With total credit card debt reaching all-time highs, Jim Cramer used his Off-the-Charts segment during Tuesday's Mad Money episode to find out more about the four major credit card networks.

Cramer turned to Bob Lang, the founder of ExplosiveOptions.net for a closer look at the companies competing to replace cash: Visa (V) , Mastercard (MA) , American Express (AXP) , and Discover (DFS) .

Cramer started by looking at the daily chart for Visa (below), which just hit an all-time high. Shares are up 28% for the year, and have helped carry the Dow Industrials to fresh highs as well.

Lang points out that this stock rarely gives you a chance to get on board at lower levels. In fact, he notes that every time Visa's pulled back to its short-term 50-day moving average, it's been a buying opportunity.

For example, about a month ago the stock sold off to the low $90s. Since then Visa has rapidly rallied up to $101 and change. Visa has been rallying on strong volume as well, passing the "lie detector" test and suggesting the move is sustainable. Lang wouldn't be surprised if the stock can climb to $120 by the end of the year, up nearly 20% from these levels.

Mastercard, the second largest credit card company, has also been performing well. TheStreet.com's Trifecta Stocks Newsletter, which Lang helps run, has a position in Mastercard, and it's been a nice long-term winner.

If you liked this article you might like

How to Make a Deal Like Billionaire Investor Warren Buffett

Here's How to Invest Like a Billionaire

How to Invest Like Billionaire Warren Buffett

How to Live Just Like Billionaire Warren Buffett

Apple Gears Up for Major Acquisitions, Trump Hints at Cross-Border Policy ICYMI