Visa Alternative is a term used to describe payment methods that are alternatives to Visa. The most common Visa Alternatives are American Express (AMEX), Mastercard, and OptimaCard. AMEX is a four-letter credit card company that offers a variety of services, including travel rewards and cash back. Mastercard is a ten-letter credit card company that provides a wide range of services, including online shopping and international payments. OptimaCard is a ten-letter credit card company that offers a variety of services, such as balance transfers and cash advances. Finally, AmericanExpress is a fifteen-letter credit card company that provides a variety of services, including travel rewards and cash back.