They are of the same level and there is no distinction between main cards.

Both UnionPay and Visa are just card issuing institutions. The main difference between UnionPay credit card and VISA credit card is the different credit card swiping channels. When you swipe the card, the UnionPay card uses the UnionPay credit card swiping channel. VISA The card goes through the VISA card swiping channel.

As for the other small differences, they are the following:

The card numbers are different: the card number of UnionPay credit card starts with 62, while the card number of VISA credit card starts with 4.

The logos are different: UnionPay credit cards have the UnionPay logo on them, while VISA cards have the VISA logo on them.

Usage is different: As for usage, there is basically no difference in China, but if you hold a VISA single currency card.

For example, the Great Wall International Card of Bank of China is quite troublesome to use domestically. VISA's coverage area abroad is much larger than that of UnionPay, and the recognition process is also very high. However, UnionPay can now be used in many countries.

In short, it depends on your personal usage. If you always go abroad, it is better to apply for a VISA card. If you are using it domestically or in Asian countries, a UnionPay card is enough.