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U.S. Market for Co-Branded and Affinity Credit Cards

Over the last two years, the market for co-branded and affinity cards has been reinvigorated. Leading bank card issuers have struck major deals, many partners are changing issuers, and new cobranded card programs have been introduced, with more on the way. Cobranding and affinity strategies have also moved from the credit to the debit realm. In addition, consumers and merchants alike are adapting to new electronic payment technologies, creating additional opportunities for increasing customer retention via cobranded card strategies.

Relying heavily on detailed interviews with industry sources, The U.S. Market for Co-branded and Affinity Credit Cards contains a wealth of tables, charts, information, and concise and pointed analysis that provides well-founded insight into virtually all aspects of co-branding. The report scrutinizes the co-branding strategies of Visa, MasterCard, Discover, and American Express, provides a competitive analysis of the major cobranded card issuers, and tracks the major developments faced by the cobranded card market. In doing so, the report assesses such factors as consumer credit and debt trends, bank card profitability trends, customer retention and growth trends, rewards and benefits trends, consumer usage trends, and market sector (such as hotel, airline, retail, restaurant, petroleum, and supermarket) trends. The report also estimates the total value of co-branded cards in circulation and projects the future of co-branded card industry growth.

Report Methodology
The information in The U.S. Market for Co-branded and Affinity Credit Cards is based on both primary and secondary research. Primary research involved interviews with marketing, public relations and industry analysts within the co-branded and affinity credit card market and consultants to the industry. Secondary research entailed data-gathering from relevant trade, business, and government sources, including company literature. Figures provided on national consumer advertising expenditures are based primarily on data (copyright 2003) compiled by CMR/TNS Media Intelligence U.S., the leading provider of strategic advertising and marketing communications intelligence. The analysis of consumer demographics derives from Simmons Market Research Bureau survey data for spring 2004.

The report looks at every segment of the co-branded and affinity credit card market, examining trends for growth and projecting sales of products through 2009. It analyzes consumer demographics and their current and projected impact on the use of co-branded and affinity credit cards. It provides up-to-date competitive profiles of marketers of co-branded and affinity credit cards and discusses the influence of demographic trends as a driver of usage.

What You’ll Get in this Report
The U.S. Co-branded Credit and Affinity Card Market makes important predictions and recommendations regarding the future of this market, and pinpoints ways current and prospective marketers can capitalize on current trends and spearhead new ones. No other market research report provides both the comprehensive analysis and extensive data that The U.S. Co-branded Credit and Affinity Card Market offers. The report addresses the following segments:

  • The Market (including market size and composition, and projected market growth)
  • The Marketers (including discussions of specific marketer brand and market shares)
  • Competitive Profiles (of the major co-branded credit card marketers and analyses of the products they market)
  • The Consumer (who’s buying what, and where)
  • Trends and Opportunities

    Plus, you’ll benefit from extensive data, presented in easy-to-read and practical charts, tables and graphs.

    Scroll down to see a more detailed outline of the contents of this report.

    How You Will Benefit from this Report
    If your company is already competing in the co-branded credit card market, or is considering making the leap, you will find this report invaluable, as it provides a comprehensive package of information and insight not offered in any other single source. You will gain a thorough understanding of the current market for co-branded cards, as well as projected sales and trends through 2008. Contributing to that understanding will be a complete analysis of sales data from IRI and other published and trade sources, a detailed discussion of the consumer for co-branded cards based on Simmons data.

    This report will help:

    • Marketing Managers identify market opportunities and develop targeted promotion plans for co-branded and affinity credit cards.
    • Advertising agencies working with clients in the co-branded and affinity credit card industry understand the product buyer to develop messages and images that compel consumers to purchase these products.
    • Business development executivesunderstand the dynamics of the market and identify possible partnerships.
    • Information and research center librarians provide market researchers, brand and product managers and other colleagues with the vital information they need to do their jobs more effectively.


