For credit card touring, what would be best? Trek 1.2 or a Surly LHT(or equivalent).
Before we go too far, how much of a load do you expect to carry? Credit card touring can be accomplished with a moderately sized saddle bag, or you might want to carry a fair bit more. Some of the "sport touring" or randonneuring bike might be "best" on the light end, while a LHT-like is fine for carrying bigger loads.
(Quotes meant to indicate entire threads could be devoted to those topics.)