Changing networks won't impact cardholders much, but it could be the first step toward improving card features.

Visa, Mastercard, and American Express are having a tug-of-war over whose network will get to provide the back-end plumbing for the Apple Card. That’s not exciting, I know, but here’s the kicker: Wall Street Journal published that Visa reportedly offered Apple a staggering $100 million to abandon Mastercard and join its ranks.

There's been a quiet battle between banks to be the next Apple Card issuer as Goldman Sachs moves on, but another battle is brewing between networks to take over from Mastercard.