Market Research Report

Global Rewards-Based Credit Card Market Insights, Size, and Forecast By Cardholder Profile (Students, Professionals, Frequent Travelers, Families, Retirees), By Rewards Type (Cash Back, Points, Travel Rewards, Gift Cards, Lifestyle Rewards), By Credit Card Issuer (Banks, Credit Unions, Fintech Companies, Retailers), By Annual Fee Structure (No Annual Fee, Low Annual Fee, Standard Annual Fee, Premium Annual Fee), By Region (North America, Europe, Asia-Pacific, Latin America, Middle East and Africa), Key Companies, Competitive Analysis, Trends, and Projections for 2026-2035

Report ID:37440
Published Date:Jan 2026
No. of Pages:240
Base Year for Estimate:2025
Format:
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Key Market Insights

Global Rewards-Based Credit Card Market is projected to grow from USD 585.7 Billion in 2025 to USD 1021.4 Billion by 2035, reflecting a compound annual growth rate of 6.4% from 2026 through 2035. This market encompasses credit cards that offer various incentives to cardholders based on their spending, ranging from cashback and travel miles to loyalty points and discounts. The primary objective of these programs is to encourage greater card usage and customer loyalty. Key market drivers include the increasing consumer preference for cashless transactions, the rising disposable incomes globally, and the competitive landscape among financial institutions pushing for enhanced reward offerings. Furthermore, the growing adoption of digital payment solutions and the convenience offered by rewards programs are significant contributors to market expansion. Important trends shaping the market include the personalization of reward programs, the integration of artificial intelligence and machine learning for tailored offers, and the shift towards experiential rewards over traditional cashback. However, the market faces restraints such as increasing regulatory scrutiny over credit card fees and interest rates, rising concerns about data privacy and security, and the potential for rewards fatigue among consumers if programs become overly complex or less valuable. Despite these challenges, significant opportunities lie in expanding into underserved markets, leveraging fintech innovations for new reward structures, and forming strategic partnerships with retailers and service providers to enhance reward value. The leading segment, Banks, holds a dominant position, reflecting their established infrastructure, brand trust, and extensive customer bases in credit card issuance.

Global Rewards-Based Credit Card Market Value (USD Billion) Analysis, 2025-2035

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6.4%
CAGR from
2025 - 2035
Source:
www.makdatainsights.com

North America stands as the dominant region in the global rewards-based credit card market, driven by a mature financial services sector, high consumer awareness of credit card rewards, and strong competition among major card issuers. The region benefits from a culture of credit card usage and a sophisticated rewards ecosystem that caters to diverse consumer preferences. In contrast, Asia Pacific is emerging as the fastest-growing region, fueled by rapid economic development, increasing financial literacy, and the burgeoning middle class across countries like India and China. The expansion of digital payment infrastructure, coupled with a growing young population eager to adopt modern financial products, is propelling this growth. Government initiatives to promote digital payments and financial inclusion also play a crucial role in the region's accelerated market expansion. The market segments by Rewards Type, Cardholder Profile, Annual Fee Structure, and Credit Card Issuer reflect the diverse strategies employed by players to capture market share. Cashback rewards continue to be popular due to their simplicity and direct monetary benefit, while travel rewards appeal to frequent flyers and global travelers.

Key players such as U.S. Bancorp, Chase Bank, Synchrony Financial, Discover Financial Services, Visa, Mastercard, Wells Fargo, American Express, HSBC, and Bank of America are actively shaping the market through strategic initiatives. These companies are focusing on enhancing their rewards portfolios, investing in technology for personalized offers, and expanding their digital payment capabilities to retain and attract customers. Many are forming alliances with airlines, hotels, and retail brands to create exclusive and more appealing reward experiences. For instance, some issuers are integrating loyalty programs directly into mobile banking apps, offering real-time redemption options and customized spending insights. Others are exploring environmentally friendly rewards or social impact programs to appeal to a more socially conscious consumer base. The competitive landscape is characterized by continuous innovation in product design, aggressive marketing campaigns, and a strong emphasis on customer relationship management to foster long-term loyalty. The ongoing evolution of payment technologies and consumer expectations will continue to drive innovation and competition within this dynamic market.

Quick Stats

  • Market Size (2025):

    USD 585.7 Billion
  • Projected Market Size (2035):

    USD 1021.4 Billion
  • Leading Segment:

    Banks (85.2% Share)
  • Dominant Region (2025):

    North America (38.2% Share)
  • CAGR (2026-2035):

    6.4%

What is Rewards-Based Credit Card?

