Market Research Logo

The U.S. Market for Rewards Cards


Attention: There is an updated edition available for this report.

Rewards card programs have taken the lead - and are now the card of choice for consumers - as the card industry increasingly looks for ways to spur transaction growth, profit margins and customer loyalty in a slowing, mature, and highly competitive market. With more than 2.2 credit cards for every man, woman and child in the United States, getting into the consumer’s wallet has required more sophisticated and imaginative reward strategies geared toward personalization and differentiation, using novel points redemption programs and soft benefits. Rewards programs also increasingly capture lucrative interchange fees, as they go both downstream to the everyday consumer and upstream to the affluent consumer to drive spend and increase customer retention.

Relying heavily on detailed interviews with industry sources, The U.S. Market for Rewards Cards, a new report from Packaged Facts, contains a wealth of tables, charts, information, and concise and pointed analysis that provides well-founded insight into virtually all aspects of reward card industry. The report closely assesses what the industry players are up to: it provides a comprehensive analysis of each of the top 10 card issuers and their reward products, tracks the major developments faced by the rewards card market, and analyzes the umbrella strategies employed by Visa and MasterCard.

It also provides in-depth “focus points” on important industry drivers and trends, such as the nexus joining profitability, loyalty, and consumer spending patterns; the ramifications of the AMEX-MBNA partnership; debit rewards programs; and the retail landscape.

In doing so, the report assesses economic factors as consumer credit and debt trends and the effects of rising interest rates on card growth; consumer usage factors, such as customer retention and growth trends, rewards and benefits trends; and the shifting landscape of reward types, such as cash, miles, points, and other redemption choices.

The report also estimates the total value of rewards cards in circulation and projects the future of rewards card industry growth.

Report Methodology
The information in The U.S. Market for Rewards Cards is based on both primary and secondary research. Primary research involved on-site examination of the credit industry milieu, interviews with marketing, public relations and industry analysts within the credit industry and consultants to the industry. Secondary research entailed data-gathering from relevant trade, business, and government sources, including company literature. Consumer information was derived from Simmons Market Research Bureau, fall 2004 National Consumer Survey.

What You’ll Get in this Report
The U.S. Market for Rewards Cards 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. Market for Rewards Cards offers. Plus, you’ll benefit from extensive data, presented in easy-to-read and practical charts, tables and graphs.

How You Will Benefit from this Report
If your company is already competing in the rewards cards business, 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 rewards cards, as well as projected sales and trends through 2009. Contributing to that understanding will be a complete analysis of market data, and a detailed discussion of the rewards card consumer


