@Anonymous wrote:
The Quicksilver MasterCard is usually what people with average credit who've had the lower tier cards (Quicksilver one or Platinum) and upgraded to the Quicksilver with no annual fee.
Visa Signature is for excellent credit and it has added perks.
+1
At one time (a year or so ago) there was a 'Platinum' MasterCard available to people with "Excellent" credit with an APR that was a few points lower than the rewards cards, but with no rewards. This is no longer available to new applicants in it's previous form, but many folks who had it were able to get it PC'd to a Quicksilver as well. (Note that there is currently a 'Platinum' MasterCard offering, but it's geared towards rebuilders and folks just starting out, and has a high APR).
Other folks such as myself ended up with a Quicksilver MasterCard through a series of PCs, in my own case in particular my card started out with HSBC. My QS MasterCard has a lower credit line ($3.9k) than my QS Visa Signature ($8k), but it has a lower APR and is one of my oldest accounts so I don't care to close it or combine it. My QS Visa gets balance transfer offers that my MasterCard doesn't get, so it has a 'use' as well.
As for 'Signature' or 'World' perks, they are nice I guess for some folks but I've never had a use for them. There was an offer for several months last year for Visa Signature card holders that was something of a 'buy one get one free' deal for movie tickets, but that's been over for a while. Other than that, I've never seen anything even remotely of interest tied to the 'Signature' label.
