Alibaba (BABA) - Get Report ,, Inc. (AMZN) - Get Report , Nvidia Corporation (NVDA) - Get Report and others get most of the credit when it comes to stock rallies this year. But there's been a quiet duo of other, non-tech stocks making waves lately: Visa (V) - Get Report and MasterCard (MA) - Get Report .

Visa is up 21.5% this year, while MasterCard is up roughly 19%. Over the past 12 months, MasterCard boasts gains of 34%, while Visa comes in with more than a 26% advance.

The two credit card companies continue to churn out gains, as the global consumer not only spends more money, but continues to switch away from cash and checks in favor of credit and debits.

This trend hasn't gone unnoticed by analysts, either. Mizuho Financial slapped Visa with a buy rating and $115 price target, implying about 10.5% upside. For MasterCard, though, the analyst initiated coverage with a neutral rating and $125 price target.

With MasterCard currently trading near $123, that implies very little upside over the next 12 months.

Notably, Mizuho also initiated coverage on Western Union (WU) - Get Report and Global Payments (GPN) - Get Report . The analyst assigned Western Union with an underperform rating and $16 price target, implying about 15% downside from current levels. However, they started Global Payments off with a buy rating and $105 price target, implying potential upside of nearly 17%.

Meanwhile, Jim Cramer and the AAP team dig into energy often. Get their insights or analysis with a free trial subscription to Action Alerts Plus.

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The stock market may be overvalued: Now may be the time to pay extra attention to red-hot tech stocks such as Apple (AAPL) - Get Report and Facebook (FB) - Get Report . As TheStreet first reported Tuesday afternoon, asset valuations are somewhat "rich" by standard metrics, Federal Reserve Chair Janet Yellen said in London during a conversation about economic issues with British Academy President Lord Nicholas Stern. Yellen's comments on equity valuation and bank strength closely mirrored Fed Vice Chairman Stanley Fischer's from an IMF event held earlier in the day.

The iPhone has changed how you make money: TheStreet's Scott Gamm is out with a piece that will really get you thinking. Apple's iPhone will turn 10 years old on Thursday. The device not only turned Apple into one of the world's most valuable companies, helping to boost its stock price more than 700%, it also changed the way we invest and trade stocks Gamm points out.

In fact, the original iPhone -- and the current versions -- have an internal stocks app, allowing users to check the broader market indexes and individual stock prices. Having this in your pocket was a big deal 10 years ago.

"I think it's actually made the life for a typical investor much easier," Angelo Zino, an analyst with CFRA Research, told TheStreet. "I think they've been able to tap news flows much quicker."

Apple and Facebook are holdings in Jim Cramer's Action Alerts PLUS Charitable Trust Portfolio. Want to be alerted before Cramer buys or sells AAPL and FB? Learn more now.

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This article is commentary by an independent contributor. At the time of publication, the author held positions in the V and MA.