Credit Cards Credit Card Reviews

Nissan Visa Signature Card Review

overall rating
2.4

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If you’re a loyal Nissan or Infiniti driver, you may consider getting the Nissan Visa Signature Card to take advantage of its special financing and rewards. However, there are limitations on what you can do with your rewards, which can make it challenging to cash in on those benefits.

Nissan Visa Signature® Card

Overall Rating
2.4
Nissan Visa Signature® Card
On Synchrony Bank's Secured Site.
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.24% - 23.24% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points per $1 at Nissan or Infiniti retailers and on gas, earn 3 points per $1 for dining, earn 1 point per $1 everywhere Visa is accepted.
Foreign transaction fee (%) 3%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

The Nissan Visa Signature Card is not one of our top-rated rewards credit cards. You can review our list of the best rewards credit cards for what we think are better options.

Full Review of Nissan Visa Signature Card

Pros
  • High rewards rates on gas and dining

  • Offers some redemption flexibility with cash back

  • Special financing for eligible large purchases

Cons
  • Low cash-back redemption rate

  • Low base rewards rate

  • Special financing isn’t automatic

Pros Explained

  • High Rewards Rates on Gas and Dining: Some of the best credit cards for gas purchases offer just 3% or 4% back. With this card, however, you’ll earn 5 points per dollar, which essentially gives you a 5% rate if you redeem your points on eligible Nissan or Infiniti purchases. You’ll also receive 3 points per dollar on dining purchases at restaurants, which isn’t the best dining rewards rate available in the card market, but it’s close. 
  • Offers Some Redemption Flexibility With Cash Back: While the card is geared toward using your points for Nissan and Infiniti purchases, you do have the option to redeem them for cash back in the form of a statement credit instead. However, your points won’t be worth as much if you use them that way.
  • Special Financing for Eligible Large Purchases: If you use your card to make a qualifying purchase of $499 or more at participating dealers, you’ll get special financing for 12 months, which could potentially save you money on interest. However, you’ll need to speak with an associate at the dealer to get the full details of the promotion, including the current rate and what happens if you don’t pay off the balance in full before the 12-month period ends. 

Cons Explained

  • Low Cash-Back Redemption Rate: While you can use your points to get a statement credit, they’re only worth 0.5 cents apiece when you redeem this way. So if you have 20,000 points, they’re worth just $100, which is half of what you’d get if you redeemed with Nissan or Infiniti. Also, statement credits are capped at $300 per year, which limits your redemption options if you’re a big spender. In contrast, cash-back credit cards generally give you a better redemption rate and won’t limit how much you can redeem.
  • Low Base Rewards Rate: The card offers bonus rewards on certain categories, but many of your purchases will earn only 1 point per dollar. That’s just a 0.5% rewards rate if you plan to use your rewards to get cash back. If you want more rewards on your everyday spending, consider getting a card that offers 1.5% or 2% back on all of your purchases.
  • Special Financing Isn’t Automatic: The card’s special financing promotion, which lasts through Jan. 31, 2021, could potentially save you money on large purchases. However, the promotion is only available at participating dealerships and on certain purchases. What’s more, it's subject to credit approval, which implies that you’ll need to undergo another credit check to qualify. Credit cards that offer an introductory 0% APR promotion provide the details upfront, have fewer limitations, and don’t require an additional credit check beyond the one the card issuer performs when you apply.

This Card is Best For

  • Avatar for Annual Fee Averse Persona
    Resists or refuses an annual fee on principle or due to cost
    Annual Fee Averse
  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist

The Nissan Visa Signature Card may be worth considering if you’re a loyal Nissan or Infiniti customer and you regularly replace, service, or accessorize your vehicles at the dealership. The card’s high rewards rates on Nissan and Infiniti purchases and on gas can provide a lot of value in that case.

However, if you use the card to get cash back, you’ll reduce your rewards rate by half—that means 2.5% cash back on gas and at Nissan and Infiniti purchases, 1.5% back on dining, and 0.5% back on everything else. With that in mind, you’ll get a lot more value with other cash-back rewards cards. 