  • 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 and Charge-Off Rates
        • Table Insured Commercial Banks – Delinquency Rates on Loans: 2000 - 2004
        • Table Charge-Off Rates
      • Mortgage Refinancing Responsible for Consumer Payment Health
      • Mortgage Refinancing Boom Driven by Low Interest Rates
        • Table Federal Funds Rate: 1999-2003
        • Table Federal Funds Rate: Monthly: 2004-2005
      • Home Equity Lines of Credit Sap Interest in Credit Cards
      • Home Equity Lending: HELOCs versus Home Equity Loans
        • Table Home Equity Lending Volume by Type of Financial Institution (billions of dollars)
      • Households Shift toward Mortgage Debt
        • Table MBA Long-term Mortgage Finance Forecast
      • Home Equity Lending Becomes a Preferred Vehicle
      • New Incentives to Boost Home Equity Borrowing
      • Creative Ways Banks Are Targeting Home Equity Line of Credit (HELOC) Loans
      • Home Equity Loans Weigh on Credit Card Industry Receivables
      • Future of Home Equity Not as Rosy
        • Table MBA Long-term Mortgage Finance Forecast
      • Electronic Payment Growth Drives Card Growth
      • Only Check Use Declines; Electronic Payments Increase
        • Table Annual Number of Noncash Payments in 2003 and 2000 (in billions)1
      • Check Payments Decline
      • Electronic Payments Grow Rapidly
        • Table Number of Electronic Payments in 2003 and 2000 (billions)
      • Debit Cards Grow Most Rapidly
        • Table Number and Value of Debit Card Transactions in 2003 and 2000
      • ACH Growth Continues
        • Table Number and Value of ACH Payments in 2000 and 2003
      • Credit Cards Grow Moderately
        • Table Number and Value of Credit Card Transactions in 2003 and 2000
      • Rewards Programs: a Key Growth Engine
        • Table Credit Card Choices: 1999 and 2003
  • Market Drivers and Their Impact on Rewards Landscape
    • Introduction
      • Shift of Spend to Plastic Continues
      • Consolidation/Competition
        • Table Top Ten Card Issuers, Outstandings (%)
        • Table 2003 U.S. Credit Card Issuers by Market Share: Number of Cards
      • Slower Card Growth?
      • Spend, Spend, Spend!
        • Table U.S. Charge Volume: 1999-2003 ($ figures in billions)
      • The Spend—Reward Nexus
      • The Spend—Profit Nexus
      • Spend Drives Interchange
      • Current Interchange Rates
      • Rewards Cards Push the Spend Envelope
      • No Wonder Rewards Cards Are Taking Over!
      • Percentage of Rewards to Total Cards Increases
      • Reward Cards in Wallet Grows
      • Rewards Propel Growth in Everyday Spend
      • Demand for Rewards Continues to Grow
      • Rewards Drive Loyalty and Retention
        • Table Reward Retention Factors*
      • Success with Cardholder Attrition
        • Table Why People Drop Out of Rewards/Loyalty Programs (2003)
      • Rewards Increasing Costs Outweighed by Benefits
      • Scale Imperative
      • Marketing and Rewards Redemptions Increase Program Costs
    • Market Size and Growth
      • Cards-in-Force
        • Table American Express Worldwide Cards-in-Force (in millions)
        • Table U.S. Total Cards in Force: 2004
      • Percentage of Rewards Credit Cards
      • Rewards Growth Continues
        • Table Rewards Credit Card Growth as a % of Overall Credit Card Growth: 2004-2009
      • Rewards Growth by Category
        • Table Type of Reward Card Held by Reward Card Holder: 2004 (%)
  • Company Profiles
    • American Express
      • Travel Related Services Division
      • American Express Card Trends
        • Table American Express Worldwide Cards-in-force (in millions)
      • Selection of Cards
      • Core Card Strategy
        • Table American Express: Proportion of U.S. Billings Shifts to Everyday Spend
      • Average Cardholder Spending Grows 18%
      • Success with Cardholder Attrition
      • New Growth Areas
      • Merchant Discount Fees: A “Value” Proposition
      • Discount Rate Declines in 2004
      • Targeted Marketing Ability: Taking Advantage of the “Closed Loop”
      • Rewards: A Key Lever
      • Cobrand Cards
      • Membership Rewards Program
      • Travel Related Services Income and Revenue
        • Table Selected Statistical Information (Billions, except percentages and where indicated)
      • American Express Selected Membership Rewards Offerings
    • Bank of America
      • Pertinent Card Facts
      • Mergers and Acquisitions
      • Global Consumer and Small Business Banking
      • Card Services
        • Table Total Revenue for Bank of America Card Services, Managed and Held
      • Consumer Deposit Products
        • Table Bank of America Consumer Deposit Products Revenue
      • Recent Card Activity
      • Efectiva Visa Platinum Geared toward Hispanic Market
    • Capital One Financial Corporation
      • Acquisition of Hibernia Corporation
      • Business Description
