{"id":18588,"date":"2023-07-30T23:56:00","date_gmt":"2023-07-30T15:56:00","guid":{"rendered":"https:\/\/www.granitefirm.com\/blog\/us\/?p=18588"},"modified":"2025-11-23T10:42:36","modified_gmt":"2025-11-23T02:42:36","slug":"credit-card-difference","status":"publish","type":"post","link":"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/","title":{"rendered":"What&#8217;s the credit card difference among American Express, Visa and  MasterCard ? at least 8 differences"},"content":{"rendered":"\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #ffffff;color:#ffffff\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #ffffff;color:#ffffff\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Payment_Networks_and_Card_Issuers\" >Payment Networks and Card Issuers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Visa_or_Mastercard_itself_does_not_issue_cards\" >Visa or Mastercard itself does not issue cards<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Merchant_Acceptance\" >Merchant Acceptance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#US_Domestic_acceptance\" >U.S. Domestic acceptance<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#International_acceptance\" >International acceptance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Card_fee\" >Card fee<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Customer_service\" >Customer service<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Card_benefits\" >Card benefits<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Card_application_eligibility\" >Card application eligibility<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Variety_of_card_types\" >Variety of card types<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Quick_Facts_Comparing_Visa_MasterCard_American_Express\" >Quick Facts Comparing Visa, MasterCard &amp; American Express<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/#Related_articles\" >Related articles<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Payment_Networks_and_Card_Issuers\"><\/span>Payment Networks and Card Issuers<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A card issuer is a third party, usually a bank, that provides credit to a consumer. When you use your card, the card issuer pays for the transaction. It will be reimbursed once you pay off the fee charged.<\/p>\n\n\n\n<p>The payment network processes the transaction. It transfers funds from the card issuer to the merchant.<\/p>\n\n\n\n<p>American Express (ticker: AXP) is both a card issuer and a payment network. American Express does double duty. It also processes transactions for its own Amex cards and those of other issuers that use the Amex network.<\/p>\n\n\n\n<p>Visa is just a payment network. Since Visa is not a credit card issuer, each Visa (ticker: V) card also has an issuer. For example, a Chase (ticker: JPM) credit card with Visa will have both the Chase and Visa logos on it. That means Chase is the credit card issuer and Visa is the payment network.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Visa_or_Mastercard_itself_does_not_issue_cards\"><\/span>Visa or Mastercard itself does not issue cards<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The key difference between Amex Visa or Mastercard (ticker: MA) is that Amex is both a card issuer and a payment network. Visa or MasterCard is just a credit card payment network and is not responsible for card issuance itself. Other banks such as Chase Bank (ticker: JPM) and Bank of America (ticker: BAC ) will join the credit card payment network of Visa or MasterCard and be responsible for issuing cards.<\/p>\n\n\n\n<p>Regarding Visa and Wanshida, interested readers can refer to my previous two blog posts: &#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2022\/02\/11\/the-differences-between-visa-and-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">The differences between Visa and Mastercard?<\/a>&#8221; and &#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2021\/06\/04\/has-the-moat-of-the-two-major-credit-card-networks-loosened\/\" target=\"_blank\" rel=\"noreferrer noopener\">Has the moat of ubiquitous credit card networks loosened?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Merchant_Acceptance\"><\/span>Merchant Acceptance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>More merchants are willing to accept Visa and Mastercard than Amex. In fact, Visa is one of the most accepted payment networks in the world. Amex is accepted at 99% of merchants that accept credit cards, but it&#8217;s still not as widely accepted as Visa and MasterCard.<\/p>\n\n\n\n<p>Amex has long charged higher credit card fees than other payment networks. To avoid these more expensive fees, some merchants choose not to accept Amex. It is accepted in over 170 countries; however, Visa is accepted in over 200 countries.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"US_Domestic_acceptance\"><\/span>U.S. Domestic acceptance<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Simply put, the more merchants that accept your card, the better the card network. Visa and MasterCard, traditionally major competitors, have 10.7 million U.S. retailers accepting their cards.<\/p>\n\n\n\n<p>But in a February 2020 Nielsen report, it was reported that 99% of U.S. credit card-accepting merchants now accept Amex, which means 10.6 million retailers now accept Amex. That&#8217;s a huge change from the 3.7 million that Amex accepted five years ago.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"International_acceptance\"><\/span>International acceptance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Unfortunately, Amex&#8217;s international acceptance is much lower than its competitors. For example, American Express is accepted in more than 160 countries around the world, which is behind Visa and MasterCard, which are both accepted in more than 200 countries.