When comparing credit cards, there are many different factors to consider, including the companies behind the card. While American Express acts as both a credit card issuer and a payment network, Visa only works with various card issuers as a payment network. 

That difference alone can impact your experience as a credit card user because it will affect your card's acceptance, benefits, and other features

Things to consider when comparing American Express and Visa credit cards

Restrictions and reward point expiration

Annual charge

Rates of interest

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