      • Capital One U.S. Card Segment Income and Revenue
        • Table Capital One U.S. Card Segment Information
    • Citigroup Inc.
      • Global Consumer Business Segment
      • Global Consumer: Cards Division
      • Recent Acquisitions
      • Focus on Travel and Rewards to Deliver Growth
      • Consumer Footprint
      • Thank You Rewards
      • Thank You Merchants
        • Table Citi Bank PassPremier Summary
      • The Chairman Card
      • Citi Cards Financial Information
        • Table Citi World Wide Cards Financial Information: 2002-2004
        • Table Global Consumer, Cards Division: Sales and Managed Loans
    • Discover Financial Services, Inc.
      • Morgan Stanley to Pursue Spin-off of Discover
      • Visa/MasterCard Suit Provides Room for Growth
      • Wal-Mart Discover Follows
      • PULSE Acquisition Strengthens DFS Network
      • Credit Services
      • Credit Cards and Services
      • Cashback Bonus Award Program
      • Discover Network
      • Card-Based Financial Information Credit Services
        • Table DFS Credit Services Income Statement: 2002-2004 (dollars in millions)
        • Table DFS Net Proceeds Received from Consumer Loan Sales: 2002-2004*
      • Net Interest Income
      • Delinquencies and Charge-Offs
      • Non-Interest Expenses
      • Managed General Purpose Credit Card Loan Data
        • Table General Purpose Credit Card Loans: Average Balance: 2002-2004
    • HSBC Card Services
      • Private Label Player
      • Increase in Credit Card Fees
      • Rewards
      • GM Card
      • Kmart Rewards
        • Table HSBC Total Card Receivables and Growth, 2003 (%)
    • JP Morgan Chase
      • JPM Card Services Division
      • Pertinent Card Highlights
      • The Bank One – JP Morgan Chase Merger
      • Card Services: 2004 compared with 2003
      • Rewards
      • Differentiated Rewards Strategy
      • Reward Types
        • Table 2003 U.S. Rewards Card Account Numbers
      • Customer Targets
      • Plans to Expand Credit Card Reach
      • Market Share Performance
      • Co-Brand Partnerships are the Key
      • New-to-Credit Initiatives
      • Selected Card Strategies
      • Card Growth
      • Credit Quality
        • Table Card Services Credit Quality
        • Table Card Services Other Data
    • MBNA Corporation
      • Products and Services
      • Credit Card Loans
      • The Affinity Card Leader
        • Table Card Balance and Usage: MBNA vs. Industry
      • WorldPoints
      • Recent Program Launches
      • Strength with Professional Organizations
      • NFL Affinity Program Extra Points: Unique, Experience-Based Rewards
        • Table Examples of Rewards and Redemption Levels: NFL “Extra Points”
      • Products for Each Stage of the Life Cycle
      • MBNA – American Express Agreement
      • Cards Provide MBNA with Cross-Selling Opportunities
      • Debit Not an Attractive Option
      • MBNA Financial Information
        • Table MBNA Net Income: 2000-2004(dollars in thousands)
      • Domestic Credit Card Loan Receivables Decrease
        • Table MBNA Loan Receivables Ratios: 2000-2004
        • Table MBNA Sales and Cash Advance Volume: 2000-2004 (dollars in thousands)
        • Table MBNA Total Managed Loans: 2000-2004 (dollars in thousands)
      • Interchange Increasingly Important to Bottom-Line Growth
      • Future Growth
    • U.S. Bancorp
      • Table US Bank Business Unit Results 2004 vs. 2003
      • Rewards
        • Table US Bank Percent Increase in Net Checking Accounts
        • Table US Bank Consumer Card Transaction Growth
      • CheckCard Rewards: “Checking That Pays”
      • New Rewards Launches
      • Card-Based Financial Information Payment Services
        • Table US Bank Non-Interest Income (Dollars in Millions)
        • Table US Bank Loan Portfolio Distribution (dollars in millions)
        • Table US Bank Retail: Credit Card Delinquencies: 2003-2004
        • Table US Bank Net Charge-offs as % of Average Loans Outstanding: 2000-2004
        • Table US Bank Delinquent Loan Ratios as % of Ending Loan Balances: 2000-2004
    • Wells Fargo & Company
      • Table Wells Faro Quick Facts
      • Card Strategy
        • Table Wells Fargo Customer Credit and Debit Penetration: 1999-2004
        • Table High-Value* Checking Account Who Leave Wells Fargo (%) Customers Who Leave Us percent
        • Table Wells Fargo Products per Banking Household
        • Table Wells Fargo Homeowner-Banking Customers with Mortgage Products percent
        • Table Wells Fargo Commercial/Corporate Products Per Banking Customer
        • Table Wells Fargo Homeowner-Banking Customers with Home Equity Products percent
        • Table Wells Fargo New Retail Checking Customers Who Buy a Wells Fargo Pack* percent
        • Table Wells Fargo Retail Banking Households with Credit Cards percent
        • Table Wells Fargo Retail Checking Households with Debit Cards percent
      • Wells Fargo Enhanced Rewards Program