    • Executive Summary The U.S. Market For Co-Branded And Affinity Cards
      • Co-Branding Gets a Second Wind
      • What Is Co-Branding?
      • Market Growth Drivers
        • Electronic Payment Growth
          • Table Consumer Payments Mix In The Us, 2002 - 2007
          • Table Consumer In-Store Payments By Type
          • Table Total U.S. Credit Cards In Force: 2001 - 2003 (Millions)
        • Debt Growth
        • Household Debt
          • Table Household Debt Outstanding (Billions Of Dollars; Quarterly Figures Are Seasonally Adjusted)
          • Table Consumer Credit Outstanding (Billions Of Dollars)
        • Interest Rates
          • Table Federal Funds Rate: 1999-2003
          • Table Federal Funds Rate: Monthly: 2004
        • Bank Card Profits Overflowing
          • Table Major Card Issuers' Earnings: Selected Companies (In Millions)
      • Competitive Overview
        • Table The Top 10 U.S. Issuers By Card Loans In 2003
        • Consolidation Trend Makes It More Difficult To Compete
        • Competitive Strategy Focus: American Express - Abridged
    • Bank Issuer Profile: Bank Of America
      • Company Highlights
      • Recent Co-Branding Initiatives: Daimler Chrysler And Choice Hotels
      • Acquisitions
        • Table 2003 Bank Of America Company-Wide Revenue And Income
        • First Half Of 2004
          • Table Card Services June Ytd 2004 Revenue (Excludes Fleet Boston History)
          • Table Bank Of America Consumer Credit Card Financial Results. Dollars (Dollars In Millions)
          • Table Bank Of America Key Metrics: Percentage Growth Comparison: 2003 - 200
          • Table Bank Of America New Credit Card Accounts Consumer (Includes Fleet History)
      • Market Size And Growth
        • U.S. General Purpose Payment Card Market Expands 7% In 2003
        • Co-Branded Cards
        • Co-Branded Credit Card Growth
          • Table Co-Branded Card Growth: 2003-2009 (Millions)
      • Marketing And Product Trends
        • Debit Enters The Co-Brand Arena; Poised For Quick Growth
        • U.S. Bank Increases Co-Branded Debit Card Offerings
        • Upscale Co-Branded Cards Pushing Consumers Away From Cash And Check
        • Airline Cards Largely Weather Storm
      • Co-Branded Marketing Trends
        • Usage Stimulation Trends
        • Enrollment Stimulation Practices
        • Co-Branded Cards As "Lifestyle Choice"
        • Co-Brand Data Creates Important Cross-Sell Opportunity
      • Advertising
        • Focus On Mastercard
        • Mastercard Print Ad Roll-Out
        • Co-Branding Seen As Key
        • Direct Mail: Q2 2004 Numbers
      • The Consumer
        • Data Presented For 12 Co-Branded Cards
          • Table Consumer Ownership And Use Of Co-Branded Credit Cards By Type, 2004
        • Credit Card Holders: Older, Well Educated, Financially Secure, Married Homeowners
        • Co-Branded Mastercard Credit Card Holders*
        • Factors Differentiating Co-Branded Mastercard Users From Average Mastercard Users
        • Other Factors
      • Legal Issues
        • The Visa And Mastercard Exclusionary Rule
        • Immediate Consequences
      • Affinity Cards
        • The Issuers Fight Back
        • Reward Add-Ons: Bank One's "Flexible Rewards Select" Program
        • Citi Upromise Mastercard Incentives Increase
          • Table Affinity Card Growth: 2003 - 2009 (Millions)
    • Introduction
      • Co-Branding Reemerges
      • What Is Co-Branding?
      • Co-Brand Vs. Affinity
        • What Is a Co-Brand Card Program?
        • What Is An Affinity Card Program?
      • How Each Party To The Co-Branded Card Is Affected
        • The Issuer
        • The Partner
        • The Cardholder
        • Loyalty In Profits
      • What Makes a Successful Co-Branding Program?