A rewards-based credit card offers cardholders benefits for their spending. It is defined by its core concept of incentivizing credit card usage through a system of points, cash back, or travel miles earned on eligible purchases. These rewards accumulate and can be redeemed for various goods, services, or statement credits. The significance lies in its ability to provide value back to consumers while encouraging credit card use. Its application spans everyday purchases, from groceries to travel, allowing users to effectively reduce the net cost of their spending or gain valuable perks through responsible credit management. It's a key tool in modern personal finance for those who pay their balances.

What are the Key Drivers Shaping the Global Rewards-Based Credit Card Market

  • Rising Consumer Demand for Rewards Programs

  • Expansion of Digital Payment Infrastructure and E-commerce

  • Intensified Competition and Product Innovation by Issuers

  • Increasing Adoption of Contactless and Mobile Payment Solutions

  • Strategic Partnerships and Co-Branding Initiatives

Rising Consumer Demand for Rewards Programs

Consumers increasingly seek added value and immediate gratification from their financial products. This fundamental shift in consumer expectation is a primary catalyst for growth in rewards based credit cards. People are more inclined to choose and actively use cards that offer tangible benefits such as cash back, travel points, or discounts on everyday purchases. The psychological appeal of receiving something extra for their spending habits drives adoption and continued engagement. As consumers become more discerning and financially savvy they gravitate towards cards that effectively monetize their spending behavior turning everyday transactions into opportunities for rewards. This desire for tangible benefits directly fuels the expansion of the global rewards based credit card market.

Expansion of Digital Payment Infrastructure and E-commerce

The widespread adoption of digital payment methods and the exponential growth of e-commerce are significant drivers in the global rewards-based credit card market. As consumers increasingly shift towards online shopping and contactless transactions, the demand for convenient and rewarding payment solutions rises. Rewards credit cards capitalize on this trend by offering incentives like cashback, points, or travel miles for every digital purchase. This makes them highly attractive to online shoppers and users of mobile payment apps, who seek to maximize value from their everyday spending. The seamless integration of these cards with e-commerce platforms and digital wallets further enhances their utility, encouraging greater usage and driving market expansion as more transactions occur electronically.

Intensified Competition and Product Innovation by Issuers

Issuers in the global rewards based credit card market are constantly striving to attract and retain customers leading to intensified competition. This competitive landscape is a significant driver of product innovation. To stand out and capture market share issuers introduce new and enhanced rewards programs tailored to evolving consumer preferences. They develop sophisticated algorithms to personalize offers provide tiered benefits and partner with a wider array of merchants to offer exclusive deals. This continuous push for novel features better redemption options and superior customer experiences fuels a cycle of innovation as companies vie for consumer loyalty and spending power. Ultimately this driver ensures the market remains dynamic with a steady stream of inventive credit card products.

Global Rewards-Based Credit Card Market Restraints

Regulatory Scrutiny on Reward Programs and Consumer Indebtedness

Regulatory scrutiny significantly restrains the global rewards based credit card market. Governments and financial bodies are increasingly examining how reward programs operate, focusing on transparency, fairness, and potential for consumer exploitation. This intense oversight often leads to stricter rules regarding how rewards are advertised, earned, and redeemed, making it more challenging for issuers to design attractive yet compliant programs.

A key concern is consumer indebtedness. Regulators fear that overly enticing reward schemes might encourage individuals to overspend, accumulating debt they struggle to repay. This apprehension drives policies aimed at curbing aggressive marketing tactics and ensuring consumers fully understand the terms and potential financial implications of these cards. Compliance costs for issuers also escalate, impacting profitability and innovation. These regulatory pressures compel companies to re evaluate their strategies, potentially limiting the generosity and accessibility of reward programs.

Intensified Competition from Traditional Banks and Fintech Lenders

The global rewards-based credit card market faces significant headwinds from intensified competition. Traditional banks with established customer bases and extensive branch networks are aggressively enhancing their rewards programs. They leverage brand loyalty and cross-selling opportunities to retain and attract cardholders. Simultaneously, a burgeoning landscape of fintech lenders offers innovative digital solutions and often highly personalized rewards experiences. These nimble players utilize advanced analytics and technology to identify niche markets and deliver tailored incentives, challenging the incumbent financial institutions. This dual pressure forces all participants to constantly innovate their offerings, allocate substantial resources to marketing and customer acquisition, and accept potentially thinner profit margins to remain competitive in a crowded marketplace.

Global Rewards-Based Credit Card Market Opportunities

Hyper-Personalized & AI-Driven Rewards for Evolving Consumer Lifestyles

The global rewards credit card market offers a significant opportunity through hyper-personalized, AI-driven rewards. Consumers today exhibit diverse, rapidly evolving lifestyles, demanding more than generic reward structures. Artificial intelligence can analyze individual spending habits, preferences, and life events to dynamically craft bespoke reward programs. This means offering relevant points for sustainable purchases, discounts on health and wellness services, or tailored travel perks that align with specific individual values and needs. Such precision moves beyond traditional categories, fostering deeper customer loyalty and engagement. For example, AI can learn a user prioritizes experiences over material goods, then automatically suggest rewards for local workshops or unique events. This predictive, adaptable approach ensures rewards remain highly valued, driving increased card usage and acquisition in a competitive landscape. The ability to anticipate and fulfill individual desires through intelligent reward systems is key to capturing and retaining the modern consumer.

