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Freedonia Market Research Freedonia Focus Reports Credit Card Rewards Importance & Trends: United States

Credit Card Rewards Importance & Trends: United States Report

Focus Reports, United States

Report Overview

This report discusses the importance of, and trends in, credit card rewards programs, including programs operated by banks and partners such as airlines and hotel chains. The report includes survey data about consumer opinions regarding rewards programs and the value they place on specific rewards.

Related NAICS Codes

NAICS Code(s) Related to the Credit Card Rewards Importance & Trends Industry
NAICS Code(s) Code Description
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

HIGHLIGHTS
IMPORTANCE OF CREDIT CARD REWARDS & LOYALTY PROGRAMS
  • Who Says Loyalty Is Dead? As Long as Customers Feel Rewarded…
  • Loyalty Program Usage Penetration on the Rise
  • At the Moment of Decision, Loyalty Rewards Programs Drive Card Choice
  • More Broadly, Rewards Resonate but Don’t Lead in Importance
KEY CREDIT CARD REWARDS TRENDS
  • Pivot to Affluence
  • Pivot to Annual Fees
  • Pivot to AI & Digital Innovation
  • American Express
  • JPMorgan Chase
  • Bank of America
  • Capital One
ABOUT THIS REPORT
  • Scope
  • Sources
  • Industry Codes
  • Resources
LIST OF TABLES & FIGURES
  • Table 1 | Percentage of Adults Who Prefer to Shop at Stores Offering Loyalty Rewards by Degree of Preference, 2022 – 2026 (% of adults)
  • Table 2 | Frequent Flyer Program Members by Airline, 2022 – 2026 (% of adults)
  • Table 3 | Hotel Loyalty Program Enrollment by Program, 2022 – 2026 (% of adults)
  • Table 4 | Factors That Influence Card Choice When Making a Credit Card Payment, October 2025 (%)
  • Table 5 | Top 10 Co-Branded Credit Card Features That Users Deem Most Important, December 2025 (%)
  • Table 6 | Private Label Credit Card Features That Users Deem Most Important, 2025 (%)
  • Table 7 | Cumulative Growth in Personal Outlays by US Household Income Grouping, 2020 – 2025 (% of adults)
  • Table 8 | Share of All Personal Outlays by US Household Income Grouping, 2020 vs. 2025 (%)
  • Table 9 | Selected US Super-Premium Credit Cards and Annual Fees, 2020 vs. 2026 ($)
  • Table 10 | Percentage of Adults Who Pay an Annual Fee for a Credit Card, 2024 – 2026 (% of adults)
  • Table 11 | NAICS & SIC Codes Related to Credit Cards
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