      • Retaining Momentum
    • Market Growth Drivers
      • Electronic Payment Growth
        • Table Consumer Payments Mix In The Us, 2002 - 2007
        • Table Consumer In-Store Payments By Type
      • Card Growth
        • Table Card Growth: 1999-2002
        • Table Total Cards: Percent Increase In Number Of Transactions
      • Proliferation Of The Point Of Sale
      • Consumer Credit And Debt Trends
        • Debt Growth
        • Household Debt
          • Table Household Debt Outstanding (Billions Of Dollars; Quarterly Figures Are Seasonally Adjusted)
          • Table Household Borrowing (Billions Of Dollars; Quarterly Figures Are Seasonally Adjusted Annual Rates)
          • Table Consumer Credit Outstanding (Billions Of Dollars)
          • Table Personal Saving As a Percentage Of Disposable Personal Income
        • Delinquency Rates
          • Table Insured Commercial Banks - Delinquency Rates On Loans: 1990 To 2002.
          • Table Insured Commercial Banks - Delinquency Rates On Loans: 2003-2004, By Quarter
      • The Results Of Refinancing
        • Bankruptcy Trends
          • Table U.S. Bankruptcy Filings 1980-2004 Q1
        • Interest Rates
          • Table Federal Funds Rate: 1999-2003
          • Table Federal Funds Rate: Monthly: 2004
        • Consumer Confidence Was Healthy
        • Putting It Together: Federal Reserve Says Household Finances Stable
        • Changes In The Debt Service And Financial Obligation Ratios Over Tim
        • Increase In Debt Service Ratios For Homeowners Explained
        • Increase In Debt Service Ratios For Renters Explained
        • The Bank Picture: Bank Card Profits Overflowing
          • Table Major Card Issuers' Earnings: Selected Companies (In Millions $)
          • Table U.S. Bank Credit Card Profitability: 1989 - 2003*
        • Consolidation
          • Table Top 10 U.S. Issuers By Card Loans In 2003
          • Table Assets, Deposits, And Number Of Offices Of The Fifty Bank-Merger Targets With The Largest Assets, 1994-2003 (Millions Of Dollars)
        • Average Credit Card Interest Rates
        • Fixed-Rate Credit Card Rates Rising
        • Credit-Card Fees Rising
    • Competitive Overview
      • Table The Top 10 U.S. Issuers By Card Loans In 2003
      • Consolidation Trend Makes It More Difficult To Compete
        • Table Number Of Bank Mergers, And Assets, Deposits, And Number Of Offices Acquired, By Year, 1994-2003
      • Recent Ruling Increases Competition
      • Immediate Consequences
        • Discover Partnership Plans
        • American Express Lawsuit And Partnership Plans
      • The Year The Brokerages Had Enough
        • Charles Schwab
        • Merrill Lynch
        • Smith Barney
    • Competitive Strategy Focus: American Express
      • American Express
      • Why Co-Brand?
      • Rewards
      • Delta Skymiles Program
      • Starwood And Hilton Programs
      • Costco
      • Card Growth And Attrition Rates
      • Co-Brand Poised For Growth
      • The Future
    • Competitive Strategy Focus: Bank One
      • Bank One
      • Why Co-Brand?
      • Co-Branding Strategy
      • Customer Choice
      • Customer Targets
      • Spenders, Lenders And Blenders
      • Profit And Growth Strategy
      • Focus On Card Strategies
        • Starbucks Card Duetto Visa
        • The United Mileage Plus Cards - Customer Retention
        • Target - Account Acquisition
        • Disney - Increase Distribution And Maximize Branding
      • Poised For Co-Branded Growth
        • Table Bank One Key Projected Performance Metrics Per Booked New Account: Volume Metrics
    • Competitive Strategy Focus: Citigroup
      • Private Label Activity: Citibank And Bank One Go Round And Round
      • Citigroup Card Audiences: Hypotheses Offered
