Order Form

    This individual Note The State of Consumer Credit Card Rewards 2015is available for purchase. This Note is available to members of Mercator Advisory Group’s Credit Advisory Service. Please be advised that this Note is normally part of a research and advisory service that provides ongoing support throughout the year. As such, this Note contains significant depth of content that is selected for its strategic importance to our members. (For a description of these services, see our Advisory Services section).

    While the Note represents significant analyst time invested, there is no means of our ascertaining if it will fully meet your specific intended purposes. Typically, these Notes form the basis for future discussions with our clients where we are able to fine-tune additional information that we have gathered in the construction of the series of Notes (or locate new information rapidly due to our exclusive focus on gathering information in the payments industry) for specific member needs.

    Unfortunately, in fairness to our paying members, we are not able to offer this level of support for a single Note purchase. We will, however, credit any Research Document purchase against the future purchase price of the service should you become a member within 30 days of purchasing the document.

    The price for individual Note purchases is $1450 per document. 


    Click here for a fax-back order form




The State of Consumer Credit Card Rewards 2015

Competition Among Credit Card Reward Programs Ramps Up

Mercator Advisory Group releases new research on the state of credit card rewards

Credit card reward programs, long a staple of the credit card environment, are entering a new competitive phase as issuers attempt to grow share in the recovering economy. Cardholder participation in rewards programs is rebounding, and issuers are gradually increasing the earn rates and redemption options of their rewards programs.

Mercator Advisory Group’s latest research note, The State of Consumer Credit Card Rewards, 2015 updates competitive developments shaping the competitive market for consumer credit cards.

“The competition for high-spending, low-risk cardholders continues to escalate,” comments Ken Paterson, VP Research Operations, and Director, Credit Advisory Service at Mercator Advisory Group and the primary author of the research. ”Not only are rewards earned and redeemed by cardholders being ratcheted up, but major payments stakeholders are investing in new delivery technologies for future rewards programs. It is no stretch to say that rewards are the dominant marketing strategy for major credit card issuers.”

This research note contains 11 pages and 5 exhibits.

Companies mentioned in this report include: American Express, Bank of America, BarclayCard, Buzz Points, Capital One, Chase, Citibank, Discover Card, Dynamics, Inc., MasterCard, The Logic Group, Pinpoint Pty., Ltd., and Wells Fargo.

Members of Mercator Advisory Group’s Credit Advisory Service have access to these notes as well as the upcoming research for the year ahead, presentations, analyst access, and other membership benefits.

Highlights of the note include:

  • A review of the reward program structures of leading issuers

  • Data from Mercator Advisory Group’s 2014 CustomerMonitor Survey Series showing consumer participation in credit card rewards programs

  • Recent investments by major issuers and card networks in rewards platform infrastructure and delivery technologies

  • Regulatory concerns shaping rewards programs

  • A focus on cash-back rewards program strategies