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Co-Branded and Affinity Cards in the U.S., 6th Edition, provides deep insight into a market contributing some $860 billion in purchase value to U.S. payments. The report emphasizes co-branded credit card program features and benefits analysis, partner and issuer co-brand card strategies and competitive trends, co-brand growth trends among issuers and networks, and related trend and opportunity spotting.
- Executive Summary
- Report scope
- Report summary
- Market size and forecast
- Number of co-branded credit card programs
- Trends and opportunities
- Own-branded competition
- Upping the rewards ante
- Upping the expense ante
- Making it work
- Airlines in focus
- Market segmentation analysis
- The airline co-brand segment
- The hotel co-brand segment
- The retail co-brand segment: a tale of four card programs
- Co-brand and affinity credit card issuers
- Alliance Data Systems
- Bank of America
- Barclays
- Capital One
- Citibank
- JPMorgan Chase
- Synchrony Financial
- U.S. Bank
- Card association co-brand and affinity credit card strategies
- American Express
- MasterCard
- Visa
- Credit card usage trends
- Rewards credit cards: usage trends over time
- Airline and hotel co-branded credit cards: usage trends over time
- Co-brand and affinity card users
- Types of credit cards used
- Demographic analysis
- Co-brand credit card application influencers
- Rewards importance & co-brand card switch factors
- The power of rewards
- Co-brand credit card used most: card switching motivators
- Market Size and Forecast
- Co-branded credit card market size
- Co-branded credit card purchase value, by network
- Table General-Purpose Credit Card Purchase Value, Co-Branded Credit Card Share, by Network, 2016
- Co-branded credit card purchase value, by issuer
- Table General-Purpose Credit Card Purchase Value, Co-Branded Credit Card Share, by Issuer, 2016
- Co-branded credit card purchase value, by issuer and network
- Table Top Co-Branded Credit Card Issuers: Co-Brand Credit Card Purchase Value, by Network, 2016
- Table Top Co-Branded Credit Card Issuers: Co-Brand Credit Card Purchase Value Share, by Network, 2016
- Number of co-branded credit card programs
- Partnership industry segments
- Table U.S. Consumer Co-Branded Credit Card Programs, by Segment: Companies, Brands and Programs, 2017
- Table U.S. Consumer Co-Branded Credit Card Programs, by Segment and Network, 2017
- Table U.S. Consumer Co-Branded Credit Card Programs, by Segment and Issuer, 2017
- Trends & Opportunities
- Own-branded competition
- Is this the peak of the co-brand credit card market?
- Upping the rewards ante
- Higher rewards rates
- Cash back gets serious
- What is cash back without loyalty?
- Soft benefits must shine through
- Upping the expense ante
- Rewards expenses continue to climb
- Acquisition levers, too
- Renewals more expensive
- Making it work
- Higher annual fees
- Help wanted: well-qualified revolvers
- Airlines in focus
- Elite status gets more difficult; frequent flyer miles losing value
- Entry-level cards to make up the difference?
- Not just flight awards
- Market Segmentation Analysis
- The airline co-brand segment
- Overview and key trends
- Programs and partners
- Table Consumer Airline Co-Branded Credit Card Programs, by Airline, Network, Reward and Issuer, 2017
- Table Business Airline Co-Branded Credit Card Programs, by Airline, Network, Reward and Issuer, 2017
- Wins and losses
- Table Airline Co-Branded Credit Card Program Partnership Changes, 2014-2017
- The business of airline loyalty programs
- Table Top Four U.S. Airlines: Ancillary Revenue, Loyalty Program/Co-Branded Card Share, 2016
- Sizing up the Big Three
- Table American Airlines, Delta Air Lines and United Airlines: Revenue and Loyalty Metrics, 2016
- Delta Air Lines
