You also get the benefit of receiving dividend income from owning visa stock, while you would likely need to spend some amount of money to keep your bitcoin investment secure
From a pure finance point of view, you will have to look at both dividend receipt and capital appreciation to get the total return.
Return on capital is how you should judge which investment has fared better.
Usually, if 2 companies have the same RoE, the Company with lower dividend payouts would be more tax efficient. In most jurisdictions, long term capital gains attracts lower tax than dividends.