  • The Associations
    • Visa
      • Visa Membership
        • Table Visa Membership
      • Traditional Platform
      • Visa Extras Introduced in January 2004 to Reward Everyday Spender
      • Consumer Debit
      • Revenues
      • Card Service Fees
        • Table Visa 2004 U.S. Card Statistics
    • MasterCard
      • Consumer Programs — Credit and Charge
      • Revenues
      • World MasterCard Upgrade
        • Table 2004 MasterCard Card Growth*
        • Table 2004 MasterCard Card Growth*
        • Table 2003 MasterCard Card Growth*
        • Table 2003 MasterCard Card Growth*
  • Advertising
    • Card and Reward Card Advertising, Branding, and Targeted Marketing Trends
      • Direct Mail: Credit Card Issuers Mail More Reward Card Offers than Non-Reward Offers
        • Table Mail Volume Estimates from Mail Monitor
        • Table Average Number of Offers Among HH Receiving Offers
      • Brand Building Imperative to Growth
        • Table 2003 U.S. Credit Card GDV by Brand, Customer Brand Recognition, and Advertising Expenditures
      • Targeted Marketing Ability: American Express Takes Advantage of the “Closed Loop”
      • MasterCard: Driven by Technology
  • Debit Card Rewards
    • What are Debit Cards?
      • Consumer Selling Points
      • Issuer Selling Points
      • Debit Reward Function Differentiated from Credit Reward Function
      • PIN vs. Signature
        • Table Online vs. Offline: A Tabled Synopsis
    • Debit Card Market Share and Growth
      • Table U.S. Debit Card Market Share 2004
      • Table Number and value of US debit card transactions 2000-2003
      • Debit Transactions Outstrip Cash
      • Debit Card Users Want Rewards
      • Consumers Prefer Debit to Credit for Everyday Purchases
    • Debit Rewards the New Growth Strategy: Platforms and Programs Proliferate
      • Visa Extras Debit Rewards Platform
      • MasterCard Expands Debit Rewards
      • Focus: Cross-Selling, the Wells Fargo Way
        • Table New Retail Checking Customers Who Buy a Wells Fargo Pack* (percent)
        • Table Wells Fargo Products Per Banking Household
        • Table Wells Fargo Retail Checking Households with Debit Cards (percent)
        • Table Wells Fargo Retail Banking Households with Credit Cards (percent)
        • Table Wells Fargo Homeowner-Banking Customers with Mortgage Products (percent)
        • Table Wells Fargo Commercial/Corporate Products per Banking Customer
        • Table Wells Fargo Homeowner-Banking Customers with Home Equity Products (percent)
        • Table High-Value* Checking Account Who Leave Wells Fargo (%)
      • The Bottom Line
      • Signature-Based Debit Programs the Norm
      • Richness of Debit Rewards Lags Credit Rewards
      • Debit Volume Offsets Interchange Fee Reduction for Large Banks
      • Mid- and Small-Size Players Offer Debit Rewards
    • Consumer Debit Cards & Consumer Debit Cards Rewards Programs
      • Table Rewards Debit Cards: Number and Percentage of Debit Cards Offered
      • Bank of America
        • Table Bank of America GM Visa Check Card
        • Table US Airways Dividend Miles Visa Check Card
        • Table Alaska Airlines Visa Check Card
        • Table America West FlightFund Visa Check Card
      • JP Morgan Chase
      • BankOne
        • Table United Mileage Plus THE ONE Card
      • Chase
        • Table Chase/Continental Airlines Banking Card
        • Table Chase/Continental Airlines Banking Card Options
        • Table Chase Banking Card with Leisure Rewards
      • Citibank
        • Table The Basic Plan
        • Table The Premium Plan
      • US Bank
        • Table Cash Bonus Visa Check Card
        • Table U.S. Bank Check Card with Visa Extras
        • Table Harley-Davidson Visa Check Card
      • Wells Fargo
  • Retail Rewards Cards
    • The State of the Private Label Market—In Brief
      • Retailers Focus on CRM
      • Rewards an Integral Part of Building Customer Experience
      • Supermarket Shoppers Prefer Lower Prices to Rewards
      • Loyalty Penetration High
      • Food Items Most Redeemed
      • Younger Shoppers Shopping Choice More Influenced by Loyalty than Older Shoppers
      • Retail Grocer Giant Kroger Rewards Customers with Groceries and Savings
      • Consumer Electronics Giant Circuit City Launches Two Rewards Cards
      • Exclusive Retailer Neiman-Marcus Fares Well with Reward Program
      • Specialty Apparel Retailer Gap Launches Cross-Brand GapCard
      • Large Retailers Offer Gas Incentives
      • Private Label Gas Cards Being Retooled
      • GE and Discover Shake Up Retail with the Wal-Mart Card
    • Retail Cards: A Tabled Synopsis
      • Wal-Mart
        • Table Wal-Mart Credit Card and Wal-Mart Discover
      • Kroger
        • Table 1-2-3 REWARDS MasterCard
      • Target
        • Table Target Visa
      • Costco
        • Table Paid Costco Executive Membership 2% Reward
        • Table The TrueEarnings Card from Costco and American Express