- Table Delta Air Lines Co-Branded Credit Card Program Revenue, 2014-2020
- Table Delta SkyMiles Loyalty Program: Key Revenue Metrics, 2014-2016
- Table Delta SkyMiles Loyalty Program: Key Usage Metrics, 2014-2016
- American Airlines
- Table American Airlines AAdvantage Loyalty Program: Key Revenue Metrics, 2014-2016
- Table American Airlines AAdvantage Loyalty Program: Key Usage Metrics, 2014-2016
- United Airlines
- Table United Airlines MileagePlus Loyalty Program: Key Revenue Metrics, 2014-2016
- Table United Airlines MileagePlus Loyalty Program: Key Usage Metrics, 2014-2016
- Southwest Airlines
- Table Southwest Airlines Co-Branded Cards, Features and Benefits, by Card, 2017
- Airline revenue and passenger analysis
- Table Airlines with Co-Branded Credit Card Programs, by Passengers Flown and Card Issuer, 2016
- Table Airlines with Co-Branded Credit Card Programs, by Revenue Passenger Miles and Card Issuer, 2016
- Table U.S. Airline Operating Revenue: Total and Top 11 Passenger Airlines, 2016
- Table U.S. Airline Revenue: Total and Top 11 Passenger Airlines, by Revenue Category, 2016
- Frequent flyer membership over time
- Table Frequent Airline Travel: Percentage Usage, Domestic and International, 2007-2017
- Airline credit card users, by flying frequency
- Table Airline Credit Card Users, by Domestic and Foreign Airline Travel Frequency, 2017
- Table Airline Credit Card Users, by Domestic and Foreign Airline Travel Frequency Share, 2017
- Frequent flyer program usage
- Table Frequent Flyer Member Last Domestic Round Trip, by Airline Loyalty Program and Airline Flown, 2017
- Table Frequent Flyer Members: Have Airline Credit Card, by Airline Loyalty Program, 2017
- Airline credit card users, frequent flyer program membership and program redemption
- Table Airline Credit Card, Frequent Flyer Program Members and Redeemers, and Frequent Flyers: Gender, Age and HH Income, 2017
- Table Airline Credit Card, Frequent Flyer Program Members and Redeemers, and Frequent Flyers: Cross Usage, 2017
- Table Frequent Flyer Airline Credit Card Use & Frequent Flyer Program Membership and Redemption, by Age and HH Income, 2017
- The hotel co-brand segment
- Co-branded hotel credit card programs
- Table Hotel Co-Branded Credit Cards, by Company, Issuer and Network, 2017
- Cardable opportunity
- What can the Marriott/Starwood merger tell us?
- Hotel credit card users
- Table Hotel Credit Card Users, by Domestic Personal and Business Nights Stayed, 2017
- Hotel credit card users, hotel loyalty program membership and redemption
- Table Hotel Credit Card Users and Hotel Loyalty Program Members and Redeemers, 2017
- Table Hotel Credit Card, Hotel Loyalty Program Membership and Redemption: Cross Usage, 2017
- Hotel credit card users, hotel loyalty program membership and program redemption
- Table Hotel Credit Card, Hotel Loyalty Program Membership and Redemption, by Gender, Age and HH Income, 2017
- Table High-Frequency Domestic Hotel Users: Business vs. Personal Use, by Gender, Age and HH Income, 2017
- The retail co-brand segment
- Co-branded retailer credit cards
- Table Consumer Co-Branded Retail Credit Card Programs, by Segment, 2017
- Table Club, Department and Discount Store Co-Branded Credit Cards, by Company, Issuer, Network and Segment, 2017
- Table E-Commerce Co-Branded Credit Cards, by Company, Issuer, Network and Segment, 2017
- What the Costco card program can tell us
- Table Costco AnyWhere Visa vs. American Express True Earnings, 2015 vs. 2017
- What the Amazon card program can tell us
- Amazon credit cards
- Table Amazon Credit Cards: Purchase Value and Share of U.S. Net Sales, 2015-2010
- Table Amazon Credit Card Purchase Value by Card Type, 2015-2010
- Table Amazon Rewards Visa and Amazon Store Card Usage, 2015-2017
- What can Macy's and Target teach us about loyalty and app engagement?
