Rewards, Offers and Benefits: The Real Drivers of Credit Card Use

How Consumers Decide Which Credit Card to Pay With

Credit card rewards, offers and benefits drive many cardholders to strategically switch cards to maximize their perks. Discover how issuers can use tailored data-driven insights to increase card usage, drive loyalty, and turn satisfied cardholders into powerful advocates.

Inside the May Study

One in four cardholders strategically rotate their credit cards when shopping to maximize their rewards, calculating in advance which card they will use to maximize their benefits.
Consumers with premium cards are more than twice as likely to take advantage of card-linked offers compared to consumers with no-fee cards.
Premium reward offerings are more likely than cash referral bonuses to prompt a cardholder to recommend their card to others.