      • Co-Branded Marketing Strategy In a Nutshell
    • Company Profiles
      • American Express
      • Travel Related Services Division
        • Mbna Agreement
        • Consumer Card
        • Co-Branding Partners
      • 2003 Revenue And Income
        • Table 2003 American Express Company-Wide Revenue And Income
        • Table American Express Selected Statistical Information
    • Bank Of America
      • Company Highlights
      • Recent Co-Branding Initiatives: Daimler Chrysler And Choice Hotels
      • Acquisitions
      • 2003 Revenue And Income
        • Table 2003 Bank Of America Company-Wide Revenue And Income
      • First Half Of 2004
        • Table Bank Of American Card Services: June Ytd 2004 Revenue, By Percentage, By Type Of Card (Excludes Fleet Boston History)
        • Table Bank Of America Consumer Credit Card Financial Results ($ In Millions
        • Table Bank Of America Key Metrics: Percentage Growth Comparison: 2003 - 200
        • Table Bank Of America New Credit Card Accounts Consumer (Includes Fleet History)
    • Bank One
      • Merger Activity
      • Card Services
        • Table Bank One Card Services Credit Quality
        • Table Bank One Card Services Other Data:
        • Table Recent Bank One Co-Branding Initiatives
      • 2003
        • Table Bank One 2003 U.S. Rewards Card Account Numbers (Percentage Of Total)
        • Table 2003 Bank One Card Volumes Per Account
        • Table 2003 Bank One Card Profitability, As % Of Outstanding
    • Jp Morgan Chase
      • Chase Cardmember Services: 2003 Results
        • Table Chase Financial Services Business Related Metrics
        • Table Chase Cardmember Services Revenue
      • The Bank One - Chase Merger
    • Citigroup
      • Global Consumer
      • Cards
      • Cards Revenue And Income
      • Recent Acquisitions
        • Sunoco Private Label Acquisition
        • Acquisition Of Sears' Credit Card And Financial Products Business
        • Acquisition Of The Home Depot's Private-Label Portfolio
      • New Co-Branded Offering
    • Discover Financial Services
      • Morgan Stanley Credit Services Division
      • 2003 Revenue And Income
      • First Nine Months Of Fiscal 2004
      • Merchant And Cardmember Fees
        • Table Discover Credit Services Income Statement Information
      • "Wal-Mart" Settlement
      • Rewards Programs
        • The Miles Program
        • The Cashback Bonus Programs
        • The Discover Gold Rewards Award
    • Mbna
      • Mbna By The Numbers
        • Table Mbna Total Revenue And Income
      • Company Highlights
      • Agreement With American Express
      • Mbna Enters Co-Branded Brokerage Card Arena
      • Mbna Enters Into Multi-Partner Co-Brand Agreement
      • Mbna Migrates To Variable Pricing
      • Mbna Buys Sovereign Portfolio; Will Issue Its Cards
      • Mbna Buys Southtrust Portfolio; Will Issue Its Cards
    • U.S. Bancorp
      • Company Highlights
      • 2003 Performance
      • 2003 Revenue And Income
        • Table U.S. Bancorp Total Revenue And Income
        • Table U.S. Bancorp Summary Delinquency Information For Credit Card Loans
        • Table Net Charge-Offs As a Percent Of Average Loans Outstanding
      • First Half Of 2004
    • The Market
      • Market Size And Growth
        • U.S. General Purpose Payment Card Market Expands 7% In 2003
          • Table Total Cards: Percent Increase In Number Of Transactions
        • Transaction Growth
        • Rewards
        • Co-Branded Cards
          • Table Credit Card Choices: 1999 And 2003
      • Market Profile: Mastercard
        • Table 2001 Mastercard Card Growth
        • Table 2001 Mastercard Card Growth
        • Table 2002 Mastercard Card Growth
        • Table 2002 Mastercard Card Growth
