Credit Card Deals » Finance

Should I Apply Master Or Visa Credit Cards ?

admin — Mon, 23 Jun 2008 10:09:01 +0000

This question is almost as tough as deciding between Coke and Pepsi. Visa and Master card have been battling each other since the 1960s. however, it was American Express that really started the credit wars between the giants during the early 1960s…

Amex, as it fondly came to be known, quickly became the preferred card of choice for most credit card users across the world.

Visa Credit Cards

First known as Bank America when it was launched by the Bank of America in 1959, it was re-christened as Visa Credit Cards after almost two decades. Now, it is used by more than 21 thousand organizations around the world. In Europe, Visa has always been more popular than Master Credit Cards or Amex. Consider these statistics:

More than 5,000 organizations worldwide use the Visa Credit cards

Visa Europe has issued in excess of 100 million Visa credit cards

During the last year Visa Credit Cards Europe consumers spent more than 700 billion Euros

Of this amount, UK Visa Credit Cards users spent almost 130 billion Euros

To combat internet fraud, the Verified by Visa Credit Cards program asks users for a password if they wish to make an ecommerce transaction on a website. This gives it a clear edge over Master Credit Cards.

Master Credit Cards

It was designated as a rival to the predecessor of the Visa Credit cards, Bank Americard. Master Credit Cards was born towards the end of the 1960s, when a group of bankers in California fathered the Western States Bankcard Association. This was re-christened Master Credit Card at approximately the same time that Visa was renamed. Until about a decade ago, Master Credit Cards was the unchallenged leader in the US. Even now, with growing competition, Master Credit Cards is used in more than 25 million locations across the globe surpassing other cards.

You can get a Master Credit Cards in World, Platinum, Gold, as well as Standard formats and its Secure Code program offers a code which helps prevent the card from being abused online. Even so, the verification process is not as secure or as well-liked as Visa s is.

Master Credit Cards? or Visa Credit Cards?
Most merchant establishments accepted both the Visa Credit Cards and the Master Credit Cards. However, there are clear loyalists for both cards. While Master Credit Cards is more popular all over the world, Visa Credit Cards is quickly catching up primarily due to its secure verification processes online. So most consumers prefer to keep one card from each company and use each card according to their individual requirements. Which one is more popular is anyone s guess. While each card has its own merits, the safest statistic to believe is that while half a dozen people prefer Visa Credit Cards, six are loyal to Master Credit Cards.

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