      • Sears
        • Table Sears Card (all cards issued by Citibank)
        • Table Sears Gold MasterCard
        • Table Sears Premier Program
    • Safeway
      • Table Safeway Club Card
      • Table Upromise Linked to Safeway Club Card
      • CVS
        • Table CVS ExtraCard Card*
      • Kmart
        • Table Kmart Rewards Credit Card
      • Publix
        • Table Publix Uprmise Program* (issued by Citibank)
      • Rite Aid
        • Table Rite Rewards Discount Card
      • Gap
        • Table GapCard (issued by GE)
      • Federated Dept. Stores
      • Macy’s
        • Table Macy’s Red Star Card Benefits
        • Table Macy’s Gold Star Card Benefits
        • Table Macy’s Platinum Star Card Benefits
        • Table Macy’s Elite Star Card Benefits
      • May Dept. Stores
        • Table Marshall Fields Card
      • Staples
        • Table Staples Rewards
      • Office Depot
        • Table Office Depot Personal Credit Account (issued by Citibank)
      • Winn-Dixie
        • Table Winn-Dixie Customer Reward Card
      • Toys “R” Us
        • Table Toys “R” Us Visa Card (Chase)
      • Meijer
        • Table Meijer Platinum MasterCard
      • The Great Atlantic & Pacific Tea Company (A&P)
        • Table A&P Baby Bonus Savings Club
      • Circuit City
        • Table Circuit City Rewards Visa
      • Dillard’s
        • Table Dillard’s Credit Card VIP Rewards**
      • BJ’s Wholesale Club
        • Table BJ’s MasterCard
      • Nordstrom
        • Table Nordstrom Platinum Visa Credit Card
      • Amazon.com
        • Table Amazon.com Platinum Visa Card
      • Borders
        • Table Borders and Waldenbooks Platinum Visa card
      • Neiman Marcus Group
        • Table Incircle Membership using your Neiman Marcus Charge Card
  • New Trends and Markets
    • Soft Benefits: An Important Rewards Differentiator and Spend Driver
      • Hard Benefits Defined
      • Soft Benefits Equally Important
      • Special Access
      • Special Privileges
      • Special Pricing
      • New Trends in Using Rewards Programs: Card-Centric vs. Relationship Building
      • New Market Opportunities Abound
        • Table New Market Opportunities
      • Rewards Drive Recurring Bills Behavior
      • American Express Utilizes Automated Bill Payment Platform
      • Automatic Bill Pay for Small Business Owner Increases
      • Automatic Bill Pay Rewards Launches
      • Bonus Points Drives Recurring Bill Pay Growth
      • Room Left to Convert Quick Service Restaurants
      • Visa Sizes Up Government Payments
      • Small Businesses Underserved by Rewards Programs
      • Healthcare: HSAs Provide Huge Growth Opportunity
      • Competition Foreseen Between Banks, Credit Unions and Healthcare Companies
      • Recent Bank HSA Initiatives
      • Smaller Banks Enter the Fray
      • New-to-Credit Initiatives
      • Growth in Everyday Spend
      • Technology Enhances Reward Redemption Process
      • Retail Cross-Selling Important
      • Case In Point: Wells Fargo and Cross-Selling
        • Table New Retail Checking Customers Who Buy a Wells Fargo Pack* (percent)
        • Table Products Per Banking Household
        • Table Retail Checking Households with Debit Cards (percent)
        • Table Retail Banking Households with Credit Cards (percent)
        • Table Homeowner-Banking Customers with Mortgage Products (percent)
        • Table Homeowner-Banking Customers with Home Equity Products (percent)
        • Table High-Value* Checking Account Customer Who Leave Wells Fargo (%)
      • Chase and Citi to Expand Credit Card Reach
      • New Communication Methods with Cardholders
  • Reward Types
    • Rewards Growth by Category
      • Table Type of Reward Card Held by Reward Card Holder: 2004 (%)
      • Airline Rewards Programs
        • Table 2003 Bank One Rewards Card Account Numbers
      • Industry Risk
      • Major Airlines Bailed Out by Card Companies
      • Airline Rewards Programs Adapt
      • Delta SkyMiles Program
      • Flexible Rewards Programs Add to the Mix
        • Table ATA Monthly Passenger Traffic Report: Scheduled Mainline Service:
      • Passenger Traffic Trends
        • Table ATA Monthly Passenger Traffic Report
        • Table ATA Monthly Passenger Traffic Report
        • Table ATA Monthly Passenger Traffic Report
        • Table ATA Monthly Passenger Traffic Report
        • Table ATA Monthly Passenger Traffic Report
      • Home Equity
      • Tuition Rewards Programs Tap Concerns Over Rising Tuition
      • The Value of a Point
      • Restaurants Utilize Dining Rewards Cards
    • Credit Cards Organized by Reward Type
    • Airline Cards
      • Bank of America
        • Table U.S. Airways Visa Signature Card
        • Table U.S. Airways Visa Platinum
        • Table U.S. Airways Visa Gold
        • Table U.S. Airways Visa Classic
        • Table Alaska Airlines Visa Signature
        • Table Alaska Airlines Visa Platinum