Seamless Integration of Rewards Cards into Digital Wallets & Subscription Economies

Integrating rewards cards seamlessly into digital wallets and the booming subscription economy presents a significant growth opportunity for credit card providers globally, particularly in Asia Pacific. This convergence enhances customer convenience by centralizing loyalty programs within a single mobile interface, eliminating physical cards and simplifying redemption. For subscribers, it means automatic application of rewards to recurring payments or accessing exclusive benefits tailored to their chosen services, fostering deeper engagement and cultivating stronger loyalty. Card issuers can leverage this integration to gain richer data insights into spending habits and subscription patterns, enabling highly personalized offers and improving retention rates in a competitive market. The sheer ease of managing and utilizing rewards directly through widely adopted digital payment platforms encourages greater card usage and stimulates new card acquisition. This strategic move aligns perfectly with evolving consumer preferences for streamlined digital experiences, driving sustained value for both consumers and financial institutions in the rapidly expanding digital commerce ecosystem.

Global Rewards-Based Credit Card Market Segmentation Analysis

Key Market Segments

By Rewards Type

  • Cash Back
  • Points
  • Travel Rewards
  • Gift Cards
  • Lifestyle Rewards

By Cardholder Profile

  • Students
  • Professionals
  • Frequent Travelers
  • Families
  • Retirees

By Annual Fee Structure

  • No Annual Fee
  • Low Annual Fee
  • Standard Annual Fee
  • Premium Annual Fee

By Credit Card Issuer

  • Banks
  • Credit Unions
  • Fintech Companies
  • Retailers

Segment Share By Rewards Type

Share, By Rewards Type, 2025 (%)

  • Cash Back
  • Points
  • Travel Rewards
  • Gift Cards
  • Lifestyle Rewards
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$585.7BGlobal Market Size, 2025
Source:
www.makdatainsights.com

Why are Banks dominating the Global Rewards-Based Credit Card Market?

Banks maintain a substantial lead due to their extensive financial infrastructure, established trust, and broad customer reach. Their long standing presence allows for comprehensive product portfolios, catering to diverse financial needs from basic credit to sophisticated rewards programs. Leveraging vast marketing resources and existing relationships with a massive consumer base, traditional banks effectively capture the largest portion of market share, outpacing newer entrants such as fintech companies and retailers.

How do various Rewards Types influence consumer preferences in the Global Rewards-Based Credit Card Market?

Consumer choice is heavily swayed by the type of reward offered. Cash back appeals to those prioritizing straightforward financial benefit and simplicity. Points offer versatility for redemption across multiple categories. Travel rewards are highly attractive to frequent travelers seeking benefits like complimentary flights or hotel accommodations. Gift cards and lifestyle rewards cater to specific interests and spending patterns. This differentiation requires issuers to meticulously tailor their offerings to resonate with distinct consumer segments, making reward customization a critical competitive differentiator.

What impact does Annual Fee Structure have on product accessibility and market segmentation?

The annual fee structure significantly segments the market, influencing accessibility and perceived value for different cardholders. No annual fee cards attract a broad consumer base, prioritizing cost avoidance and ease of use. Low and standard annual fee cards offer a balance of rewards and cost, targeting a wider demographic seeking incremental benefits. Premium annual fee cards, conversely, target affluent individuals who value exclusive benefits, concierge services, and high value travel perks, demonstrating a willingness to pay for superior rewards and enhanced experiences.

What Regulatory and Policy Factors Shape the Global Rewards-Based Credit Card Market

Global rewards-based credit card markets operate within a complex and evolving regulatory landscape. Consumer protection laws globally mandate transparency in reward program disclosures, detailing earning rates, redemption values, expiration policies, and any associated fees to prevent misleading practices. Jurisdictions implement diverse regulations concerning interest rate caps, annual fees, and responsible lending criteria, directly influencing card issuers profit margins and thus the generosity of reward offerings. Data privacy frameworks such as GDPR and CCPA significantly impact how customer information is collected and used for personalized reward experiences, demanding robust security protocols. Anti money laundering and Know Your Customer requirements are paramount for card issuance and transaction monitoring, influencing fraud prevention within reward schemes. Interchange fee caps in regions like Europe directly reduce issuer revenue, often leading to adjustments in reward program structures. Cross border regulations and currency exchange rules also affect the global applicability and value of rewards.

