What's the difference between Visa, Mastercard, Amex, and Discover?

Question

Does the card network matter? Should I prefer one over another?

CardCompare Expert · Accepted Answer

The network determines where the card is accepted: **Visa & Mastercard**: Accepted virtually everywhere worldwide — no practical difference between them. **Amex**: Accepted at ~99% of US merchants and widely abroad, but some small businesses and international vendors don't take it. **Discover**: Accepted at ~99% of US merchants but weaker internationally (though they partner with networks abroad). For most people: Visa/MC have the widest acceptance. If traveling internationally, carry at least one Visa or Mastercard. The network matters less than the card's rewards and benefits.