        • Table Alaska Airlines Visa Gold
        • Table Alaska Airlines Visa Classic
        • Table America West FlightFund Platinum Visa
        • Table America West FlightFund Visa
      • Bank One
        • Table Southwest Airlines Rapid Rewards Visa Signature Card
        • Table Value Miles Platinum Visa Card
        • Table United Mileage Plus Visa Signature Card
      • Chase
        • Table Continental Airlines World MasterCard
        • Table Continental Airlines Platinum Card
      • Discover
        • Table The Miles Card from Discover Card
      • US Bank
        • Table ATA Visa Platinum card
        • Table The SKYPASS Visa Platinum card
        • Table SKYPASS Visa Classic card
        • Table SKYPASS Visa Secured card
        • Table SkyBlue SKYPASS Visa card
        • Table WorldPerks Visa Platinum Card
        • Table WorldPerks Visa Signature Card
    • Automotive Reward Cards
      • Bank of America
        • Table Chrysler Rewards Visa
        • Table Jeep Rewards Visa
        • Table Dodge Rewards Visa
      • Bank One
        • Table Audi Visa Signature Card
        • Table Volkswagen Platinum Visa Card
      • Chase
        • Table Subaru MasterCard
      • Citibank
        • Table Citi Driver's Edge Platinum Select Card (MasterCard)
      • HSBC
        • Table GM Card
        • Table GM Extended Family Card
    • Cash Rebate Cards
      • Bank of America
        • Table Money Return Visa
      • Bank One
        • Table The AARP Rewards Platinum Visa Card
        • Table Free Cash Rewards Platinum Visa Card
      • Chase
        • Table Chase Cash Builder
      • Citibank
        • Table Citi Dividend Platinum Select Card
      • Discover Card
        • Table The Discover Card
      • US Bank
        • Table US Bank Cash Rewards Visa Card
        • Table US Bank Cash Rewards Visa Cash Reward Ratio
      • Wells Fargo
        • Table Wells Fargo Cash Back Card
    • Charity and Association Cards
      • Bank One
        • Table Anne Geddes Visa Gold
        • Table AKC Rewards Visa Card
        • Table AACN Visa Card
    • Financial/Banking Fees Cards
      • Bank One
        • Table ShareBuilder Platinum Visa Card
      • Citibank
        • Table Citi Home Rebate Platinum Select MasterCard (MasterCard)
        • Table Citi Upromise Platinum Select MasterCard
      • US Bank
        • Table US Bank College Rewards Visa Card
    • Flexible Rewards
      • American Express Membership Rewards
      • Bank of America
        • Table Power Rewards Visa Platinum
      • Bank One
        • Table Flexible Rewards Visa Signature Card
        • Table Extraordinary Rewards Platinum Visa Card
      • Citibank
        • Table Citi Diamond Preferred Rewards Card (MasterCard)
        • Table Citi PremierPass Cards - Elite Level Rewards (MasterCard)
        • Table Citi PremierPass Card (MasterCard)
      • MBNA
        • Table MBNA WorldPoints Program
        • Table MBNA Rewards American Express Card
      • US Bank
        • Table U.S. Bank Visa Signature Card
    • Gas Cards
      • Bank One
        • Table Platinum BP Visa Card
      • Chase
        • Table Chase PerfectCard
        • Table Marathon Platinum MasterCard
        • Table Speedway SuperAmerica Platinum MasterCard
    • Retailers, Merchandise and Services Rewards Cards
      • Bank One
        • Table Amazon Platinum Visa Card
        • Table Ann Taylor Visa Card
        • Table AOL Platinum Visa Card
        • Table The Avon Platinum Visa Credit Card
        • Table The BellSouth Rewards MasterCard
        • Table BJ's Platinum MasterCard
        • Table Borders and Waldenbooks Platinum Visa Card
        • Table Buy Platinum Visa Card
        • Table Classic Industries Platinum Visa Card
        • Table EAS Rewards Platinum Visa Card
        • Table Irving Platinum Visa Card
        • Table Mack's Prairie Wings Platinum Visa Card
        • Table Orvis Conservation Platinum Visa Card
        • Table Philips Platinum Visa Card
        • Table Reader's Digest Platinum MasterCard
        • Table The Sprint Rewards Visa Card
        • Table Starbucks Card Duetto Visa
        • Table YAHOO! Titanium Visa Card
        • Table Sony Card
      • Chase
        • Table Chase Platinum
        • Table Chase Platinum for Students
        • Table Chase Ultimate Rewards Platinum MasterCard
        • Table Hess Visa Platinum from Chase
        • Table Toys “R” Us Visa Card
      • Discover
        • Table Wal-Mart Discover
    • Sports, Entertainment and Hobbies Cards
      • Bank One
        • Table The Edge Platinum Visa Card
        • Table Universal Golf Ticket Platinum Visa Card
        • Table Disney's Visa Card
        • Table The Grand Ole Opry Platinum Visa Card
        • Table Live Broadway Platinum Visa Card
        • Table The MGM MIRAGE Rewards Visa Card
        • Table Trump Rewards Visa
      • Chase
        • Table Universal Entertainment MasterCard
