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市場調查報告書

美國附屬信用卡市場(第8版)

Co-Branded Credit Cards in the U.S., 8th Edition

出版商 Packaged Facts 商品編碼 1021727
出版日期 內容資訊 英文 135 Pages
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價格
美國附屬信用卡市場(第8版) Co-Branded Credit Cards in the U.S., 8th Edition
出版日期: 2021年07月27日內容資訊: 英文 135 Pages
簡介

本報告按市場概況、信用卡銷售和購買、前 10 名附屬卡計劃購買、主要發行商和細分市場(航空、酒店、零售)探索美國附屬信用卡市場。詳細趨勢、營銷和忠誠度計劃策略、增長趨勢、新型冠狀病毒感染 (COVID-19) 的影響、消費者信用卡使用趨勢分析等。

目錄

執行摘要

  • 報告範圍
  • 調查方法
  • 市場概覽
    • 各大網購量變化
    • 長期支付趨勢正在加速
    • 信用卡的使用
    • 消費者債務償還
    • 信用卡優惠與減少的交易量相對應
    • 業務板塊復甦程度不同
    • 旅遊和酒店業復甦緩慢
    • 最大的附屬信用卡計劃
    • 消費金融
  • 發行人
    • 行業現狀
  • 航空公司合作夥伴關係
    • 航空公司忠誠度計劃
    • 對American Airline計劃的評估
    • Delta 計劃評估
    • United Airline計劃評估
  • 酒店合作
    • 聯盟
    • Hilton Revenues
    • InterContinental Hotels Group Rewards Club
    • Marriott Bonvoy Loyalty Program
  • 零售商合作夥伴關係
    • ЗЬヤロみЭシ提攜ロみЭ
    • Amazon Prime ヱяЖЧЬロみЭ
    • Costco Anywhere Visa
    • Target RedCard
  • 消費者
    • 30% 有附屬卡
    • 附屬卡模式:按附屬類型

市場概覽

  • 報告範圍
    • 各大網購量變化
    • 長期支付趨勢正在加速
    • 信用卡的使用
    • 消費者債務償還
    • 大流行期間借記卡的使用增加
    • 信用卡獎勵對應於較小的交易量
    • 發行人應對信用卡取消的策略
    • 數位商務
    • 非接觸式卡
    • 業務部門處於不同的恢復階段
    • 旅遊和酒店業復甦緩慢
    • 最大的附屬信用卡計劃
    • 消費信貸

發行人

  • 行業現狀
    • 新型冠狀病毒感染 (COVID-19) 的影響
    • 其他銀行注意事項
  • American Express
  • Capital One
  • JPMorgan Chase
  • Citibank
  • Synchrony Financial

航空公司合作

  • 行業現狀
    • 美國最大的航空公司
    • 航空公司淨利潤暴跌
    • 2020 年美國五家最大的航空公司收入損失 760 億美元
    • 2020年全球航空業虧損3700億美元
    • 航空忠誠度計劃
    • 旅遊獎成為繼現金後最受歡迎的信用卡獎
    • 附屬信用卡促進消費者行為的力量
    • "免費" 獎勵機票的好處
    • 航空公司里程兌換指南
  • American Airlines
  • Delta Air Lines
  • JetBlue Airways
  • Southwest Airlines
  • United Airlines

酒店合作

  • 行業現狀
    • 最大的合作夥伴群體
    • 附屬品牌的關係
  • Hilton Worldwide
  • InterContinental Hotels Group
  • Marriot International

零售合作夥伴

  • 行業現狀
    • 商店卡和附屬卡
  • Amazon
  • Costco
  • Target

消費者

  • 附屬信用卡概覽
    • 四分之一的成年人擁有信用卡
    • 30% 自己的附屬信用卡
    • 附屬持卡人的人口統計資料
    • 附屬卡模式:按附屬類型
    • 附屬卡的人口統計:按附屬類型
    • 申請附屬卡的動機
目錄
Product Code: LA16452938

This report covers the U.S. market for co-branded credit cards, including retailer and travel cards, with an emphasis on credit card program features and benefits, marketing and loyalty program strategies, and growth trends. The report analyzes the impact of COVID-19 on the retail and travel sectors and on the co-branded credit card market, the going-forward strategies of top co-branded card issuers, key retailer programs and initiatives, and consumer use of co-branded cards.

