You’re talking about different things. When you shop credit card offers, you are comparing issuers (eg Chase vs Capital One). That’s not the same as the payment

You’re talking about different things. When you shop credit card offers, you are comparing issuers (eg Chase vs Capital One). That’s not the same as the payment processor aka card network (Visa vs MasterCard). Of course it’s endlessly more complicated then that but it’s important to make the distinction.