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There are serious differences, however I have not found any one single reason that bests them all....yet...
Visa, I found in my travels through Europe, is very popular in the western european countries, and a good number of the eastern ( same retailers probably had a hand in that )...
And the AMEX is nice for big transactions, as they were the only ones which actually tried to reach me when there were some large purchases out of the blue, mainly due to the gf wanting a big rock on her finger....But that yearly fee does bug the hell outta me..
And the mastercard is the only one which I have had any luck negotiating. I'm sure the other card companies do this, but when I call up that bank which I have the mastercard with and complain a bit about the interest rate, they usually drop it 0.5% and increase the credit another $100, just cause I'm complaining.
It is a competitive business, though... I'm sure some banks are getting hammered by the constant barrage of offers to people, and those same people calling up and cancelling....
And the travellers checks I got from AMEX worked great, until the red light district visits......
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