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The differences between Visa and Mastercard are pretty slim. Instead of focusing on the network, pay attention to the issuing bank, the card's perks and how they align with your spending habits.

Just think of all the payments in emerging market countries that still use cash over cards. In 2024, Visa and Mastercard combined for approximately a total of $24 trillion in payment volume.

Credit card networks and issuers play an important role in how your credit card works, where it's accepted and the benefits you can receive. Here's how they differ and work together.

There aren’t a lot of differences between using a personal credit card or business credit card from the Visa and Mastercard networks. Costco, however, only accepts Visa in-store.