<\/p>\n\n\n\n<p>While it&#8217;s easier to find places that accept Amex in countries like Canada or Australia, it&#8217;s more difficult in Europe and Asia. To be on the safe side, your best bet when traveling abroad is to keep a Visa or MasterCard in your wallet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Card_fee\"><\/span>Card fee<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A big reason for the growth of the credit card business is the fees between the credit card networks. In February 2020, Nielsen reported that the weighted average of Visa and Mastercard swipe fees was 2.26%, while Amex\u2019s average fee was 2.3%, a difference of just 0.04%.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Customer_service\"><\/span>Customer service<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>American Express was ranked #1 in JD Power&#8217;s 2020 U.S. Credit Card Satisfaction Study. It also consistently performs well in these annual studies. If you get a card issued by American Express, you can enjoy great service.<\/p>\n\n\n\n<p>With Visa, you do not interact with Visa for customer service issues. You will contact the credit card company that issued the card. Since Visa works with a wide range of card issuers, this means that customer service is more variable. This will depend on the card issuer, Visa itself has no control over the quality of service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Card_benefits\"><\/span>Card benefits<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Card networks offer benefits based on the level of service you are applying for, but not every card is guaranteed to include all benefits by tier, and issuers may offer any combination of available benefits across tiers. In addition to these online benefits, your card will likely offer other benefits.<\/p>\n\n\n\n<p>But as far as Visa or Mastercard is concerned, basically the benefits of the card are divided into two parts:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Benefits provided by Visa Card or MasterCard Network.<\/li>\n\n\n\n<li>Benefits offered by the card issuing bank you are applying for.<\/li>\n<\/ul>\n\n\n\n<p>American Express, on the other hand, can determine the credit card issued by itself.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Card_application_eligibility\"><\/span>Card application eligibility<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are a variety of credit cards on the market, including cash back cards, rewards cards, business card cards, and more. Each credit card you apply for has its own set of eligibility requirements, including credit score, credit history and income level.<\/p>\n\n\n\n<p>In general, the more benefits a card offers, the harder it is to qualify. But in terms of comparing Visa, MasterCard, and Amex&#8217;s eligibility requirements, Amex may be the hardest card issuer to qualify, as most cards require applicants to have a &#8220;good&#8221; credit score of at least 670 to qualify. Qualify.<\/p>\n\n\n\n<p>In contrast, Visa and MasterCard offer many cards that only require a &#8220;fair&#8221; credit rating of 630. This is because Visa and MasterCard are not card issuers, so they have no control over minimum requirements. Banks and other card issuers can set these levels independently and have less stringent requirements.<\/p>\n\n\n\n<p>This means that if you are an applicant with a delinquent loan or a limited credit history, you are more likely to be approved for a card in the Visa and MasterCard network.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Variety_of_card_types\"><\/span>Variety of card types<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Compared to the number of cards with the Visa and MasterCard logos, Amex issues fewer cards. This is because, as the card issuer, it provides the cards itself and only offers a limited number of cards from other issuers on the Amex payment network. the<\/p>\n\n\n\n<p>If you want more cards to choose from, you&#8217;re better off picking a card from the Visa or MasterCard network.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quick_Facts_Comparing_Visa_MasterCard_American_Express\"><\/span>Quick Facts Comparing Visa, MasterCard &amp; American Express<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><\/td><td><strong>Visa<\/strong><\/td><td><strong>Mastercard<\/strong><\/td><td><strong>American Express<\/strong><\/td><\/tr><tr><td><strong>Domestic Acceptance<\/strong><\/td><td>10.7 million<\/td><td>10.7 million<\/td><td>10.6 million<\/td><\/tr><tr><td><strong>International Acceptance<\/strong><\/td><td>200+ countries and territories<\/td><td>210+ countries and territories<\/td><td>160+ countries and territories<\/td><\/tr><tr><td><strong>Cards in Circulation in the U.S. in 2019<\/strong><\/td><td>333.1 million<\/td><td>243 million<\/td><td>54.7 million<\/td><\/tr><tr><td><strong>Purchase Volume (Debit\/Credit) in 2019<\/strong><\/td><td>8.945 trillion (4.890 credit, 4.055 debit)<\/td><td>4.767 trillion (3.015 credit, 1.752 debit)<\/td><td>1.225 trillion (credit only)<\/td><\/tr><tr><td><strong>Card Transactions in 2019<\/strong><\/td><td>185.5 trillion<\/td><td>108.4 trillion<\/td><td>8.8 trillion<\/td><\/tr><tr><td><strong>Fraud Liability<\/strong><\/td><td>Zero liability for:Credit card transactionsSignature debit card transactionsPIN debit card transactions (if processed by Visa)<\/td><td>Zero liability for:Credit card transactionsSignature debit card transactionsPIN debit card transactions (if processed by Mastercard)<\/td><td>Zero liability for:Credit card transactions<\/td><\/tr><tr><td><strong>Card Terms<\/strong><\/td><td>Visa doesn\u2019t set APRs, fees, or rewards.