        • Table 2003 Mastercard Card Growth
        • Table 2003 Mastercard Card Growth
        • Table 2004 First Half Mastercard Card Growth
        • Table 2004 First Half Mastercard Card Growth
      • Market Profile: Visa
        • General Facts
        • Visa Members
          • Table Visa Members
        • Visa: 2001 To Second Quarter 2004 Card Growth
          • Table Visa 2001 Card Growth
          • Table Visa 2001 Card Growth
          • Table Visa 2002 Card Growth
          • Table Visa 2002 Card Growth
          • Table Visa 2003 Card Growth
          • Table Visa 2003 Card Growth
          • Table Visa 2004 Q1 Card Growth
          • Table Visa 2004 Q1 Card Growth
          • Table Visa 2004 Q2 Card Growth
          • Table Visa 2004 Q2 Card Growth
      • Market Profile: American Express
        • Table American Express Selected Statistical Information
      • Market Profile: Discover
        • Table Total U.S. Card Volume: 2001 - 2003 (Billions)
        • Table Total U.S. Cards In Force: 2001 - 2003 (Millions)
        • Table Total U.S. Debit Card Volume: 2001 - 2003 (Billions)
        • Table Total U.S. Debit Cards In Force: 2001 - 2003 (Millions)
        • Table Total U.S. Credit Card Volume: 2001 - 2003 (Billions)
      • Co-Branded Credit Card Growth
        • Table Total U.S. Credit Cards In Force: 2001 - 2003 (Millions)
        • Table Co-Branded Card Growth: 2003-2009 (In Millions)
    • Marketing And Product Trends
      • Small Banks Make a Better Affinity Target Than Co-Brand Target
      • Can Co-Branded Alliances Induce Issuers To Offer Lower Fees?
      • Debit Enters The Co-Brand Arena; Poised For Quick Growth
      • Bank Of America Tests Gm Debit Card
      • U.S. Bank Increases Co-Branded Debit Card Offerings
      • Bank One Offers United Airlines Mileage Plus One Card
      • The Chase/Continental Airlines Banking Card
      • Upscale Co-Branded Cards Pushing Consumers Away From Cash And Check
      • Rewards Trends And Commentary
        • Usage And Satisfaction With Reward Cards Higher Than Average
        • Reward/Rebate Cards Are Less Likely To Be Used For Carrying Monthly Balances
        • Reward Cards Continue To Dominate Over Non-Rewards Cards
        • Reward Offers On The Rise
        • General Rewards Card Growth Outpaces Co-Brand Growth
        • Still Gas Left In Rewards Growth Tank
        • Co-Branded Portfolios Important To The Bottom Line
          • Table 2003 Bank One Card Volumes Per Account
          • Table 2003 Bank One Card Profitability, As % Of Outstanding
        • Issuers Per Partners Multiply
      • The Retail Landscape
        • American Express Costco Cards Set The Bar
        • Retailers Unload Card Portfolios
        • Opening For Co-Brand?
        • Private Label Vs. Co-Brand
        • Airline Cards Largely Weather Storm
        • Bank One Mileage Plus Program
        • Delta Skymiles Program
        • Competition From Multi-Airline Reward Cards
        • The Foodservice Landscape: Starbucks Makes The First Foray Into Quic Service
        • Small Business a Target
        • The Government Opens Its Doors
          • Table The Rise In Credit Card-Based Federal Income-Tax Payments
        • Where Do Rewards Fit In?
      • Co-Branded Marketing Trends
        • Usage Stimulation Trends
        • Enrollment Stimulation Practices
        • Co-Branded Cards As "Lifestyle Choice"
        • Reward Caps
        • Increasing Co-Brand Distribution Channels
        • Co-Brand Data Used To Gauge And Improve Co-Branded Program
        • Supporting a Co-Brand Launch
        • Managing a Co-Branded Card Portfolio
        • Improving The Partner's Core Business
      • Seasonal/Trend Analysis
        • Co-Brand Data Creates Important Cross-Sell Opportunity
