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One of the most common questionswe get at NerdWallet is: “Which is better, Visa or Mastercard?” It depends on how you define “better,” but there isn’t much difference between the two — and probably none that you would notice in your day-to-day life.

The first thing to understand is that neither Visa nor Mastercard actually issues or distributescredit cards. Credit cards are issued by banks, and those banks are the ones that set interest rates, charge fees and offer rewards.Visa and Mastercard are payment networks: Theyprocess paymentsbetween banks and merchants for purchases made with the cards.

Both payment networksoffer cardholders certain benefits, such asrental car insurance, fraudprotection and extended warranties. But when you’re choosing a card, it’s usually more importantto consider what the issuing bank is offering thanwhat you get from the payment processor.

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» MORE: NerdWallet’s best MasterCard credit cards


Visa and Mastercard are (almost) equally accepted

Just about every merchant that accepts credit cards takes both Visa and Mastercard, That’s true not only in the United States,but also internationally, where acceptance is lower for American Express and Discover.

There are a few exceptions to this near-universal acceptance. Usually they occur when a merchant has an exclusivedealwith one payment network. Probably the best-known such arrangement is at Costco wholesale clubs, which accept only Visa cards. (Prior to mid-2016, they took only American Express.) Similarly, Sam’s Club used to take Mastercard but not Visa, although it now accepts both. Even so,such exclusions are rare.

As far as consumer appeal goes, Visa and Mastercard share a lot moresimilaritiesthan differences.Both offerthree tiersof benefits. The higher-level offeringsgenerally include discounted travel and vacation bundles.

Visa offers two levels of benefits: base, Signature and Infinite. Most base-level Visa cards come with auto rental collision damage coverage, extended purchases warranties, unauthorized purchase coverage, emergency assistance and urgentcard replacement. Visa Signature cards include all of the base-level offerings, as well as a 24/7 concierge service and an online portal that gives cardholders access to discounts and special access to entertainment, sporting events, diningand travel. Visa Infinite provides the same benefits as Signature but also includes a suite of superpremium benefits designed to appeal to high-net-worth individuals. Learn more about Visa Infinite.

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Every week, talkhealth round up the top news stories on the world of health from across the web and condense them into one bitesize read. This week, we’re looking at some new advancements in the understanding of cancer, diet and alcohol research and we take a look at whether “Night Owls” really are at risk of an early death.

A recent report from male cancer charity, Orchid, has found that 4 out of 10 prostate cancers in the UK are diagnosed late .

The research found that a worrying 37% of all prostate cancers were identified at stages 3 and 4. As with all cancers, the earlier a diagnosis is made the more treatable it is. These statistics shine an alarming light on the current state of prostate cancer awareness in the UK. In comparison, in the US where prostate cancer has a higher profile, only 8% of diagnoses are made at these later stages. On the day this report was released, the government announced a £75-million five-year funding pack for research into prostate cancer, to help combat the condition. As Giuseppe Zanotti Suede loafer with metal tip CEDRIC nDkSx
, in terms of death figures, more research into the condition is extremely important.

In further cancer news, there has been ground-breaking news around cancer severity and Miu Miu Platform buckled espadrilles hGhvOz3QPw
. The study centred around kidney cancer and tracked the development and mutation of cancers through sophisticated genetic work. As more work is done, it is hoped that eventually it will be possible to predict the development of a cancer and treat it quickly and more effectively by providing personalised treatment.

In the world of food and drink, a new study has found that KENDALL KYLIE Epic3 Camouflage Moto Boots bd5Ik3yI6
. The study of over 600,000 drinkers concluded that those who regularly drunk between 10 to 15 alcoholic drinks a week could see their lives cut short by as much as two years.

Alongside this, there was some insight into some of the Dr Martens Mens 1460 Crazy Horse Leather 8Eye Lace Up Boots Gaucho UK 8 LGhjH
, with some rather shocking findings. Eating well and drinking in moderation are extremely important to an individual’s health, so ensuring that you know what you are putting into your body should always be of the upmost importance.

If you have any hints or tips of healthy eating, and drinking in moderation, head to our forums on men’s health , women’s health or Hunter Original Refined Back Strap Short Gloss Boot AYWwAxeSZ

Finally, there were worrying reports about the link between being a “night owl” and an earlier death, when compared to “early birds”. However, when the Calvin Klein Ponystyle Calfskin Boots noumf8Xy
, it was found that the study doesn’t show a causation factor between the two. “Night Owls” had a tendency to have a less healthy diet and take more risks, which obviously would have an impact on life expectancy.

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