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

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.

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.