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市場調查報告書

信用卡利潤:COVID-19的新犧牲者?

Credit Card Rewards 2020: Another COVID-19 Victim?

出版商 Mercator Advisory Group, Inc. 商品編碼 941562
出版日期 內容資訊 英文 18 Pages
商品交期: 最快1-2個工作天內
價格
信用卡利潤:COVID-19的新犧牲者? Credit Card Rewards 2020: Another COVID-19 Victim?
出版日期: 2020年06月04日內容資訊: 英文 18 Pages
簡介

本報告以信用卡利潤相關消費者調查資料為基礎,提供美國的消費者的實用方面和目前獎勵計劃的缺點相關的系統性資訊。

刊載企業

    Albertson's
  • Ahold
  • Amazon
  • American Express
  • Bank of America
  • Capital One
  • Chase
  • Citi
  • Costco
  • Discover
  • FreshDirect
  • Grubhub
  • Hilton
  • Kroger
  • Marriott
  • Target
  • TD Bank
  • Uber
  • Walmart
  • Whole Foods

調查內容範例

調查的重點

  • 年會費的漏洞
  • 刺激支出當持卡人不再購買時
  • 利潤生態系統的混亂
  • 利潤的技術創新和利潤的未來
  • 發卡機構的利潤策略的變化
目錄

Strategies to save rewards cards programs from falling victim to COVID-19

Mercator Advisory Group's latest report suggests innovative strategies for credit card issuers to apply to counter the pandemic's economic consequences affecting their reward programs.

Credit card reward programs, a consumer benefit of using a credit card, will undergo change as consumers and financial institutions adapt to the new world of COVID-19. Credit card issuers that rely on rewards to attract and retain customers must consider the changing economic realities and construct programs that do more than link to weakened co-brand partners, advises Mercator Advisory Group's latest research report, Credit Card Rewards 2020: Another COVID-19 Victim?.

While many consumers gravitate to cash-back rewards, co-brand programs that feature alliances with airlines, cruises, and hotels leave consumers with points that may not be useful for several years. Rewards with cash options, such as those issued by American Express, Bank of America, Capital One, Chase, Citi, and Discover will find consumers more likely to gravitate toward cash options than rewards that provide options for hospitality and travel.

"Those aspirational trips to Hawaii lost their panache in 2020. So have hotels on South Beach and the south of France," commented Brian Riley, Director, Credit Advisory Service, at Mercator Advisory Group, the author of the research report. Riley adds that "credit card issuers need to re-gear credit card reward programs. If they do not, they will miss the way the market is moving."

This report analyzes Mercator Advisory Group's consumer survey data on credit card rewards and applies a practical view of both the U.S. consumer and shortcomings in current reward programs. With more than 225 million credit cards targeted at hospitality, retail, and travel, card issuers need strategies that appeal to the new normal. "Business is not business as usual today," commented Riley.

This document contains 18 pages and 9 exhibits.

Companies mentioned in this research note include: Albertson's, Ahold, Amazon, American Express, Bank of America, Capital One, Chase, Citi, Costco, Discover, FreshDirect, Grubhub, Hilton, Kroger, Marriott, Target, TD Bank, Uber, Walmart, and Whole Foods.

One of the exhibits included in this report:

Highlights of the research report include:

  • The vulnerability of annual fees
  • Motivating spending when cardholders no longer buy
  • Turbulence in the rewards ecosystem
  • Reward innovation and the future of rewards
  • Changes in issuers' reward strategies