Credit card Trends & Statistics
Visa and Mastercard report solid earnings despite macroeconomic concerns
So far, neither network has seen signs of a consumer spending slowdown despite plummeting consumer sentiment
Capital One and Discover’s final pre-merger earnings are a mixed bag
The companies faced mixed results and looming uncertainty as a result of tariffs
Despite rocky Q1, Synchrony isn’t concerned—yet
The issuer’s confidence in its cardholders and business could be upended by tariffs
Capital One and Discover merger gains approval in jawdropping deal
The deal received conditional regulatory approval, shaking up the card space and larger financial service industry
MGM Resorts joins premium travel credit card bandwagon
Travel brands and issuers are pushing premium cards to attract affluent consumers and boost revenues
Amex reports steady Q1 earnings, remains confident despite economic uncertainty
The company said its premium base will help it withstand a potential economic slowdown or other macroeconomic concerns
Bank of America and Citi report steady Q1 earnings, take ‘wait and see’ approach to 2025
The issuers are taking a wait-and-see approach to gauge how Trump’s tariffs will play out
CFPB’s credit card late fee cap gets scrapped, but don’t expect issuers to unwind preemptive APR hikes
Even so, issuers may be slow to lift preemptive APR increases as they brace for economic turbulence
Revolving credit data shows consumers are spending cautiously
Consumers became more cautious with their spending, a trend that could worsen with Trump’s reciprocal tariffs
Credit card issuers won’t escape the impact of Trump’s tariffs
Worsening economic conditions will be felt deeply by issuers if the tariffs remain in their current form
Visa’s value-added services push can help the network maintain its momentum despite shaky economic conditions
Leaning on non-card revenue can help the network maintain its momentum even if shaky economic conditions lead to slower consumer spending
Visa vies for Apple Card tie-up, with both the network and issuer partnerships up for grabs
The large card program is in flux, with both its issuer and network partnerships up for grabs
BNPL providers can help consumers struggling to cover emergency expenses
Many may turn to BNPL to make these purchases, providing a growth opportunity for providers
CFPB scraps BNPL rule, creating regulatory uncertainty for providers
This leaves the BNPL industry back at square one in terms of regulation, creating uncertainty for providers
Experian taps open banking to push forward financial inclusion efforts
Issuers can tap these models to reach a new customer segment and boost their credit card account openings
Wirex launches travel booking platform for its crypto debit card to better compete against large issuers
The platform can help the card program better compete with traditional cards from large issuers
Marqeta partners with Upside to capitalize on interest in debit-linked rewards programs
These can fuel more frequent debit card usage, helping these cards better compete against credit card programs
United Airlines revamps credit card portfolio amid weakened travel demand
The airline is betting on cardholders believing its new rewards offset the cards’ higher annual fees
How issuers can capitalize on card-linked offers to win over consumers
Issuers can capitalize on the 46% of users who proactively seek out deals with their cards
Capital One-Discover merger faces hiccup with DOJ concerns
They may not break the deal, but it highlights the uncertainty left before the two cross the finish line
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