More specifically, the report provides analysis and profiles of:

  • credit card receivables and purchase volume, including digital and contactless trends
  • purchase volume for the top ten co-branded card programs
  • retail, travel, and hospitality industry dynamics in the wake of COVID-19
  • reward categories most popular with consumers
  • leading co-branded card issuers: American Express, Capitol One, Chase, Citibank, and Synchrony Financial
  • leading airline co-branded card programs: American Airlines, Delta Air Lines, JetBlue Airways, Southwest Airlines, United Airlines
  • leading hotel co-branded card programs: Marriott International, Hilton Worldwide, InterContinental Hotels Group
  • leading retail/e-tail store co-branded card programs: Amazon/Prime, Costco, Target
  • co-branded card usage/monthly usage and cardholder demographics in comparison to major credit cards and to store cards overall, and also broken out by type (department store, warehouse club, airline/hotel, and Amazon/Prime).

Table of Contents

Executive Summary

  • Scope of Report
  • Report Methodology
  • Market Overview
    • Purchase Volume Trends for the Major Networks
      • Table: Purchase Volume for Mastercard, Visa and American Express, Quarterly, Q1 2020 - Q1 2021 ($billions)
    • Long-Term Payment Trends Accelerate
    • Credit Card Usage
      • Table: Share of U.S. Adults with Rewards Credit Cards: Overall and by Type of Reward, 2020 (percent)
    • Consumer Pay Down of Debt
      • Table: Revolving Credit - Change, Flow and Outstanding, 2016-Q1 2021
    • Credit Card Rewards Respond to Lower Transaction Volumes
    • Business Sectors Are at Different Stages of Recovery
    • Travel and Hospitality Industries Are Slower to Recover
    • Largest Co-branded Credit Card Programs
      • Table: Top Ten Co-branded Credit Card Programs by Purchase Volume, 2018-2020 ($billions)
    • Consumer Credit
  • The Issuers
    • Industry Context
      • Table: Credit Card Receivables and Purchase Volume, Leading Issuers, Q4 2020 vs. Q4 2019 ($billions)
  • Airline Partnerships
    • Industry Context
    • Airline Loyalty Programs
    • American Airlines' Program Valuation
    • Delta's Program Valuation
    • United Airlines' Program Valuation
  • Hotel Partnerships
    • Industry Context
    • Co-branded Relationships
    • Hilton Revenues
    • InterContinental Hotels Group (IHG) Rewards Club
    • Marriott Bonvoy Loyalty Program
  • Retailer Partnerships
    • Store Cards and Co-branded Cards
    • Amazon Prime Credit Cards
    • Costco Anywhere Visa
    • Target RedCard
  • The Consumer
    • 30% Have Co-Branded Cards
    • Co-branded Card Patterns by Type of Affiliation
      • Table: Co-branded Credit Card Usage Rates by Selected Types: Have in Own Name vs. Used in Last 30 Days, 2021 (percent of adults)

Market Overview

  • Scope of Report
    • Report Methodology
    • Purchase Volume Trends for the Major Networks
      • Table: Purchase Volume for Mastercard, Visa and American Express, Quarterly, Q1 2020 - Q1 2021 ($billions)
      • Table: Largest Credit Card Issuers by Receivables and Purchase Volume, 2020 ($billions)
    • Long-Term Payment Trends Accelerate
    • Credit Card Usage Trends
      • Table: Share of U.S. Adults with Rewards Credit Cards: Overall and by Type of Reward, 2020 (percent)
    • Consumer Pay Down of Debt
      • Table: Revolving Credit - Change, Flow and Outstanding, 2016-Q1 2021
    • Debit Card Use Increased During the Pandemic
    • Credit Card Rewards Respond to Lower Transaction Volumes
    • Issuer Strategies Combatting Credit Card Churn
    • Digital Commerce
    • Contactless Cards
    • Business Sectors Are at Different Stages of Recovery
    • Travel and Hospitality Industries Are Slower to Recover
      • Table: Number of Passengers Passing Through TSA Checkpoints on June 26th, 2019-2021
    • Largest Co-branded Credit Card Programs
      • Table: Top Ten Co-branded Credit Card Programs by Purchase Volume, 2018-2020 ($billions)
    • Consumer Credit
      • Table: Pandemic Unemployment Hit Leisure and Hospitality Industries Hardest