- Table Retailer-Specific Mobile App Usage: Smartphone Users, by Demographic, 2017
- Table Usage and Interest in Retailer-Specific Mobile Apps, by Feature, 2017
- Macy's
- Table Macy's Credit Card: Rewards Tiers and Benefits, 2017
- Target
- Co-Brand and Affinity Credit Card Issuers
- Bank of America
- Own-brand strategy: refining the brand proposition
- Table Bank of America, Consumer Own-Branded Credit Cards, by Network and Rewards Type, 2017
- Co-brand and affinity card programs
- Co-brand cards
- Table Bank of America Consumer Co-Branded Credit Cards, by Network, Rewards Type and Affiliation, 2017
- Still some affinity programs left
- Table Bank of America, Major Affinity Credit Cards, 2017
- Barclays
- Co-brand credit card growth and trends
- A travel and entertainment skew
- Table Barclays Co-Branded Credit Cards: Consumer, Business, Rewards Type and Affiliation, 2017
- JetBlue
- Performance analysis
- Table Barclays U.S. Credit Card Purchase Value and Loans Outstanding, 2014-2016
- Capital One
- Co-brand moves
- Table Capital One Financial: Co-Brand Credit Card Program Partners, by Affiliation, 2017
- Cabela's: The last independent crown jewel
- Table Capital One Financial: Co-Brand Credit Card Program Purchase Value and Loans Outstanding, 2015-2016
- Citibank
- Competitive strategy
- Own-brand moves
- Table Citi Consumer Own-Branded Credit Cards, by Network and Rewards Type, 2017
- Co-brand moves
- Table Citi Co-Branded Credit Cards, by Network, Rewards Type and Affiliation, 2017
- American Airlines
- Costco
- Table Costco Credit Card Metrics, 2015-2017
- JPMorgan Chase
- Value proposition
- Own-branded card moves
- Table JPMorgan Chase, Consumer Own-Branded Credit Cards, by Network and Rewards Type, 2017
- Co-branded card moves
- Table JPMorgan Chase Co-Branded and Affinity Credit Cards, by Network, Rewards Type and Affiliation, 2017
- Key co-brand accounts
- Synchrony Financial
- Growth strategies
- Retail Card segment
- Table Synchrony Financial Retail Card Partners, by Segment & Start, Renewal and Contract Expiration Date, 2017
- Co-brand credit card performance analysis
- Table Synchrony Financial: Retail Card Co-Branded and Private Label Credit Card Purchase Value and Loan Receivables, 2015-2016
- Key co-brand credit card programs
- U.S. Bank
- Own-branded credit card trends
- Table U.S. Bank Consumer Own-Branded Credit Cards, by Network and Rewards Type, 2017
- Co-branded strength and stability
- Table U.S. Bank Consumer Co-Branded Credit Cards, by Network, Rewards Type and Affiliation, 2017
- Other players
- Alliance Data Systems
- Table Alliance Data Systems Co-Brand Credit Card Purchase Value and Loans Receivable, 2015-2016
- Commerce Bank
- First National Bank of Omaha
- Table First National Bank of Omaha Consumer Co-Branded Credit Cards, by Partner, Network and Affiliation, 2017
- TD Bank
- Table Nordstrom Private Label and Co-Brand Credit Cards, Loans Outstanding and Payment Value, 2012-2016
- Table Target Private Label and Co-Brand Credit Cards, Loans Outstanding and Payment Value, 2016
- Wells Fargo
- Card Association Co-Brand and Affinity Credit Card Strategies
- American Express
- Value proposition
- Challenges and strategies
- Hard benefits and soft benefits
- Card portfolio
- Own-branded credit cards
- Table American Express Own-Branded Credit Cards: Consumer, Business and Rewards Type, 2017
- Co-branded credit cards
- Table American Express Co-Branded Credit Cards: Rewards Type and Affiliation, 2017
- Co-brand purchase value analysis
- Table American Express Co-Branded Credit Card Purchase Value, by Card Partner, 2015-2016
- Tale of the tape
- Account departures
- Table American Express Costco Credit Card Metrics, 2015-2016
- Core accounts
- Table American Express Delta SkyMiles Credit Card Metrics, 2014-2016
- Global Network Services: co-brand connection
- MasterCard
- Co-branded credit card purchase value and programs
- Table Co-Branded Credit Cards: Purchase Value and Programs, by Network, 2016/2017
- Visa
- Co-branded credit card purchase value and programs
- Table Co-Branded Credit Cards: Purchase Value and Programs, by Network, 2016/2017
- Credit Card Usage Trends
- General-purpose credit card usage trends over time
- Table General-Purpose Credit Card Usage, by Network, 2008-2017