What New Technologies are Shaping Global Rewards-Based Credit Card Market?

The global rewards based credit card market is experiencing significant transformation driven by innovative technologies. Artificial intelligence and machine learning are revolutionizing personalization, offering dynamic rewards tailored to individual spending behaviors and preferences in real time. This enhances customer engagement and perceived value. Blockchain technology is emerging for its potential to create more secure and transparent loyalty programs, simplifying points management and accelerating redemption processes, potentially enabling fractional or tokenized rewards.

Biometric authentication and advanced fraud detection systems are bolstering security, building greater consumer trust. The integration of open banking APIs allows for richer data insights, enabling more sophisticated and relevant reward ecosystems that span beyond traditional categories. Gamification elements within mobile applications are increasing user interaction, offering challenges and tiered benefits. Furthermore, sustainability focused rewards and contactless payment innovations are expanding the appeal and functionality of these cards, aligning with modern consumer values and convenience expectations. These advancements are critical for market differentiation and sustained growth.

Global Rewards-Based Credit Card Market Regional Analysis

Global Rewards-Based Credit Card Market

Trends, by Region

Largest Market
Fastest Growing Market
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38.2%

North America Market
Revenue Share, 2025

Source:
www.makdatainsights.com

Dominant Region

North America · 38.2% share

North America stands as the unequivocal dominant region in the global rewards based credit card market, capturing a significant 38.2% market share. This robust performance is primarily driven by a mature financial ecosystem, high consumer disposable income, and widespread adoption of credit cards for everyday transactions. Intense competition among issuers fuels innovative rewards programs, continually attracting new cardholders and retaining existing ones. A strong cultural preference for credit and the desire for value added benefits further solidify its leading position. The advanced digital infrastructure supports seamless card usage and redemption processes, making rewards more accessible and appealing to a broad consumer base across the United States and Canada.

Fastest Growing Region

Asia Pacific · 11.2% CAGR

Asia Pacific is poised to become the fastest growing region in the global rewards based credit card market, exhibiting a robust Compound Annual Growth Rate of 11.2% during the forecast period of 2026-2035. This accelerated expansion is fueled by several key factors. A burgeoning middle class with increasing disposable income is driving greater adoption of premium financial products. Digitalization initiatives across the region are enhancing financial inclusion and the ease of applying for and managing credit cards. Furthermore, competitive offerings from banks and financial institutions, coupled with a rising consumer preference for loyalty programs and personalized rewards, are contributing significantly to this growth trajectory. The region's large youth population is also a key demographic embracing these cashless payment solutions.

Top Countries Overview

The U.S. dominates the global rewards-based credit card market, driven by its sophisticated financial infrastructure and high consumer spending. Intense competition among issuers fuels innovative rewards programs, from cashback to travel points, shaping global trends. This mature market emphasizes personalized offers and premium card benefits to attract and retain high-value customers, influencing rewards strategies worldwide despite regional variations.

China's role in the global rewards credit card market is complex. While its domestic market is substantial, dominated by local players like UnionPay and WeChat Pay, international rewards programs face hurdles due to regulatory and data privacy considerations. However, with increasing outbound tourism and cross-border e-commerce, Chinese consumers' demand for internationally accepted reward cards with global benefits is growing, making it an evolving frontier for global issuers despite existing market entry barriers.

India's rewards-based credit card market is booming, driven by a young, digitally-savvy population and increasing financial inclusion. While dominated by domestic players, international giants are expanding their footprint, vying for a share of this high-growth market. Competition centers on innovative rewards, premium benefits, and tailored offerings to cater to diverse consumer segments, making it a dynamic global hotspot for credit card innovation.

Impact of Geopolitical and Macroeconomic Factors

Geopolitically, the rewards based credit card market is influenced by international trade policies and data privacy regulations. Cross border payments face scrutiny, impacting multinational loyalty programs. Rising geopolitical tensions could disrupt global supply chains for card production and create cybersecurity risks for sensitive cardholder data. Political stability in key financial hubs directly affects investment in payment infrastructure and consumer confidence to use credit products.

Macroeconomically, inflation and interest rates significantly impact the value proposition of rewards programs. Higher inflation erodes the purchasing power of points, while rising interest rates increase the cost of credit for consumers, potentially dampening spending and demand for premium cards. Economic growth and disposable income levels directly correlate with consumer ability and willingness to maximize rewards. Currency fluctuations affect the attractiveness of international travel rewards and the profitability of cross border transactions.

Recent Developments

  • March 2025

    Mastercard announced a strategic initiative to integrate AI-powered personalized reward recommendations across its partner banks' platforms. This aims to enhance cardholder engagement by offering more relevant rewards tailored to individual spending patterns, leveraging vast transaction data.