<\/td><td>Mastercard doesn\u2019t set APRs, fees, or rewards<\/td><td>Refer to&nbsp;<a href=\"https:\/\/www.americanexpress.com\/content\/dam\/amex\/in\/legal\/mitc\/Card_Member_Aggreement.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">American Express\u2019s terms and conditions<\/a><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">credit: upgradedpoints.com<\/figcaption><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"250\" height=\"69\" src=\"https:\/\/www.granitefirm.com\/blog\/us\/wp-content\/uploads\/sites\/2\/2023\/03\/mva-1600x1200-1.jpg\" alt=\"credit card\" class=\"wp-image-18589\"\/><figcaption class=\"wp-element-caption\">credit: thestrawgroup.com<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Related_articles\"><\/span>Related articles<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/11\/24\/credit-card-threats\/\" target=\"_blank\" rel=\"noreferrer noopener\">Several possible threats to the Visa and Mastercard credit card networks<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2025\/05\/15\/oligopoly-enterprise\/\">The world&#8217;s most well-known oligopoly companies<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/whats-the-credit-card-difference-among-american-express-visa-and-mastercard-at-least-8-differences\/\"><\/a><a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/30\/credit-card-difference\/\">What&#8217;s the credit card difference among American Express, Visa and MasterCard ? at least 8 differences<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/07\/12\/american-express\/\">American Express, one of the best investments of Buffett&#8217;s career<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2022\/02\/11\/the-differences-between-visa-and-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">The differences between Visa and Mastercard?<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2021\/06\/04\/has-the-moat-of-the-two-major-credit-card-networks-loosened\/\" target=\"_blank\" rel=\"noreferrer noopener\">Has the moat of ubiquitous credit card networks loosened?<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2021\/12\/amazons-dominance-from-stock-price-trends-of-paypal-affirm-fair-isaac-visa-and-mastercard\/\" target=\"_blank\" rel=\"noreferrer noopener\">Amazon&#8217;s dominance from stock price trends of PayPal, Affirm, Fair Isaac, Visa, and Mastercard<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/09\/08\/union-pacific\/\" target=\"_blank\" rel=\"noreferrer noopener\">Union Pacific, representative of the duopoly<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2025\/11\/22\/bet-on-dominant-player\/\">Bet on dominant player, don&#8217;t predict<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2025\/05\/15\/oligopoly-enterprise\/\">The world&#8217;s most well-known oligopoly companies<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2022\/09\/13\/there-are-indeed-monopoly\/\" target=\"_blank\" rel=\"noreferrer noopener\">There are indeed monopoly in this world<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/03\/08\/monopolies-or-oligopolies\/\">How do monopolies or oligopolies work in the real world?<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2023\/02\/23\/industries-with-moat\/\">Industries with moat and going downhill<\/a>&#8220;<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2021\/06\/08\/tech-antitrust-governance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Antitrust and governance faced by Chinese and American technology giants<\/a>\uff02<\/li>\n\n\n\n<li>&#8220;<a href=\"https:\/\/www.granitefirm.com\/blog\/us\/2021\/05\/21\/how-should-investors-view-companies-being-included-in-the-antitrust-investigation-list\/\" target=\"_blank\" rel=\"noreferrer noopener\">Investors should not afraid of antitrust investigation on your holdings<\/a>&#8220;<\/li>\n<\/ul>\n\n\n\n<p><em><strong>Disclaimer<\/strong><\/em><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><em>The content of this site is the author\u2019s personal opinions and is for reference only. I am not responsible for the correctness, opinions, and immediacy of the content and information of the article. Readers must make their own judgments.<\/em><\/li>\n\n\n\n<li><em>I shall not be liable for any damages or other legal liabilities for the direct or indirect losses caused by the readers&#8217; direct or indirect reliance on and reference to the information on this site, or all the responsibilities arising therefrom, as a result of any investment behavior.<\/em><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>8 Differences Between American Express and Visa or MasterCard Credit Cards<\/p>\n","protected":false},"author":1,"featured_media":18589,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[108,693,485],"tags":[655,47,471,160,140],"class_list":["post-18588","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card","category-duopoly","category-oligopoly","tag-axp","tag-bac","tag-jpm","tag-ma","tag-v"],"_links":{"self":[{"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/posts\/18588","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/comments?post=18588"}],"version-history":[{"count":21,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/posts\/18588\/revisions"}],"predecessor-version":[{"id":40142,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/posts\/18588\/revisions\/40142"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/media\/18589"}],"wp:attachment":[{"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/media?parent=18588"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/categories?post=18588"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.granitefirm.com\/blog\/us\/wp-json\/wp\/v2\/tags?post=18588"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}