Given past performance, Visa (NYSE:V) and MasterCard (NYSE:MA) are generally tapped as the best credit card stocks; however, American Express (NYSE:AXP) may have the better business model.

In this segment of The Motley Fool's financials-focused show, Where the Money Is, banking analysts Matt Koppenheffer and David Hanson take a look at the three companies and debate the future prospects of the stocks.

David thinks MasterCard and Visa are vulnerable to more industry disruptions than the market is pricing into their stocks today, meanwhile American Express has a loyal following and strong pricing power. While Matt agrees with David to some extent, he doesn't think the price of American Express shares today are worth picking up.