News
November 10, 2025
Survey Reveals Loyalty Rewards Still Reign Supreme in Credit Card Decisions
WARMINSTER, PA — A new survey from CORA Loyalty, conducted by The Harris Poll, finds that loyalty and rewards programs continue to play a decisive role in how Americans choose ...
Credit card choice is still heavily influenced by loyalty and rewards programs, according to a recent survey. The study, conducted by The Harris Poll on behalf of CORA Loyalty, reveals that these programs remain a significant factor for Americans when deciding which credit card to use and apply for.
The survey, released this week, highlights the enduring power of perks and benefits in a competitive credit card market. While interest rates and annual fees are undoubtedly considerations, the lure of earning rewards, points, and cashback continues to sway consumer decisions.
CORA Loyalty, a company specializing in customer loyalty and engagement solutions, commissioned the poll to understand the evolving preferences of credit card users. The findings suggest that loyalty programs are not just a nice-to-have, but a crucial element in attracting and retaining customers.
"The survey results clearly demonstrate that loyalty and rewards programs are not going anywhere," said a representative from CORA Loyalty. "Consumers are savvy and they are looking for cards that offer tangible value beyond just a line of credit. They want to be rewarded for their spending."
The Harris Poll, a well-respected polling organization, conducted the survey using a representative sample of American adults. The detailed findings provide valuable insights into the specific types of rewards that are most appealing, as well as the demographics that are most influenced by these programs.
The survey also hints at the importance of clear communication and ease of redemption when it comes to loyalty programs. Consumers are more likely to choose a card with a program that is easy to understand and where redeeming rewards is a straightforward process. Complex rules and limitations can be a deterrent, even if the rewards themselves are attractive.
This research underscores the continued importance for credit card issuers to invest in and optimize their loyalty programs. By understanding what motivates consumers and tailoring their offerings accordingly, companies can build stronger relationships with their customers and drive long-term loyalty. The survey suggests that in the battle for market share, the credit card company with the best and most user-friendly rewards program is likely to come out on top.
The survey, released this week, highlights the enduring power of perks and benefits in a competitive credit card market. While interest rates and annual fees are undoubtedly considerations, the lure of earning rewards, points, and cashback continues to sway consumer decisions.
CORA Loyalty, a company specializing in customer loyalty and engagement solutions, commissioned the poll to understand the evolving preferences of credit card users. The findings suggest that loyalty programs are not just a nice-to-have, but a crucial element in attracting and retaining customers.
"The survey results clearly demonstrate that loyalty and rewards programs are not going anywhere," said a representative from CORA Loyalty. "Consumers are savvy and they are looking for cards that offer tangible value beyond just a line of credit. They want to be rewarded for their spending."
The Harris Poll, a well-respected polling organization, conducted the survey using a representative sample of American adults. The detailed findings provide valuable insights into the specific types of rewards that are most appealing, as well as the demographics that are most influenced by these programs.
The survey also hints at the importance of clear communication and ease of redemption when it comes to loyalty programs. Consumers are more likely to choose a card with a program that is easy to understand and where redeeming rewards is a straightforward process. Complex rules and limitations can be a deterrent, even if the rewards themselves are attractive.
This research underscores the continued importance for credit card issuers to invest in and optimize their loyalty programs. By understanding what motivates consumers and tailoring their offerings accordingly, companies can build stronger relationships with their customers and drive long-term loyalty. The survey suggests that in the battle for market share, the credit card company with the best and most user-friendly rewards program is likely to come out on top.
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World