This card may also be worth considering for its special financing. But because of the limitations and lack of a guarantee that you’ll actually qualify, you may be better off with a 0% APR credit card instead.

Rewards Earning Details

The Nissan Visa Signature Card offers 5 points per dollar at Nissan and Infiniti dealers, and on gas, 3 points per dollar on dining, and 1 point per dollar on everything else. Once you’ve earned points with the card, they’ll be posted to your account within 30 days.

Note, however, that if you take advantage of the card’s special financing, you won’t get rewards points on those purchases. 

Rewards Redemption Details

There are two ways to redeem your rewards with this card. The more flexible option—but also the less valuable one—is cash back in the form of a statement credit. If you do this, your points are worth half a cent apiece, and you can only get up to $300 annually with this redemption option.

The better option is if you use your points to get a discount with Nissan or Infiniti. Points are worth one cent each when redeemed that way, and eligible redemptions include:

  • Purchase or lease of a new, certified pre-owned, or used Nissan or Infiniti vehicle
  • Parts
  • Service
  • Accessories

Although you will get more value with this option, you’ll most likely have fewer opportunities to use your rewards this way. Even if you lease your vehicle, you probably only swap your car for a new one every few years. And while getting your vehicle serviced occurs more often, it’s still not as flexible as the option to redeem your rewards for cash back, which you can use anytime and for anything.

How to Maximize Your Rewards

The best way to maximize your rewards is to use them only for the Nissan and Infiniti purchases that qualify for the one-cent-per-point redemption rate. Also, if you have multiple credit cards, make sure to use this one for its bonus categories if that earning rate exceeds what you’d get from your other cards. Because the card’s base rewards rate is just 1 point per dollar, it may be a good idea to pair it with a card that earns a higher rate on all of your other purchases to maximize your rewards overall. 

Standard Benefits

  • Auto rental collision damage waiver
  • Roadside dispatch
  • Emergency card replacement and emergency cash disbursement
  • Warranty manager service
  • Travel and emergency assistance 
  • Visa Signature concierge

Cardholder Experience

Synchrony Bank, which issues the Nissan Visa Signature Card, ranked tenth out of 11 national card issuers in J.D. Power’s 2019 U.S. Credit Card Satisfaction Study. The only national card issuer with a lower customer satisfaction score was Credit One Bank.

As a cardholder, you can contact the bank’s customer service team between 8 a.m. and 12 a.m. Eastern time, Monday through Friday. Most other major card issuers provide 24/7 customer service. You’ll also get access to your VantageScore credit score. However, many other major card issuers provide access to your FICO credit score, which is more widely used by lenders. 

You can manage your account online, but there’s no mobile app available for the card.

Security Features

Synchrony Bank provides the standard security features typical for major credit card issuers.

Fees to Watch Out For

For the most part, this card’s fees are typical for a credit card. One exception is that it doesn’t charge a balance transfer fee. However, there is no interest rate promotion on balance transfers, so you’ll pay your card’s regular APR on them.

Our Verdict

The Nissan Visa Signature Card looks good on the surface, with its high rewards rate on gas and dining. But because its rewards program is geared toward incentivizing purchases with Nissan and Infiniti, which generally don’t occur regularly, the card offers less flexibility than most rewards credit cards.

Even if you do spend a lot with those car brands, you may still get more value from a rewards credit card that offers better rewards on everyday purchases and more flexibility in how you can redeem them.

Apply Now
For Nissan Visa Signature® Card
on Synchrony Bank's Secured Site.
Compare This Card
See how this card compares to similar cards
CURRENT CARD
Nissan Visa Signature® Card
overall rating
2.4
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.24% - 23.24% variable
Annual Fee $0
Rewards Earning Rate Earn 5 points per $1 at Nissan or Infiniti retailers and on gas, earn 3 points per $1 for dining, earn 1 point per $1 everywhere Visa is accepted.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.