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Private Label Credit Cards: United States

Publisher Freedonia Focus Reports
Published Jul 31, 2023
Length 29 Pages
SKU # FFO18132193

Description

Private Label Credit Cards: United States

This report forecasts US private label credit card (PLCC) market growth to 2025. To illustrate historical trends, US PLCC purchase volume and outstandings are provided by top issuers for 2019-2022 in US dollars. Total PLCC purchase volume and outstandings are segmented by issuer: Synchrony Financial, Citi Retail Services, Capital One, Bread Financial, Wells Fargo, and TD Bank.

This report covers the US market for PLCCs, with an emphasis on card issuers, merchants, consumers, and the competitive and economic challenges shaping the industry.

For the purposes of this report, we define branded credit cards as credit cards carrying the logo of one of the four leading US card associations: American Express, Discover, Mastercard, and Visa. They can be used anywhere that association logo is accepted for payment.

Credit card issuers and merchants may partner to issue a closed-loop credit card that does not run on the card network rails. The closed-loop means a transaction authorization runs only between two parties: the merchant and the card issuing bank. Because these cards do not pass through the open-loops of Visa or Mastercard, they may only be used at the individual merchant.

A full outline of report items by page is available in the Table of Contents.

Related NAICS Codes:

  • 522110 Commercial Banking
  • 522120 Savings Institutions
  • 522210 Credit Card Issuing
  • 522220 Sales Financing
  • 522292 Real Estate Credit
  • 522293 International Trade Financing
  • 522294 Secondary Market Financing
  • 522298 All Other Nondepository Credit Intermediation
  • 522320 Financial Transactions Processing, Reserve, and Clearinghouse Activities

Table of Contents

29 Pages
HIGHLIGHTS
MARKET OVERVIEW
Market Size & Growth
Key Challenges Facing the Private Label Credit Card Market
Card Issuers Were Given a Late Fee Carve Out – That May Be Disappearing
Profiles of Select Private Label Credit Card & Loyalty Programs
Private Label Credit Card Usage Trends
INDUSTRY STRUCTURE
Top Private Label Credit Card Issuers
ABOUT THIS REPORT
Scope
Sources
Industry Codes
Resources
LIST OF TABLES & FIGURES
Table 1 | US Outstandings, Private Label Credit Cards, Largest Issuers, 2019 - 2022 (US$ bil)
Table 2 | US Purchase Volume, Private Label Credit Cards, Largest Issuers, 2019 - 2022 (US$ bil)
Table 3 | Consumer Interest in Applying for a Store Credit Card During the Holiday Season, 2018 - 2022 (%)
Table 4 | Total Number, Value, & Dollar Average of Private Label Credit Card Payments, 2015, 2018, & 2021 (number in bil; US$ tril)
Table 5 | General Purpose Credit Card & PLCC Interest Rates, 2018 - 2022 (%)
Table 6 | NAICS & SIC Codes Related to Private Label Credit Cards

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