What is visa signature?

[Gregory1776]

PenFed CU has their 2% back card labeled on their website as Visa Signiture, but my card doesn't have it... What is it, and how do you get it?

[AverageJoesCredit]

Maybe the thing Visa uses to solicite credit users?

Lol, i believe your card needs to have a minimum 5k in credit limit to be considered a Visa siggy

[Anonymous]

It means you have to sign in person so no online transactions.

[Gunnar419]

It's just a Visa with added benefits.

https://usa.visa.com/content_library/modal/signature-benefits.html

Usually you do have to have a CL over $5k, but I had a Visa with a $12k CL that's not a siggy and others here have reported CLs below $5k that are siggies.

[longtimelurker]

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@Anonymous wrote:
It means you have to sign in person so no online transactions.

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In the same way World Mastercard means it is restricted to transactions on Earth, not accepted in the space station for example.

[DeeBee78]

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@Gunnar419 wrote:

It's just a Visa with added benefits.

https://usa.visa.com/content_library/modal/signature-benefits.html

Usually you do have to have a CL over $5k, but I had a Visa with a $12k CL that's not a siggy and others here have reported CLs below $5k that are siggies.

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Some cards just aren't offered in a Signature version, like Blispay or Chevron Visa. It's cheaper for the issuer to offer them as Visa Classic or Visa Platinum tiers. 

The only card I know of offhand that starts as a Visa Signature less than $5K credit lines is the Amazon Visa issued by Chase. I've seen those as low as $500. You can also reallocate limits with some lenders, taking a card's limit below $5K and retaining the Visa Signature status. 

[Anonymous]

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@longtimelurker wrote:

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@Anonymous wrote:
It means you have to sign in person so no online transactions.

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In the same way World Mastercard means it is restricted to transactions on Earth, not accepted in the space station for example.

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Last time I was there, the Space Station only take Discover.

[AverageJoesCredit]

But due to location, cli only happens if you see Haley's Comet

[UpperNwGuy]

In my experience, Visa Signature is mostly a prestige thing.  I have four such cards, and I have never used any of the "benefits" unique to Visa Signature.  The important stuff is the rewards program, and that's controlled by the card issuer, not by Visa.

[Anonymous]

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@Anonymous wrote:

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@longtimelurker wrote:

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@Anonymous wrote:
It means you have to sign in person so no online transactions.

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In the same way World Mastercard means it is restricted to transactions on Earth, not accepted in the space station for example.

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Last time I was there, the Space Station only take Discover.

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Interesting, I had no trouble using my NASA Visa when i was last there.