  • February 2025

    American Express launched its new 'Amex Green Rewards Plus' card, targeting environmentally conscious consumers with accelerated points on sustainable purchases and carbon offset contributions. This product launch reflects a growing trend towards ESG-focused financial products in the rewards market.

  • January 2025

    Chase Bank entered into a partnership with a major global travel and hospitality loyalty program, allowing direct points transfers at an optimized rate. This strategic alliance strengthens Chase's position in the premium travel rewards segment by offering greater flexibility and value to its cardholders.

  • November 2024

    Synchrony Financial acquired a minority stake in a burgeoning fintech startup specializing in gamified loyalty programs and personalized offers. This acquisition is part of Synchrony's strategy to innovate its rewards offerings and appeal to a younger, digitally native customer base.

  • October 2024

    Discover Financial Services rolled out an enhanced 'Discover it Cash Back' program featuring rotating bonus categories with dynamic, localized merchant partnerships. This strategic initiative aims to provide more immediate and tangible value to cardholders through tailored regional offers, boosting spending in specific areas.

Key Players Analysis

Key players in the global rewards based credit card market include major issuers like U.S. Bancorp, Chase Bank, Wells Fargo, Bank of America, HSBC, American Express, Discover Financial Services, and Synchrony Financial, alongside network providers Visa and Mastercard. Issuers leverage proprietary data analytics and AI for personalized rewards, utilizing mobile apps and online platforms to enhance customer engagement. Strategic initiatives focus on co branded partnerships, premium card offerings, and environmental social governance ESG linked rewards to attract and retain customers. Market growth is driven by increasing consumer demand for value added benefits, digital payment adoption, and competitive product innovation.

List of Key Companies:

  1. U.S. Bancorp
  2. Chase Bank
  3. Synchrony Financial
  4. Discover Financial Services
  5. Visa
  6. Mastercard
  7. Wells Fargo
  8. American Express
  9. HSBC
  10. Bank of America
  11. Capital One
  12. PNC Financial Services
  13. TD Bank
  14. Barclays
  15. Citi

Report Scope and Segmentation

Report ComponentDescription
Market Size (2025)USD 585.7 Billion
Forecast Value (2035)USD 1021.4 Billion
CAGR (2026-2035)6.4%
Base Year2025
Historical Period2020-2025
Forecast Period2026-2035
Segments Covered
  • By Rewards Type:
    • Cash Back
    • Points
    • Travel Rewards
    • Gift Cards
    • Lifestyle Rewards
  • By Cardholder Profile:
    • Students
    • Professionals
    • Frequent Travelers
    • Families
    • Retirees
  • By Annual Fee Structure:
    • No Annual Fee
    • Low Annual Fee
    • Standard Annual Fee
    • Premium Annual Fee
  • By Credit Card Issuer:
    • Banks
    • Credit Unions
    • Fintech Companies
    • Retailers
Regional Analysis
  • North America
  • • United States
  • • Canada
  • Europe
  • • Germany
  • • France
  • • United Kingdom
  • • Spain
  • • Italy
  • • Russia
  • • Rest of Europe
  • Asia-Pacific
  • • China
  • • India
  • • Japan
  • • South Korea
  • • New Zealand
  • • Singapore
  • • Vietnam
  • • Indonesia
  • • Rest of Asia-Pacific
  • Latin America
  • • Brazil
  • • Mexico
  • • Rest of Latin America
  • Middle East and Africa
  • • South Africa
  • • Saudi Arabia
  • • UAE
  • • Rest of Middle East and Africa

Table of Contents:

