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.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis -- even one of our own -- helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.