        • Reward Expirations: A Win-Win Proposition For Issuers
        • Tiered Reward Timeline
        • Tiered Reward Choices
        • Reward Incentives For Internet Shopping
        • Greater Innovation And Reward Redemption Choices
        • Tiered Apr
        • Fees Are Rising
        • Annual Fees
        • Tiered Late Fees
        • Tiered Balance Transfer Rates
        • Tiered Annual Fees
        • Simple Card Versatility And Convenience Reduces Cards In Wallet
        • The Coming Convergence Of Card Products
      • Selected Product Offerings
        • American Express
        • The American Express Costco Trueearnings Card
        • American Express Costco Cash Rebate Credit Card
        • Hilton Hhonors Platinum Credit Card
        • Starwood Preferred Guest Credit Card
      • Bank Of America
        • Debit Card
        • Credit
      • Bank One
        • Debit Card
        • Credit Cards
        • British Airways Visa Signature Card
        • Disney's Visa Card
        • Starbucks Card Duetto Visa
        • Trump Rewards Visa
        • Amazon.Com Platinum Visa Card
        • Sony Card
      • Chase
        • Marathon Platinum Mastercard
        • Universal Entertainment Mastercard
        • Continental Airlines World Mastercard
      • Citibank
        • Debit Card
        • Credit Cards
        • The Citi/Aadvantage Card
      • Mbna
        • Aer Lingus Shamrock Rewards Mastercard
        • Royal Caribbean Visa Card
        • Barnes & Noble Mastercard
      • U.S. Bank
        • Debit Card
        • Credit Cards
        • The Skypass Visa Platinum Card
        • Ata Visa Platinum Card
        • Gymboree Visa Platinum Card
        • Harley-Davidson Visa Card
        • The Napa Visa Card
          • Table Breakdown Of Selected Co-Branded Airline Cards
          • Table Breakdown Of Selected Co-Branded Airline Cards
          • Table Breakdown Of Selected Co-Branded Airline Cards
          • Table Breakdown Of Selected Co-Branded Cards: Travel, Gas, Shopping, And Entertainment
          • Table Breakdown Of Selected Co-Branded Cards: Travel, Gas, Shopping, And Entertainment
    • Advertising
      • Media Spending Trends
        • $901.9 Million Spent On Television And Print Advertisements In 2003
        • Television Receives The Lion's Share
      • Focus On Mastercard
        • Mastercard Print Ad Roll-Out
        • Co-Branding Seen As Key
      • Internet Advertising On The Rise
      • Telemarketing
        • Table 2003 Top 15 Card-Industry Telemarketers*
        • Table 2003 Top 15 Card-Industry Telemarketers: Hours, Sites, And Stations
        • Table 2003 Top 15 Card-Industry Telemarketers: Employees
        • Table 2003 Top 15 Card-Industry Telemarketers: Revenue
      • Direct Mail
      • Marketing Efforts - 2Nd Quarter 2004
        • Interest Rate Concerns Drive The Upswing
        • Rewards Offers On The Rise
          • Table Rebate/Reward Offers, Mail Volume Estimates (Millions) , Q1 2003 Through Q1 2004
      • Marketing Efforts - 1St Quarter 2004
        • Table Special Introductory Rate Offers, Mail Volume Estimates (Millions) Q1 2003 Through Q1 2004
        • Lower Annual Percentage Rates
        • Reward Mail Volume
          • Table Reward And Rebate Mail Volume Estimates (Millions) Q1 2003 Through Q1 2004
      • Use Of Promotional Cards
      • Stopping The Pitch
    • Consumer
      • Note On Simmons Market Research Bureau Data
      • Ownership And Use Of Credit Cards
        • Data Presented For 12 Co-Branded Cards
        • Approximately 70% Of Adults Have/Use Credit Cards
          • Table Consumer Ownership And Use Of Co-Branded Credit Cards By Type, 2004
        • Credit Card Holders: Older, Well Educated, Financially Secure, Married Homeowners
          • Table Demographic Characteristics Favoring Ownership And Use Of Credit Cards* (U.S. Adult Population)
