A lot of people think VISA and Mastercard are the same company, as their logos are often displayed alongside one another. They are, however, two distinct corporations – the two largest card networks in the world, in fact. You can read about the differences that exist between them in terms of secondary benefits like rental car insurance and extended warranties in our VISA vs. Mastercard guide. But the bottom line is that consumers shouldn’t care whether their card is on the VISA or Mastercard network since both boast nearly ubiquitous acceptance in 200+ countries. You should instead focus on finding the very best rewards, rates and fees, as that is what is actually going to affect your wallet the most. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.…show moreshow less
Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
Earn 2X miles on all purchases
Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
Get 5% miles back to use toward your next redemption, every time you redeem
Miles don't expire as long as your account is open, active and in good standing
No foreign transaction fees on anything you buy while in another country
0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.74%, 20.74% or 23.74%, based on your creditworthiness. Please note, there is a fee for balance transfers
I use my Mastercard online more than for in-person purchases, but I do love the flexibility of having it available if I don't have cash on hand. I feel extremely comfortable using it online, I've never had any issues with card security, but I did have a slight scare once as I thought my card information may have been stolen, I contacted my Mastercard provider and they sent me out a new one within days, very convenient and kind.…read more
I use my Visa for everything.Online, gas, groceries and in-between.I enjoy the ease of paying with my Visa. I use my Visa as both my debit card and a credit card.Visa is also accepted at just about every kind of store. I also have a few reward options that help out also from time to time. So I really do lke my Visa card and I dont think I would be switching anytime soon for a diffeent type of card.…read more
I use my Mastercard as both my debit card and my credit card and it's the only card I have. I think it's a wonderful card. I've never had any issues with it and I feel using it is secure. I use it almost daily for running my online business and for everything from shopping online to going out to dinner on the weekends. I like the ability to have a quick way to pay and have very little to carry. My bank also offers rebates for using my card at certain stores and that's a big incentive because it's earning cash back on things I would be buying anyway.…read more
I use my Mastrercard as I use a debit card. Credit cards are a little more secure than using a debit card. I'm not interested in buying on credit because of the high interest rate. My card happens to be a secure card, and my credit score has gone up quite a lot, I always pay thru my bank before I get a bill.
I use my Visa card literally every single day for various purchases. I use it on something as small as buying food at a to-go restaurant, or I may use it to buy textbooks at the college bookstore. The main reason I use my Visa card is because it is a great and simple way to build credit from scratch. I just pay off my balance at the end of the month by transferring money from my savings account against my Visa balance and it helps build credit. Also I prefer a card over cash any day. It's quicker and much less of a hassle.…read more
I use my Mastercard to make all of my every day purchases. It's so much more convenient than having to have cash, or write checks - not to mention I earn cash back so it's almost like I get "paid" to buy what I'm already buying. I also like that fact that I'm protected from fraud by paying with my credit card.
I use my mastercard rather than cash every day. It is easier than racking up ATM fees to have cash, and it makes tracking my spending easier as well. I feel better using it when purchasing expensive items, or when renting a car or buying airline tickets because of the ability to dispute charges if something goes wrong. If you pay cash, you don't have that ability. And of course it makes purchasing online possible. I also like if I purchase something online and it doesn't arrive, I can always dispute the charge and they will refund me what I spent.…read more
I use my visa card everyday. I use it at the gas station, to buy stuff at the store, in the drive thru and even to make purchases online. I don't like to carry cash on me so using my visa makes my life alot easier.
First of all we have to understand the fact that MasterCard and Visa do not issue credit cards. They make money by processing transactions between your point of purchase and your bank. They have nothing to do with your cash rewards, interest rates, late fees or customer service issues. It's all your bank that does.In a simple word i can define it as payment networks that connect merchant payment terminals with your bank’s credit card department. That's it. But if you ask me which one, i would say i am comfortable & good with VISA cards. I used to fly foreign countries very often especially India, middle east asia and europe. What i can find that it is VISA that most of the stores/business accept. This is an addtional point which I support VISA -MasterCard offers “Return Protection” on very few cards, whereas Visa Signature offers the service broadly. So go for VISA…read more
I usually use my Master Card every day for gas, groceries, hardware, computers, office supplies and most of all I use my credit card for internet purchases. The credi card helps buy things without worrying about carrying alot of cash with me.