1. Introduction
1.1. Objectives of Research
1.2. Market Definition
1.3. Market Scope
1.4. Research Methodology
2. Executive Summary
3. Market Dynamics
3.1. Market Drivers
3.2. Market Restraints
3.3. Market Opportunities
3.4. Market Trends
4. Market Factor Analysis
4.1. Porter's Five Forces Model Analysis
4.1.1. Rivalry among Existing Competitors
4.1.2. Bargaining Power of Buyers
4.1.3. Bargaining Power of Suppliers
4.1.4. Threat of Substitute Products or Services
4.1.5. Threat of New Entrants
4.2. PESTEL Analysis
4.2.1. Political Factors
4.2.2. Economic & Social Factors
4.2.3. Technological Factors
4.2.4. Environmental Factors
4.2.5. Legal Factors
4.3. Supply and Value Chain Assessment
4.4. Regulatory and Policy Environment Review
4.5. Market Investment Attractiveness Index
4.6. Technological Innovation and Advancement Review
4.7. Impact of Geopolitical and Macroeconomic Factors
4.8. Trade Dynamics: Import-Export Assessment (Where Applicable)
5. Global Rewards-Based Credit Card Market Analysis, Insights 2020 to 2025 and Forecast 2026-2035
5.1. Market Analysis, Insights and Forecast, 2020-2035, By Rewards Type
5.1.1. Cash Back
5.1.2. Points
5.1.3. Travel Rewards
5.1.4. Gift Cards
5.1.5. Lifestyle Rewards
5.2. Market Analysis, Insights and Forecast, 2020-2035, By Cardholder Profile
5.2.1. Students
5.2.2. Professionals
5.2.3. Frequent Travelers
5.2.4. Families
5.2.5. Retirees
5.3. Market Analysis, Insights and Forecast, 2020-2035, By Annual Fee Structure
5.3.1. No Annual Fee
5.3.2. Low Annual Fee
5.3.3. Standard Annual Fee
5.3.4. Premium Annual Fee
5.4. Market Analysis, Insights and Forecast, 2020-2035, By Credit Card Issuer
5.4.1. Banks
5.4.2. Credit Unions
5.4.3. Fintech Companies
5.4.4. Retailers
5.5. Market Analysis, Insights and Forecast, 2020-2035, By Region
5.5.1. North America
5.5.2. Europe
5.5.3. Asia-Pacific
5.5.4. Latin America
5.5.5. Middle East and Africa
6. North America Rewards-Based Credit Card Market Analysis, Insights 2020 to 2025 and Forecast 2026-2035
6.1. Market Analysis, Insights and Forecast, 2020-2035, By Rewards Type
6.1.1. Cash Back
6.1.2. Points
6.1.3. Travel Rewards
6.1.4. Gift Cards
6.1.5. Lifestyle Rewards
6.2. Market Analysis, Insights and Forecast, 2020-2035, By Cardholder Profile
6.2.1. Students
6.2.2. Professionals
6.2.3. Frequent Travelers
6.2.4. Families
6.2.5. Retirees
6.3. Market Analysis, Insights and Forecast, 2020-2035, By Annual Fee Structure
6.3.1. No Annual Fee
6.3.2. Low Annual Fee
6.3.3. Standard Annual Fee
6.3.4. Premium Annual Fee
6.4. Market Analysis, Insights and Forecast, 2020-2035, By Credit Card Issuer
6.4.1. Banks
6.4.2. Credit Unions
6.4.3. Fintech Companies
6.4.4. Retailers
6.5. Market Analysis, Insights and Forecast, 2020-2035, By Country
6.5.1. United States
6.5.2. Canada
7. Europe Rewards-Based Credit Card Market Analysis, Insights 2020 to 2025 and Forecast 2026-2035
7.1. Market Analysis, Insights and Forecast, 2020-2035, By Rewards Type
7.1.1. Cash Back
7.1.2. Points
7.1.3. Travel Rewards
7.1.4. Gift Cards
7.1.5. Lifestyle Rewards
7.2. Market Analysis, Insights and Forecast, 2020-2035, By Cardholder Profile
7.2.1. Students
7.2.2. Professionals
7.2.3. Frequent Travelers
7.2.4. Families
7.2.5. Retirees
7.3. Market Analysis, Insights and Forecast, 2020-2035, By Annual Fee Structure
7.3.1. No Annual Fee
7.3.2. Low Annual Fee
7.3.3. Standard Annual Fee
7.3.4. Premium Annual Fee
7.4. Market Analysis, Insights and Forecast, 2020-2035, By Credit Card Issuer
7.4.1. Banks
7.4.2. Credit Unions
7.4.3. Fintech Companies
7.4.4. Retailers
7.5. Market Analysis, Insights and Forecast, 2020-2035, By Country
7.5.1. Germany
7.5.2. France
7.5.3. United Kingdom
7.5.4. Spain
7.5.5. Italy
7.5.6. Russia
7.5.7. Rest of Europe
8. Asia-Pacific Rewards-Based Credit Card Market Analysis, Insights 2020 to 2025 and Forecast 2026-2035
8.1. Market Analysis, Insights and Forecast, 2020-2035, By Rewards Type
8.1.1. Cash Back
8.1.2. Points
8.1.3. Travel Rewards
8.1.4. Gift Cards
8.1.5. Lifestyle Rewards
8.2. Market Analysis, Insights and Forecast, 2020-2035, By Cardholder Profile
8.2.1. Students
8.2.2. Professionals
8.2.3. Frequent Travelers
8.2.4. Families
8.2.5. Retirees
8.3. Market Analysis, Insights and Forecast, 2020-2035, By Annual Fee Structure
8.3.1. No Annual Fee
8.3.2. Low Annual Fee
8.3.3. Standard Annual Fee
8.3.4. Premium Annual Fee
8.4. Market Analysis, Insights and Forecast, 2020-2035, By Credit Card Issuer
8.4.1. Banks
8.4.2. Credit Unions
8.4.3. Fintech Companies
8.4.4. Retailers
8.5. Market Analysis, Insights and Forecast, 2020-2035, By Country
8.5.1. China
8.5.2. India
8.5.3. Japan
8.5.4. South Korea
8.5.5. New Zealand
8.5.6. Singapore
8.5.7. Vietnam
8.5.8. Indonesia
8.5.9. Rest of Asia-Pacific
9. Latin America Rewards-Based Credit Card Market Analysis, Insights 2020 to 2025 and Forecast 2026-2035
9.1. Market Analysis, Insights and Forecast, 2020-2035, By Rewards Type
9.1.1. Cash Back
9.1.2. Points
9.1.3. Travel Rewards
9.1.4. Gift Cards
9.1.5. Lifestyle Rewards
9.2. Market Analysis, Insights and Forecast, 2020-2035, By Cardholder Profile
9.2.1. Students
9.2.2. Professionals
9.2.3. Frequent Travelers
9.2.4. Families
9.2.5. Retirees
9.3. Market Analysis, Insights and Forecast, 2020-2035, By Annual Fee Structure
9.3.1. No Annual Fee
9.3.2. Low Annual Fee
9.3.3. Standard Annual Fee
9.3.4. Premium Annual Fee
9.4. Market Analysis, Insights and Forecast, 2020-2035, By Credit Card Issuer
9.4.1. Banks