        • Frequency Of Use
          • Table Demographic Characteristics Favoring Ownership And Use Of Credit Cards: Used Last 12 Months
          • Table Demographic Characteristics Favoring Ownership And Use Of Credit Cards: Used Last 30 Days
        • Co-Branded Visa Credit Card Holders
        • Factors Differentiating Co-Branded Visa Users From Average Visa User
        • Other Important Factors
          • Table Demographic Characteristics Favoring Ownership And Use Of Co-Branded Visa Cards (U.S. Adult Population)
        • Co-Branded Mastercard Credit Card Holders
        • Factors Differentiating Co-Branded Mastercard Users From Average Mastercard Users
        • Other Factors
          • Table Demographic Characteristics Favoring Ownership And Use Of Co-Branded Mastercard Cards (U.S. Adult Population)
        • Co-Branded Discover Credit Card Holders
        • Factors Differentiating Co-Branded Discover Users From Average Discover Users
        • Other Factors
          • Table Demographic Characteristics Favoring Ownership And Use Of Co-Branded Discover Cards (U.S. Adult Population)
        • Co-Branded American Express Credit Card Holders
          • Table Demographic Characteristics Favoring Ownership And Use Of Co-Branded American Express Club Cards (U.S. Adult Population)
    • Legal
      • The "Wal-Mart" Settlement
      • To What Did The Associations Agree?
      • The Visa And Mastercard Exclusionary Rule
      • Immediate Consequences
        • Discover Lawsuit And Partnership Plans
        • American Express Lawsuit And Partnership Plans
      • The Telemarketing Sales Rule (Tsr)
        • Introduction
      • Who Must Comply With The Amended Tsr?
      • Exemptions To The Amended Tsr
      • Some Types Of Businesses And Individuals
      • Exemptions Explained
      • Upsells
      • Most Calls Made In Response To a Catalog
      • The National Do Not Call Registry Provision
      • How The National Do Not Call Registry Works
        • What Types Of Calls Are Covered?
        • What Types Of Calls Are Not Covered By The National Do Not Call Registry?
        • If a Call Includes a Telephone Survey And a Sales Pitch, Is It Covered?
      • Recent Amendment Requires Telemarketers To Scrub Lists Every 31 Days
      • Do-Not-Call Registry Not a Violation Of Telemarketer's Free Speech
      • "Over-Limit" Fees Not Finance Charges, Supreme Court Says
        • Details Of The Ruling
        • Meaning Of "Finance Charge"
      • Result Of Ambiguity
      • Effect Of Ruling
      • Prescreen Opt-Out Disclosure Rules Proposed By Ftc
      • Federal Reserve Examines Safety Of Credit Offers
      • Kmart-Capital One Litigation
    • Affinity Cards
      • New Concepts In Affinity Program
      • Basic Operational And Financial Arrangements
      • Small Banks Make a Better Affinity Target Than Co-Brand Target-But Market Appears Tough-Going
      • The Issuers Fight Back
        • Reward Add-Ons: Bank One's "Flexible Rewards Select" Program
        • Citi Upromise Mastercard Incentives Increase
        • New Mastercard Rewards Program Converts Loyalty Points Into Donation For Nonprofits And Schools
      • More Affinity Cards In Larger Issuers' Portfolio In 2003
        • Table Table Credit Card Issuers Ranked By Total Affinity Cards Issued 2003
      • Affinity Profit And Volume Synopsis
        • Table 2003 Card Volumes Per Account
        • Table 2003 Card Profitability, As % Of Outstanding
      • Recent Activity Among Brands
        • Mbna
        • Providian
        • U.S. Bank
        • First National Bank Omaha
      • Market Size And Growth
        • Table Total U.S. Credit Cards In Force: 2001 - 2003 (Millions)

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