Do you hold a regular Visa credit card or a Visa Signature credit card? If you don't already know, there are some differences between them in terms of what perks they have to offer to cardholders.

Cut to the chase, a Visa Signature credit card offers more exclusive benefits and premium rewards. Also, Visa Signature credit cards are usually only offered to customers with excellent or at least good credit. Keep in mind different financial institutions may impose different criteria when it comes to deciding whether or not one is qualified to obtain a Visa Signature credit card.

While a regular Visa credit card offer benefits the likes of rental car insurance, roadside assistance, emergency card replacement and emergency cash disbursement, a Visa Signature credit card throws in additional perks such as extended warranty, price protection, travel and emergency assistance, rental car privileges, exclusive concierge service, luxury hotel perks, hotel theft protection, cell phone protection, zero liability protection, a host of merchant deals and more.

What's more, those who travel regularly will stand to benefit from extra protection like lost luggage reimbursement, trip delay reimbursement, emergency medical or dental coverage, Global Entry statement credit, airline incidental fees, trip interruption/ trip cancellation reimbursement, Priority Pass lounge access, complimentary travel accident insurance and more. Your Visa Signature card may even let you savor award-winning handcrafted wines year-round at Sonoma wine country or save on golf fees and merchandise.

These benefits can be really valuable especially if you consider they are extended to you at practically no extra cost (save for select pay-per-use services), regardless of whether you are on your dream vacation overseas or going about your everyday life in the United States.

To find out the exact assortment of benefits you have access to, be sure to check with your Visa Signature card issuer to learn more about the specific perks your card offers!

Denise Bay is a staff writer at Email: