Focus Reports
Credit Card Rewards Importance & Trends: United States Report
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.
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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) | 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- 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
- Pivot to Affluence
- Pivot to Annual Fees
- Pivot to AI & Digital Innovation
- American Express
- JPMorgan Chase
- Bank of America
- Capital One
- Scope
- Sources
- Industry Codes
- Resources
- 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