9.4.2. Credit Unions
9.4.3. Fintech Companies
9.4.4. Retailers
9.5. Market Analysis, Insights and Forecast, 2020-2035, By Country
9.5.1. Brazil
9.5.2. Mexico
9.5.3. Rest of Latin America
10. Middle East and Africa Rewards-Based Credit Card Market Analysis, Insights 2020 to 2025 and Forecast 2026-2035
10.1. Market Analysis, Insights and Forecast, 2020-2035, By Rewards Type
10.1.1. Cash Back
10.1.2. Points
10.1.3. Travel Rewards
10.1.4. Gift Cards
10.1.5. Lifestyle Rewards
10.2. Market Analysis, Insights and Forecast, 2020-2035, By Cardholder Profile
10.2.1. Students
10.2.2. Professionals
10.2.3. Frequent Travelers
10.2.4. Families
10.2.5. Retirees
10.3. Market Analysis, Insights and Forecast, 2020-2035, By Annual Fee Structure
10.3.1. No Annual Fee
10.3.2. Low Annual Fee
10.3.3. Standard Annual Fee
10.3.4. Premium Annual Fee
10.4. Market Analysis, Insights and Forecast, 2020-2035, By Credit Card Issuer
10.4.1. Banks
10.4.2. Credit Unions
10.4.3. Fintech Companies
10.4.4. Retailers
10.5. Market Analysis, Insights and Forecast, 2020-2035, By Country
10.5.1. South Africa
10.5.2. Saudi Arabia
10.5.3. UAE
10.5.4. Rest of Middle East and Africa
11. Competitive Analysis and Company Profiles
11.1. Market Share of Key Players
11.1.1. Global Company Market Share
11.1.2. Regional/Sub-Regional Company Market Share
11.2. Company Profiles
11.2.1. U.S. Bancorp
11.2.1.1. Business Overview
11.2.1.2. Products Offering
11.2.1.3. Financial Insights (Based on Availability)
11.2.1.4. Company Market Share Analysis
11.2.1.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.1.6. Strategy
11.2.1.7. SWOT Analysis
11.2.2. Chase Bank
11.2.2.1. Business Overview
11.2.2.2. Products Offering
11.2.2.3. Financial Insights (Based on Availability)
11.2.2.4. Company Market Share Analysis
11.2.2.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.2.6. Strategy
11.2.2.7. SWOT Analysis
11.2.3. Synchrony Financial
11.2.3.1. Business Overview
11.2.3.2. Products Offering
11.2.3.3. Financial Insights (Based on Availability)
11.2.3.4. Company Market Share Analysis
11.2.3.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.3.6. Strategy
11.2.3.7. SWOT Analysis
11.2.4. Discover Financial Services
11.2.4.1. Business Overview
11.2.4.2. Products Offering
11.2.4.3. Financial Insights (Based on Availability)
11.2.4.4. Company Market Share Analysis
11.2.4.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.4.6. Strategy
11.2.4.7. SWOT Analysis
11.2.5. Visa
11.2.5.1. Business Overview
11.2.5.2. Products Offering
11.2.5.3. Financial Insights (Based on Availability)
11.2.5.4. Company Market Share Analysis
11.2.5.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.5.6. Strategy
11.2.5.7. SWOT Analysis
11.2.6. Mastercard
11.2.6.1. Business Overview
11.2.6.2. Products Offering
11.2.6.3. Financial Insights (Based on Availability)
11.2.6.4. Company Market Share Analysis
11.2.6.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.6.6. Strategy
11.2.6.7. SWOT Analysis
11.2.7. Wells Fargo
11.2.7.1. Business Overview
11.2.7.2. Products Offering
11.2.7.3. Financial Insights (Based on Availability)
11.2.7.4. Company Market Share Analysis
11.2.7.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.7.6. Strategy
11.2.7.7. SWOT Analysis
11.2.8. American Express
11.2.8.1. Business Overview
11.2.8.2. Products Offering
11.2.8.3. Financial Insights (Based on Availability)
11.2.8.4. Company Market Share Analysis
11.2.8.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.8.6. Strategy
11.2.8.7. SWOT Analysis
11.2.9. HSBC
11.2.9.1. Business Overview
11.2.9.2. Products Offering
11.2.9.3. Financial Insights (Based on Availability)
11.2.9.4. Company Market Share Analysis
11.2.9.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.9.6. Strategy
11.2.9.7. SWOT Analysis
11.2.10. Bank of America
11.2.10.1. Business Overview
11.2.10.2. Products Offering
11.2.10.3. Financial Insights (Based on Availability)
11.2.10.4. Company Market Share Analysis
11.2.10.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.10.6. Strategy
11.2.10.7. SWOT Analysis
11.2.11. Capital One
11.2.11.1. Business Overview
11.2.11.2. Products Offering
11.2.11.3. Financial Insights (Based on Availability)
11.2.11.4. Company Market Share Analysis
11.2.11.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.11.6. Strategy
11.2.11.7. SWOT Analysis
11.2.12. PNC Financial Services
11.2.12.1. Business Overview
11.2.12.2. Products Offering
11.2.12.3. Financial Insights (Based on Availability)
11.2.12.4. Company Market Share Analysis
11.2.12.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.12.6. Strategy
11.2.12.7. SWOT Analysis
11.2.13. TD Bank
11.2.13.1. Business Overview
11.2.13.2. Products Offering
11.2.13.3. Financial Insights (Based on Availability)
11.2.13.4. Company Market Share Analysis
11.2.13.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.13.6. Strategy
11.2.13.7. SWOT Analysis
11.2.14. Barclays
11.2.14.1. Business Overview
11.2.14.2. Products Offering
11.2.14.3. Financial Insights (Based on Availability)
11.2.14.4. Company Market Share Analysis
11.2.14.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.14.6. Strategy
11.2.14.7. SWOT Analysis
11.2.15. Citi
11.2.15.1. Business Overview
11.2.15.2. Products Offering
11.2.15.3. Financial Insights (Based on Availability)
11.2.15.4. Company Market Share Analysis
11.2.15.5. Recent Developments (Product Launch, Mergers and Acquisition, etc.)
11.2.15.6. Strategy
11.2.15.7. SWOT Analysis