        • Table Universal Entertainment Student MasterCard from Chase
    • Travel Cards
      • Bank of America
        • Table MilesEdge Card
        • Table Choice Privileges Visa Platinum Card
      • BankOne
        • Table AAA of Northern California, Nevada, and Utah (Visa)
        • Table British Airways Visa Signature Card
        • Table KOA Kamper Rewards Platinum Visa Card
        • Table Marriott Rewards Visa Signature Card
        • Table Priority Club Rewards Platinum Visa Card
      • Chase
        • Table Chase Travel Rewards Platinum MasterCard
      • Citibank
        • Table Citi Platinum Select / AAdvantage World MasterCard
        • Table Citi Gold / AAdvantage World MasterCard
      • US Bank
        • Table U.S. Bank Visa Travel Rewards Card
  • The Consumer
    • Youth Market Drives Migration Away from Cash and Check
      • It’s All About Choice
      • Enhancing the Customer Experience
      • Engaging the Customer at Various Points in the Lifecycle
      • Experiential Rewards
      • Affluent Rewards Space Intensifies
      • Visa Signature Affluent Card Segment Grows 30 Percent
      • Affluent Love Luxury Rewards
      • Luxury Tie-Ins
      • The Wealthy Like Cash . . .
      • And Will Pay a Premium
    • Ownership and Use of Credit Cards
      • Note on Simmons Market Research Bureau Data
      • Data Presented for 12 Co-Branded Cards
      • Approximately Seven in Ten Adults Have/Use Credit Cards
        • Table Consumer Ownership and Use of Co-Branded Credit Cards by Type, 2004
      • Co-Branded Visa Credit Card Holders
      • Airline/Hotel Co-Branded Cardholders: Older, More Upscale, Homeowners
      • Automotive Visa Skews to Middle Income, Oldest Age Group, Midwest
      • Automotive Co-Branded Cardholders: Male and Middle-Income – with a Larger Family
      • Younger Consumers Well Represented Among Automotive and Affinity Card Holders
      • Asian American and Black American Usage
      • The Marital Factor
        • 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
        • 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
      • Airline/Hotel Discover Holders: Divorced Asian Americans with Five or More Children and Minimal Education
      • Automotive Discover Skews to Middle Income Asian Americans
      • Discover Affinity Card—Younger and More Affluent
      • 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
      • Factors Differentiating Co-Branded American Express Users from Average American Express Users
      • Airline/Hotel American Express Holders: Affluent Asians and Whites with Young Children
      • Automotive American Express Skews to Asian and Black Americans, Singles, and Midwest
      • American Express Affinity Card—Younger/Middle Aged, West
        • Table Demographic Characteristics Favoring Ownership and Use of Co-Branded American Express Club Cards (U.S. Adult Population)
  • Developing Card Litigation and Regulation Issues
    • New Venture with MBNA Results from Visa/MasterCard Settlement
      • November 2004 Launch
      • Wal-Mart Discover Follows
      • American Express and Discover File Subsequent Lawsuits
      • Minimum Payments Changes Required by FFIEC Begin to Go into Effect
      • Interstate Card Taxation Issues Emerge
      • Credit Card Disclosure Legislation on the Hill
      • Sarbanes-Oxley Act Compliance Still an Issue
      • Currency Conversion Litigation against Visa and MasterCard
      • Additional Conversion Fee Litigation
      • American Express Repays U.S. Cardholders on Foreign Currency Purchases
      • MBNA Slapped with Investor Class-Action Suit
      • J.P. Morgan Chase Settles 5-Year-Old Bank One Class Action Suit
      • Illinois Attorney General Sues Two Card Companies for Allegedly Preying on Hispanics
  • Credit Cards Organized by Issuer
    • American Express Membership Rewards 22 Hotel Rewards Programs
    • Bank of America
      • Airlines Cards
        • Table US Airways Visa Signature Card
        • Table US Airways Visa Platinum
        • Table US Airways Visa Gold
        • Table US Airways Visa Classic
      • Alaska Airlines Visa Cards
        • Table Alaska Airlines Visa Signature
        • Table Alaska Airlines Visa Platinum
        • Table Alaska Airlines Visa Gold
        • Table Alaska Airlines Visa Classic
      • America West FlightFund Visa Cards
        • Table America West FlightFund Platinum Visa
        • Table America West FlightFund Visa
      • Travel Reward Cards
        • Table MilesEdge Card
        • Table Power Rewards Visa Platinum
        • Table Choice Privileges Visa Platinum Card
      • Automotive Reward Cards
        • Table Chrysler Rewards Visa
        • Table Jeep Rewards Visa
        • Table Dodge Rewards Visa
      • Cash Rebate Cards
        • Table Money Return Visa
      • Special Interest Cards
        • Table Anne Geddes Visa Gold
        • Table Student Visa Platinum
    • BankOne
      • Travel Rewards Cards