The Issuers

  • Industry Context
    • COVID-19 Pandemic Effects
      • Table: Credit Card Receivables and Purchase Volume, Leading Issuers, Q4 2020 vs. Q4 2019 ($billions)
    • Note on Other Banks
  • American Express
    • Overview
      • Table: American Express, Interest and Non-interest Revenue, Q1 2020- Q1 2021 ($billions)
    • Achieving Acceptance Parity with Visa and Mastercard
    • Small Business Saturday and Lower Merchant Discounts
  • Capital One
    • Overview
    • Capital One Purchase and Receivables Volumes
      • Table: Co-branded Credit Card Purchase Volume and Receivables, Capital One, 2018-2020 ($billions)
    • Key Program Partner: Walmart
  • JPMorgan Chase
    • Overview
      • Table: JP Morgan Chase: Co-branded Credit Card Purchase Value and Loan Receivables, 2018-2020 ($billions)
    • Snapshot of 2020 Consumer Lending
      • Table: JPMorgan Chase Income Statement, 2020 ($billions)
      • Table: JPMorgan Chase Credit Card Sales Volume and New Accounts, 2018- 2020
    • Chase Credit Card Income
      • Table: Components of JPMorgan Chase Credit Card Income, 2018- 2020 ($billions)
  • Citibank
    • Overview
    • Citi Branded Cards
      • Table: Citi Branded Card Services Co-branded Credit Card Purchase Value and Loan Receivables, 2018-2020 ($billions)
  • Synchrony Financial
    • Overview
      • Table: Key Synchrony Financial and Performance Metrics, 2019 and 2020 (in dollars)
      • Table: Synchrony Financial Co-branded Credit Card Purchase Value and Loan Receivables, 2018-2020 (in billions of dollars)

Airline Partnerships

  • Industry Context
    • Largest U.S. Airlines
      • Table: Largest U.S. Airlines by Revenue, 2018-2020
    • Airline Net Income Plunged
    • Revenue Dropped $76 Billion at Five Largest U.S. Airlines in 2020
    • Global Aviation Industry Lost $370 Billion in 2020
    • Airline Loyalty Programs
    • After Cash, Travel Rewards Are the Most Popular Credit Card Reward
    • The Power of Co-branded Credit Cards to Drive Behavior
      • Table: Average Miles Earned by Airline Credit Card Adopters, 2016-2018
    • Profits from a "Free" Award Ticket
      • Table: Issuer Profits from Travel Award Ticket
    • How the Airlines Steer Redemption of Miles
    • U.S. Airlines Are Mileage Marketing Companies with Loyalty Flights
      • Table: Market Value of Largest U.S. Airline Frequent Flyer Programs ($billions)
  • American Airlines
    • American Airlines' Program Valuation
    • Impact of COVID-10 on American
      • Table: American Airlines' Selected Operating Data, 2019-2020
    • Advantage Loyalty Program
    • Rewards Redemption
  • Delta Air Lines
    • Delta's Program Valuation
    • Delta SkyMiles and Flyer Loyalty Are Cornerstone of Revenue
    • Delta Looking for 2021 Revenue
      • Table: Categories of Delta Air Lines' Operating Revenues, 2018-2020 ($billions)
  • JetBlue Airways
    • Overview
    • Partnership with American Airlines
    • Enrolled vs. Elite Status
    • JetBlue's Barclay's Co-branded Credit Card
    • Goldman Sachs Vies for JetBlue's Co-branded Card Business
    • JetBlue Introduces Marcus Pay
    • Rewards are:
    • Benefits are:
  • Southwest Airlines
    • Overview
    • Southwest and the Pandemic
    • Even Southwest Lost Money in 2020
      • Table: Categories of Southwest Airlines Net Income, 2018-2020 ($billions)
      • Table: Categories of Southwest Airlines Operating Revenues, 2018-2020 ($billions)
    • Southwest's Rapid Rewards
    • Rapid Rewards' Response to Pandemic
    • Rapids Rewards Pivots in June 2021
    • Chase Visa and Southwest
  • United Airlines
    • United Airlines' Program Valuation
    • United Airlines' MileagePlus Program
    • United Introduces New Cards for Summer 2021

