Those credit card ads online

When I go to a certain solitaire game site lately, I often see this kind of ad. Two friends are at a restaurant, one is about to pay, but he or she is confused over which credit card to use: the one with low interest, the one which allows you to build points, etc., etc, After a few seconds of hesitation, the friend comes to the rescue with a big smile, offering to pay with the wonderful card that is being advertised.

I'm wondering whether I am getting the right message from this. All it takes for my friends to pay for my meal is for me to stare at my wallet with a confused look on my face?

I'm going to try that!