i play both games and enjoy both. overwatch is really intense and engaging. my shoulders had muscle pains for how tense i got playing doomfist on 8 player deathmatch. it's amazing.
Paladins is more rewarding. you get a daily log in bonus, 3 first wins of the day bonuses, up to 3 weekly quests to finish, you can use the bonus coins to buy extra lootboxes. the card system isn't terrible. you can edit the starting cards a bit to your liking, and in a few levels you can quickly purchase to optimize one character at a time. the points battle system allows you to counter your opponents' strong shielding or strong healing. i don't think any one card layout is vastly superior to another, unless you're a total noob. many different ways to play, it's fun and feels rewarding