Visa points balance. When you request the points be used toward your statement balance or a cash deposit, it could take up to one week for this to reflect on your Visa account. Gift cards can be sent to you electronically or via mail. If you opt for a physical gift card for your Visa points, it could take two to three weeks to arrive.
9. Enjoy your reward!

Points To Remember

When managing your Visa rewards account, here are some things to remember:

1. Most credit card account rewards points don't expire as long as your account is open and in good standing. Some do require you to make at least one qualifying purchase every 12 to 24 months.
2. If you are thinking of closing your Visa credit card account, cash out your rewards points before closing your card. Once the credit card account is closed, the points will go away.
3. Each financial institution that issues Visa credit cards may have its own limitations on rewards points and point redemption. Your financial institution may give bonus rewards for certain purchases or during certain events.

Shopping with your Visa card is not only convenient, but it can also generate a number of rewards as a thank you for being a customer. You can use your reward points for cash back, travel miles or hotel stays, donations, or gift cards. Whatever you choose, Visa customer service is here to help.