I have a number of cards and of course a Mastercard and a Visa too. Which card I will use at the time depends on what store I am at. I like rebates and different cards have different deals depending on the store or product being purchased. For example, if I am buying gas for the car I would use my PenFed Visa since it has a 5% cash rebate for gas, but only 1% for other stuff. For the other things in life, like groceries, I use my Discover card or one of the others I have, whichever has the best rebate at the time.…read more
Visa handles everything I need for my daily purchases. Whether it's paying bills or just catching a bite to eat with some friends, the important thing is that I'm always confident in pulling it out that I'm secure when using it and that I know it will work. After stories of failed transactions or stolen information, this is exactly the card that I need and want. The rewards system doesn't hurt either.
The main reasons I use my Visa and MasterCard are for security during online transactions. Though I could use my bank account, I find that the security features available for my cards make them a smarter choice. Using them also generates rewards that benefit me later as well. There is nothing better than buying a gift for someone with my cards and earning something for myself in the bargain.
I use my Visa and MasterCard for several things. One of the things I love to do is shop online. When you buy things online of course you are going to need a credit card. Last Christmas I actually did all my shopping online at stores like Amazon, Ebay, Gap, Macy’s and Old Navy. My credit cards also have reward points so I love using them whenever I get gas. They usually give you more points if you use the card at a gas station.…read more
With the kinds of cards you can get these days, using a credit card is so much more than what it used to be. It's not just a matter of buying things you don't yet have the cash for - sometimes it's just for the convenience. So simple to use, and with the Capital One Visa credit card you get your reward points. I try to use it instead of cash as much as I can, because even if I have the cash, I can use it to repay the balance within a month and have an improved credit score.…read more
I like the Chase Freedom card. A card with 0% on balance transfers for 15 months could really help someone pay down higher interest cards. Think how much you'll save in interest. You'll make up for that balance transfer fee pretty fast!
It is very important to always have a master or visa card (I have a visa). Life is full of unexpected financial events and emergencies, and having my visa card gives me the peace of mind to know that I will be okay when faced with something like this. I really try to save my card for when I really need it, so that I will have a good credit balance available when the time comes. I use it every now and then for small purchases and pay it off so that it helps establish my credit. I also find that I have situations where I can only use a credit card as opposed to a debit card. I had to rent something recently, and they would only accept a credit card for me to be able to rent.…read more
I use my Capital One Visa credit card for many purchases, not just for emergencies. More recently, I wanted to purchase a TV that was on sale for a limited time at a local retailer. I didn't have enough cash right at the moment, but I was lucky that I had my Visa card. I was able to charge the TV on my credit card to get the sale price at the store. And the great part was that I built up more reward points on my credit card to use later. I couldn't have done that with cash! I paid my balance in full within only one month to help increase my credit score. If I were to apply for another credit card, I definitely would pick another one with great rewards and a 0% transfer rate, like the Capital One Quicksilver Cash Rewards Card.…read more
Credit cards are very useful tools to have around in your life. I use my Chase Freedom Visa card a lot, but I really use it during the holidays. Just this year alone, between September and December, I charged over $600.00 on it for gifts and decorations. I didn't mind using it because it was all for a good cause and I pay it back quickly.
When it isn't holiday season, I find myself using my Chase Visa when there is an emergency or if I am low on cash and need to get something. I don't use it all that often, but I always have it on me in case I don't have enough cash or I want to indulge. I had to use my card for a dental procedure one time. If I didn't have my visa card, I don't know what I would have done.
Overall, it is important to be responsible with any credit card you have. Using a credit card to charge things with no concern is not a good thing. Always remember to spend wisely and not get too out of control. If it is used the right way, credit is a wonderful thing.…read more
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