Hotel Partnerships

  • Industry Context
    • Largest Group of Partnerships
    • Co-branded Relationships
  • Hilton Worldwide
    • Overview
      • Table: Hilton's Balance Sheet, Reflecting Point Presale to American Express, 2020 ($millions)
    • Hilton's Response to Covid Pandemic
    • Hilton Honors Members Fill Rooms
    • How the Rewards Program Works for Hilton
    • Hilton Honors as an Engine of Revenue
    • Key Hilton Honors Members Benefits for Booking Directly
    • Enhancing Member Benefits
  • InterContinental Hotels Group (IHG)
    • Overview
    • IHG's Priorities for Growth
    • Employees
    • IHG's Response to COVID-19
    • Pandemic Adjustments for Rewards Members
    • IHG Rewards
  • Marriott International
    • Overview
    • Marriott's Response to COVID
    • COVID Drove Corporate Borrowing and Pre-Sale of Loyalty Points to Issuers
    • Sharp Rebound in Hotel Occupancy, But Still Far to Go
      • Table: Recovery in Marriott's Business and Group Travel Business
    • The Marriott Bonvoy Loyalty Program
    • Bonvoy Promotions
      • Table: Purchase Volume, Marriott Co-branded Credit Cards, 2018-2020 ($billions)

Retailer Partnerships

  • Industry Context
    • Store Cards and Co-branded Cards
  • Amazon
    • Overview
    • Amazon Membership Surge
    • Amazon and Prime Member Loyalty
    • Income and Net Income Defy Pandemic
      • Table: Consolidated Income Statement for Amazon, 2018-2020
    • Amazon Prime Credit Cards
      • Table: Co-branded Credit Card Purchasing Volume and Receivables, Amazon, 2018-2020 ($billions)
  • Costco
    • Overview
    • Marketing Strategy
    • Loyal Shopping Members
    • Costco Anywhere Visa
  • Target
    • Overview
    • Target Was Ready for 2020

The Consumer

  • Co-branded Credit Cards in Context
    • Three-Fourths of Adults Have Credit Cards
      • Table: Major Credit Card Customer Base: Have in Own Name vs. Used in Last 30 Days, 2021 (percent and number of adults)
    • 30% Have Co-Branded Cards
      • Table: Customer Base for Co-Branded vs. Store-Only Credit Cards: Have in Own Name vs. Used in Last 30 Days, 2021 (percent and number of adults)
    • Co-Branded Cardholder Demographics
      • Table: Credit Card Usage Rates by Consumer Demographic: Major Credit Cards Overall, Store-Only Cards, and Co-Branded Cards, 2021 (percent of adults who are cardholders)
      • Table: Credit Card Customer Base by Consumer Demographic: Major Credit Cards Overall, Store-Only Cards, and Co-Branded Cards, 2021 (number of adults in thousands)
      • Table: Credit Card Usage Index by Consumer Demographic: Major Credit Cards Overall, Store-Only Cards, and Co-Branded Cards, 2021 (index with base = 100)
    • Co-branded Card Patterns by Type of Affiliation
      • Table: Co-branded Credit Card Usage Rates by Selected Types: Have in Own Name vs. Used in Last 30 Days, 2021 (percent of adults)
      • Table: Co-branded Credit Card Usage Rates by Selected Types: Have in Own Name vs. Used in Last 30 Days, 2021 (number of adults in thousands)
    • Co-branded Card Demographics by Type of Affiliation
      • Table: Co-branded Credit Card Usage Rates by Type and Consumer Demographic: Department Stores, Warehouse Clubs, Amazon/Prime, and Airline/Hotel, 2021 (percent of adults who are cardholders)
      • Table: Co-branded Credit Card Usage Rates by Type and Consumer Demographic: Department Stores, Warehouse Clubs, Amazon/Prime, and Airline/Hotel, 2021 (number of adults in thousands)
      • Table: Co-branded Credit Card Usage Rates by Type and Consumer Demographic: Department Stores, Warehouse Clubs, Amazon/Prime, and Airline/Hotel, 2021 (index with base = 100)
    • Motivators to Apply for Co-Branded Cards
      • Table: Card Features or Benefits That Would "Strongly Influence" Consumer Decisions to Apply for a Co-Branded Credit Card, 2021
      • Table: Influence on Use of Co-Branded Credit Cards: By Type of Benefit, 2021 (percent of cardholders)