onion wrote: Even more weird is that BofA, which created Visa, is now using Mastercard.
That's kind of true... the bank now known as Bank of America was actually the old Nation's Bank(which was formerly known as NCNB) buying out the old Bank of America, so most of the history, culture, headquarters, etc comes from the Charlotte, NC bank, not the old California corporation. I did know a banker with Bank of America who told me that there were a few residue effects of being the company which started Visa... until Visa went public- there were a few minor fees Visa charged banks which BoA wasn't charged. They also owned the trademark to "Bank Americard" which was the original name of "Visa" which is why Bank of America issues cards under that name.
As for the questions posed by OP... I've lived in the south, northeast, midwest, and rocky mountain states and have never noticed a trend in terms of Visa/MC issuance by region. My perception has always been that Visa is a tad bit more "exclusive" than MC, but there's really little difference between the two. I don't even care which of the two I get, personally.
Some of the bigger issuers seem to have a preference- Barclay's prefers MC, Bank of America seems to prefer Visa. Chase is phasing out their MC's. So you have some banks who have a relationship with several networks (FNBO issues cards by all four major issuers).
I think the biggest factor is who you
apply with and what you apply for.
In my Wallet:
Sometimes in my Wallet:
- Amex PRG NPSL[3-14, bd 91]
- Sallie Mae MC $8000[1-14]
- Chase Freedom $4700[1-14]
- Discover It $2750[8-13]
- BoA UCF Alumni Cash Rewards $5000 [3-15]
- GM BuyPower WEMC $5000[9-14]
- Wells Fargo Propel 365 Amex $7000[4-14]
- Barclaycard Arrival WEMC $7000[3-14]
- BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450