If you aren’t in that elite club, don’t despair. Plenty of Americans have really good credit. More than 20% of consumers have ...

All three carry a major credit card company’s branded logo, usually Visa, Mastercard or American Express. And you can use all three types of cards for both brick-and-mortar and online shopping.

Credit cards come with unique colors and designs that set them apart from one another. But they all have common brand logos on the front or back of the card, such as Mastercard's interlocking circles.