The visa credit card is the most accepted card in the world. Is you want to apply for the visa card you can do it on line or directly in your bank.
Also beside paying with your car you can get cash out of your card, is kind of expensive but it helps in case of an emergency.
One thing you should not forget is that when you are apliying for a card they are going to make you a credit investigation. Having a credit it could help to start building yor credit for a future loan or line of credit.

The citibank offers also the visa card. Visa is the company that manage world wide the credit cards, and the bank is the link between visa and the costummer.You can have a bank card with out being a credit card it could be only an acces card for doing the tansactions.

In the last years consumer like to use more their credit, they find that is easy and safty instead of carring money.