List of Figures

List of Tables

Table 1: Global Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Rewards Type, 2020-2035

Table 2: Global Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Cardholder Profile, 2020-2035

Table 3: Global Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Annual Fee Structure, 2020-2035

Table 4: Global Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Credit Card Issuer, 2020-2035

Table 5: Global Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Region, 2020-2035

Table 6: North America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Rewards Type, 2020-2035

Table 7: North America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Cardholder Profile, 2020-2035

Table 8: North America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Annual Fee Structure, 2020-2035

Table 9: North America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Credit Card Issuer, 2020-2035

Table 10: North America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Country, 2020-2035

Table 11: Europe Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Rewards Type, 2020-2035

Table 12: Europe Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Cardholder Profile, 2020-2035

Table 13: Europe Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Annual Fee Structure, 2020-2035

Table 14: Europe Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Credit Card Issuer, 2020-2035

Table 15: Europe Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035

Table 16: Asia Pacific Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Rewards Type, 2020-2035

Table 17: Asia Pacific Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Cardholder Profile, 2020-2035

Table 18: Asia Pacific Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Annual Fee Structure, 2020-2035

Table 19: Asia Pacific Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Credit Card Issuer, 2020-2035

Table 20: Asia Pacific Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035

Table 21: Latin America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Rewards Type, 2020-2035

Table 22: Latin America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Cardholder Profile, 2020-2035

Table 23: Latin America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Annual Fee Structure, 2020-2035

Table 24: Latin America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Credit Card Issuer, 2020-2035

Table 25: Latin America Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035

Table 26: Middle East & Africa Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Rewards Type, 2020-2035

Table 27: Middle East & Africa Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Cardholder Profile, 2020-2035

Table 28: Middle East & Africa Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Annual Fee Structure, 2020-2035

Table 29: Middle East & Africa Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Credit Card Issuer, 2020-2035

Table 30: Middle East & Africa Rewards-Based Credit Card Market Revenue (USD billion) Forecast, by Country/ Sub-region, 2020-2035

Frequently Asked Questions

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