I wouldn't do it. Once you give up your visa you can't get it back. The rate of interest, I believe is more on the MC, and even though you might pay off everything in full, if there is ever an error in that dept. it will cost you more. I've also had a couple of occasions where some place only took Visa, or there is a special offer using a Visa card, but I have not seen that with MC. So before you change I would look very carefully comparing the two. I happen to have both a Citibank MC and Citibank Visa. On my Visa the interest rate is 13.900% and on the World MC it is 14.650%. The lower rate is for all the "old" Gold cards - MC or Visa. They don't tell you this when they are offering to upgrade you.

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DtG