- General-purpose credit card usage in past 30 days
- Table General-Purpose Credit Card Usage in Past 30 Days, by Network, 2008-2017
- General-purpose credit card engagement rates over time
- Table General-Purpose Credit Card Engagement Rate, by Network, 2008-2017
- Demographic analysis: 2008 vs. 2017
- Table Active General-Purpose Credit Card Usage Share, by Age and Card Network, 2008 vs. 2017
- Table Active General-Purpose Credit Card Usage Share, by HH Income and Card Network, 2008 vs.2017
- Rewards credit cards: usage trends over time
- Table General-Purpose Credit Card Usage: Rewards vs. No Rewards, 2010-2017
- Table General-Purpose Rewards Credit Card Usage, by Card Network, 2010-2017
- Airline and hotel co-branded credit cards: usage trends over time
- Table Airline Co-Branded Credit Card Usage, by Card Network, 2010-2017
- Table Hotel Co-Branded Credit Card Usage, by Card Network, 2010-2017
- Demographic analysis: 2010 vs. 2017
- Table Credit Card Usage Share: Any Card, Airline Card and Hotel Card, by HH Income, 2010 vs. 2017
- Table Airline Co-Branded Credit Card Usage, by HH Income, 2010-2017
- Table Hotel Co-Branded Credit Card Usage, by HH Income, 2010-2017
- Co-Brand and Affinity Card Users
- Types of credit cards used
- Table General-Purpose Credit Cards Users: Own-Branded vs. Co-Brand/Affinity, 2017
- Table Co-Brand/Affinity Credit Cards Users, by Category, 2017
- Table Co-Brand/Affinity Credit Cards Used, Used in Past 30 Days and Used Most, by Type of Partner/Affiliation, 2017
- Table Co-Brand/Affinity Credit Card Engagement Rate, by Card Category and Type of Partner/Affiliation, 2017
- Demographic analysis
- Co-branded/affinity credit card users, by card category
- Table Co-Brand/Affinity Credit Cards Users, by Card Category and Demographic, 2017
- Co-branded/affinity credit card users, by monthly credit card spend & loans outstanding
- Table Co-Brand/Affinity Credit Cards Users, by Card Category, Monthly Credit Card Spending and Credit Card Loans Outstanding, 2017
- Co-branded/affinity credit card users, by co-brand/affinity credit card partner/affiliation
- Table Cardholder Gender, by Co-Brand Credit Card Partner/Affiliation, 2017
- Table Cardholder HH Income, by Co-Brand Credit Card Partner/Affiliation, 2017
- Table Cardholder Monthly Credit Card Spending, by Co-Brand Credit Card Partner/Affiliation, 2017
- Table Cardholder Credit Card Loans Outstanding, by Co-Brand Credit Card Partner/Affiliation, 2017
- Table Cardholder Self-Reported Credit Score, by Co-Brand Credit Card Partner/Affiliation, 2017
- Co-Brand Credit Card Application Influencers
- Overview
- Co-branded credit card application influencers
- Table Co-Brand Credit Card Application Influencers, 2017
- General-purpose credit card users: co-brand users vs. non-users
- Application influencers: perks, discounts and rewards
- Table Co-Branded Credit Card Application Influencers: Perks, Discounts and Rewards, Co-Branded Credit Card Holders vs. Non-Holders, 2017
- Application influencers: fees, interest and financing
- Table Co-Branded Credit Card Application Influencers: Fees, Interest and Financing, Co-Branded Credit Card Holders vs. Non-Holders, 2017
- Application influencers: other card benefits
- Table Co-Branded Credit Card Application Influencers: Other Card Benefits, Co-Branded Credit Card Holders vs. Non-Holders, 2017
- Co-branded credit card users: demographic analysis
- Gender
- Table Co-Branded Credit Card Users: Co-Branded Credit Card Application Influencers, by Gender, 2017
- HH income
- Table Co-Branded Credit Card Users: Co-Branded Credit Card Application Influencers, by HH Income, 2017
- Credit score
- Table Co-Branded Credit Card Users: Co-Branded Credit Card Application Influencers, by Credit Score, 2017
- Rewards Importance & Co-Brand Card Switch Factors
- The power of rewards
- Table Rewards-Related Factors Important to Rewards Credit Card Users, 2017
- Table Rewards-Related Factors Very Important to Rewards Credit Card Users, by Demographic, 2017
- Co-branded credit card used most: card switching motivators
- Table Factors Influencing Switch from Co-Brand Credit Card Used Most, 2017
- Appendix
- Methodology
- Consumer survey methodology
- Market size and forecast methodology
- Table indexes
- Terms and definitions