1. Visa

2. MasterCard

3. DinersClub

4. AmericanExpress (American Express card)

5. Some UnionPay credit cards (International UnionPay)

Extended information:

Which one is better, UnionPay or visa?

When choosing between VISA and UnionPay, one factor that should be considered is that VISA settles based on the exchange rate on the day of the statement, while UnionPay settles based on the exchange rate on the day when the card is swiped.

The trends of the US dollar and RMB will also affect the final consumption amount. For example, if you spend 100 U.S. dollars when swiping your card, if the exchange rate on the day of swiping the card is 1 U.S. dollar to 6.95 yuan, but the exchange rate on the statement date is 1 U.S. dollar to 6.83 yuan, regardless of other influencing factors, if the account is recorded in U.S. dollars ( If you go through the VISA channel and settle at the exchange rate on the bill date), the cardholder needs to repay 100×6.83=6830 yuan.

But if the account is billed in RMB (go through the UnionPay channel and settle at the exchange rate on the day when the card is swiped), the amount shown on the bill is 100×6.95=6950 yuan, and the cardholder will eventually pay according to this amount You can repay directly in RMB.

When the RMB is expected to appreciate, it is more cost-effective to record accounts in US dollars; conversely, it is more cost-effective to record accounts in RMB. The same is true for other currencies, especially some currencies with large exchange rate fluctuations in the short term. Knowing their trends can indeed "buy the bottom". However, this is not something that ordinary consumers can grasp flexibly and accurately. There are also considerable risks involved in "buying the dip".

Reference: Baidu Encyclopedia International Credit Card