        • Table AAA of Northern California, Nevada, and Utah (Visa)
        • Table Audi Visa Signature Card
        • Table British Airways Visa Signature Card
        • Table Flexible Rewards Visa Signature Card
        • Table KOA Kamper Rewards Platinum Visa Card
        • Table Marriott Rewards Visa Signature Card
        • Table Priority Club Rewards Platinum Visa Card
      • Airline Rewards Cards
        • Table Southwest Airlines Rapid Rewards Visa Signature card.
        • Table United Mileage Plus Visa Signature Card
        • Table Value Miles Platinum Visa Card
      • Automobile Rewards Cards
        • Table Volkswagen Platinum Visa Card
      • Cash Rewards Cards
        • Table The AARP Rewards Platinum Visa Card
        • Table Free Cash Rewards Platinum Visa Card
      • Retailers, Merchandise and Services Rewards Cards
        • Table Amazon.com Platinum Visa Card
        • Table Ann Taylor Visa Card
        • Table AOL Platinum Visa Card
        • Table The Avon Platinum Visa Credit Card
        • Table The BellSouth Rewards MasterCard
        • Table BJ's Platinum MasterCard
        • Table Borders and Waldenbooks Platinum Visa Card
        • Table Platinum BP Visa Card
        • Table Buy.com Platinum Visa Card
        • Table Classic Industries Platinum Visa Card
        • Table EAS Rewards Platinum Visa Card
        • Table Extraordinary Rewards Platinum Visa Card
        • Table Irving Platinum Visa Card
        • Table Mack's Prairie Wings Platinum Visa Card
        • Table Orvis Conservation Platinum Visa Card
        • Table Philips Platinum Visa Card
        • Table Reader's Digest Platinum MasterCard
        • Table ShareBuilder Platinum Visa Card
        • Table The Sprint Rewards Visa Card
        • Table Starbucks Card Duetto Visa
        • Table YAHOO! Titanium Visa Card
      • Sports Rewards Cards
        • Table The Edge Platinum Visa Card
        • Table Universal Golf Ticket Platinum Visa Card
      • Charities and Special Interest Groups Rewards Cards
        • Table AKC Rewards Visa Card
      • Entertainment and Hobbies Rewards Cards
        • Table Disney's Visa Card
        • Table The Grand Ole Opry Platinum Visa Card
        • Table Live Broadway Platinum Visa Card
        • Table The MGM MIRAGE Rewards Visa Card
        • Table Sony Card
        • Table Trump Rewards Visa
      • Professional Associations Rewards Cards
        • Table AACN Visa Card
      • Chase
        • Table Chase Cash Builder
        • Table Chase PerfectCard
        • Table Chase Platinum
        • Table Chase Platinum for Students
        • Table Chase Travel Rewards Platinum MasterCard
        • Table Chase Ultimate Rewards Platinum MasterCard
        • Table Continental Airlines World MasterCard
        • Table Continental Airlines Platinum Card
        • Table Hess Visa Platinum from Chase
        • Table Marathon Platinum MasterCard
        • Table Speedway SuperAmerica Platinum MasterCard
        • Table Subaru MasterCard
        • Table Toys “R” Us Visa Card
        • Table Universal Entertainment MasterCard
        • Table Universal Entertainment Student MasterCard from Chase
    • Citibank
      • Rewards Cards
        • Table Citi Dividend Platinum Select Card
        • Table Citi Platinum Select / AAdvantage World MasterCard
        • Table Citi Gold / AAdvantage World MasterCard
        • Table Citi Diamond Preferred Rewards Card (MasterCard)
        • Table Citi Driver's Edge Platinum Select Card (MasterCard)
        • Table Citi Home Rebate Platinum Select MasterCard (MasterCard)
        • Table Citi PremierPass Cards - Elite Level Rewards (MasterCard)
        • Table Citi PremierPass Card (MasterCard)
        • Table Citi Upromise Platinum Select MasterCard
    • Discover Card
      • Table The Discover Card
      • Table The Miles Card from Discover Card
      • Table Wal-Mart Discover
    • HSBC
      • Automotive Cards
        • Table GM Card
        • Table GM Extended Family Card
    • MBNA
      • Table MBNA WorldPoints Program
      • Table MBNA Rewards American Express Card
    • US Bank
      • Table U.S. Bank College Rewards Visa Card
    • Airlines Cards
      • Table ATA Visa Platinum card
      • SKYPASS Visa Cards
        • Table The SKYPASS Visa Platinum card
        • Table SKYPASS Visa Classic card
        • Table SKYPASS Visa Secured card
        • Table SkyBlue SKYPASS Visa card
        • Table U.S. Bank Cash Rewards Visa Card
        • Table U.S. Bank Cash Rewards Visa Cash Reward Ratio
        • Table U.S. Bank Visa Signature Card
        • Table U.S. Bank Visa Travel Rewards Card
        • Table WorldPerks Visa Platinum Card
        • Table WorldPerks Visa Signature Card
    • Wells Fargo
      • Table Wells Fargo Cash Back Card

Download our eBook: How to Succeed Using Market Research

Learn how to effectively navigate the market research process to help guide your organization on the journey to success.

Download eBook

Share this report