What is the most widely accepted credit card?

Today we’ll figure out what is the most widely accepted credit card. For starters, it’s important to point out that how widely accepted your credit card is depends on the card network, not the card issuer.

So the simple answer to the question of which credit cards are most widely accepted is: Visa and Mastercard credit cards. Visa credit cards can be used at more than 40 million merchant locations in more than 200 countries and territories.

Mastercard credit cards are accepted at just under 40 million merchant locations but in more than 210 countries and territories. There isn’t actually a single credit card that’s most widely accepted, however, because there are hundreds of Mastercard and Visa credit card offers available.

The difference between Visa and Mastercard acceptance is slight. Either should be fine for your needs almost anywhere in the world, which can’t always be said for cards on the other two major credit card networks: American Express and Discover.

But if you plan on traveling internationally, be sure your Mastercard or Visa credit card doesn’t charge a foreign transaction fee. That will save you up to 3% on every purchase you make abroad.

Finally, it’s worth pointing out that store cards are the least widely accepted credit cards. Most of them don’t belong to any of the four major card networks. So they can only be used at their affiliated retailers.

If you’re looking to apply for one of the most widely accepted credit cards, you should compare your options first. To see WalletHub’s latest picks for the best Visa and Mastercard credit cards right now, click the button here.

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