Rewards Credit Cards Market & Currency Types: United States Report

Report Overview

This report discusses the market for rewards credit cards and the types of rewards offered. The report includes survey data about consumer usage of rewards cards, with projections for 2026 and 2027.

Related NAICS Codes:
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

• Almost All Credit Card Payment Value Will Be on Rewards Cards
• Credit Card Users Put Their Rewards Card at Top of Wallet
• In 2026, US Consumers Will Reap $60 Billion in Credit Card Rewards
• Cards That Emphasize Points Generate the Most Rewards
• When It Comes to Earning and Redeeming Rewards, It Pays to Have Good Credit
• Rewards Credit Card Economics

• Cash Back Cards Will Extend Their Usage Leadership Position Through 2027
• Cash Back, Miles, & Hotel Credit Usage Penetration Is Also Rising
• Demographic Analysis by Cardholder Rewards Card Currency

• Scope
• Sources
• Industry Codes
• Resources

• Table 1 | Share of Consumer General-Purpose Credit Card Payment Value on Rewards Cards, 2019 – 2027 (% share)
• Table 2 | Percentage of US Consumers Who Have Credit Cards & Use a Rewards Credit Card Most to Make Payments, 2021 – 2026 (%)
• Table 3 | Value of US Consumer General-Purpose Credit Card Rewards Earned, Redeemed, & Not Redeemed, 2019 – 2026 (US$ bil)
• Table 4 | Value of US Consumer General-Purpose Credit Card Rewards Earned by Type of Reward, 2019 – 2024 (US$ bil)
• Table 5 | Share of US Consumer Credit Card Payment Value on Rewards Cards by Cardholder Credit Score, 2019 – 2027 (%)
• Table 6 | Value of US Consumer General-Purpose Credit Card Rewards Earned by Risk Tier, 2019 – 2024 (US$ bil)
• Table 7 | Average Annual APRs on Credit Card Accounts Assessed Interest, Average Annual Prime Rate, & Issuer APR Net Margin, 2016 – 2025
• Table 8 | Annual Issuer APR Net Margin, Credit Card Charge-Off Rate, and Net Margin After Loss, 2016 – 2025
• Table 9 | Share of US Consumer General-Purpose Credit Card Accounts by Type of Reward, 2019 – 2027 (%)
• Table 10 | Share of US Consumer General-Purpose Rewards Credit Card Accounts by Type of Reward, 2019 – 2027 (%)
• Table 11 | Percentage of US Adults Who Have General-Purpose Rewards Credit Cards by Rewards Type/Currency, 2022 – 2026
• Table 12 | Percentage of US Adults Who Have General-Purpose Rewards Credit Cards by Rewards Type/Currency & Household Income, 2026 (% & indexed usage)
• Table 13 | Percentage of US Adults Who Have General-Purpose Rewards Credit Cards by Rewards Type/Currency & Generation, 2026 (% & indexed usage)
• Table 14 | NAICS & SIC Codes Related to Credit Cards