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市场调查报告书

美国的联合品牌/认同卡市场

Co-Branded and Affinity Credit Cards in the U.S., 7th Edition

出版商 Packaged Facts 商品编码 103033
出版日期 内容资讯 英文 183 Pages
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美国的联合品牌/认同卡市场 Co-Branded and Affinity Credit Cards in the U.S., 7th Edition
出版日期: 2019年07月19日内容资讯: 英文 183 Pages
简介

本报告提供美国的联名卡 (联名卡,认同卡) 市场相关调查分析,卡片方案的特征和优点,卡片策略,竞争趋势,成长趋势,相关趋势,机会的地点等系统性资讯。

第1章 摘要整理

第2章 市场规模与预测

  • 联名卡市场规模

第3章 趋势与机会

  • 经销商品牌的竞争
  • 利润
  • 支出
  • 结构
  • 航空公司受到关注

第4章 市场区隔分析

  • 航空公司的联合品牌部门
  • 饭店的联合品牌部门
  • 零售的联合品牌部门

第5章 联合品牌/亲和性信用卡公司

  • BANK OF AMERICA
  • BARCLAYS
  • CAPITAL ONE
  • CITIBANK
  • JPMORGAN CHASE
  • SYNCHRONY FINANCIAL
  • U.S. BANK
  • 其他的企业

第6章 卡片协会的联合品牌/认同卡策略

  • AMERICAN EXPRESS
  • MASTERCARD
  • VISA 202

第7章 信用卡使用趋势

  • 通用信用卡使用趋势 (成果)
  • 回馈信用卡:使用趋势 (成果)
  • 航空公司、饭店的联名卡:使用趋势 (成果)

第8章 联合品牌/认同卡用户

  • 利用信用卡的类型
  • 人口统计分析

第9章 联合品牌/认同卡申请的影响

  • 通用信用卡用户:联合品牌用户 vs. 非用户
  • 联名卡用户:人口统计分析

第10章 利润的重要性和联名卡的转换要素

  • 利润有的力量
  • 最常所使用的联名卡:卡片转换要素

附录

调查手法

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目录
Product Code: LA15895396

Co-branded credit cards remain integral to issuers and retail partners alike: Packaged Facts estimates that, in 2018, co-branded credit cards generated $990 billion in purchase value, up an average of 7.9% from 2016. Travel and entertainment brands continue to dominate spending share, thanks to their high-spending affluent users. Co-branded card and loyalty programs increasingly serve as profit drivers for airlines-no surprise given the leverage industry consolidation and the treasure trove of customer information they can share with issuers keen to cross-sell products and services. The stakes are high: At American Airlines alone, some $3.1 billion in program miles were earned in 2018, while $3.4 billion in miles were redeemed.

Yet retailer co-branded credit card purchase value grew at the fastest annual rate travel and entertainment co-brands. Costco AnyWhere Visa performance has helped lift the entire segment, surpassing $100 billion in purchase value in 2018 while helping issuing partner Citibank build loans-an uncommon task for a co-branded card program that has begun to pay off. Meanwhile the rewards train continues to gather steam, as consumers continue to convert their non-rewards cards an assortment of rewards-based options. Ironically, while rewards are important to co-branded credit card users, they don't trump the fundamentals: Attributes such as 100% fraud protection and great customer service rate higher.

‘Co-Branded and Affinity Credit Cards in the U.S., 7th Edition ’, provides a wealth of insight on this hugely important segment of the payments industry. More specifically, the report:

  • Provides a 2016-2018 market size for U.S. general-purpose credit cards and co-branded credit card purchase value, segmented by retailer, airline, and hotel-branded cards.
  • Provides 2016-2018 purchase value estimates for the top 10 U.S. co-branded credit card programs.
  • Identifies and segments the number of co-branded card programs and program partners by network, issuer, and partnership segment.
  • Provides market segment analysis for co-branded airline credit cards, including partnership changes; loyalty program usage trends; survey analysis focusing on the relationships among frequent flyer membership, frequent flyer redemption, frequent fliers, co-branded airline credit card usage and demographics; co-branded credit card and loyalty program profiles for Delta Air Lines, American Airlines, and United Airlines, including loyalty program and co-branded credit card program revenue analysis, card purchase value and loans outstanding trends, and program-related trends; and co-branded card program and program partner counts by network and issuer.
  • Provides market segment analysis for co-branded hotel credit cards, including partnership changes and loyalty program usage trends; survey analysis focusing on the relationships among loyalty membership, program redemption, frequent hotel users, co-branded hotel credit card usage and demographics; a co-branded credit card and loyalty program profile for Marriott International, including loyalty program and co-branded credit card program revenue analysis, and program-related trends; card purchase value trends; and co-branded card program and program partner counts by network and issuer.
  • Provides market segment analysis for co-branded retailer cards, including co-branded card program and program partner counts by network and issuer; co-branded credit card profiles for Costco, Sam's Club, and BJ's Wholesale Club, including program-related trends; card purchase value trends, co-branded card program and program partner counts by network and issuer; and demographic analysis.
  • Analyzes trends in credit card usage, usage engagement, and usage share by card network over time, focusing on age and HH income trends; and trends rewards vs. non-rewards, co-branded airline and co-branded hotel credit usage trends over time, focusing on HH income trends.
  • Identifies the types of co-branded and affinity credit cards used, including engagement analysis and demographic analysis by co-branded and affinity credit card category.
  • Assesses the degree a range of features and benefits influence credit card users and co-branded credit card users to sign up for a co-branded credit card, including perks, discounts, rewards fees, interest, financing, and other card benefits.
  • Analyzes trends in rewards credit card usage, by type of reward; and assesses rewards preferences among co-branded credit card users.

VIDEO DEMONSTRATION

Table of Contents

Executive Summary

  • Report Scope
  • Report Summary
    • Co-Branded Credit Card Market Size
    • Airline Co-Branded Card and Loyalty Programs
    • Hotel Co-Branded Card and Loyalty Programs
    • Retailer Co-Branded Card Programs
    • Co-Branded and Affinity Credit Card Usage Trends
    • Co-Branded Credit Card Application Influencers and Rewards Preferences
    • Co-Brand and Affinity Credit Card Issuers

Market Size and Forecast

  • Co-Branded Credit Card Market Size
    • Table: General-Purpose Credit Card Purchase Value: Co-Branded vs. Non-Co-Branded Cards, 2016-2018
    • Table: U.S. Airline, Hotel, and Retailer Co-Branded Credit Card Purchase Value, by Segment, 2016-2018
    • Top 10 Co-Branded Credit Card Programs
    • Table: Top 10 U.S. Co-Branded Credit Card Programs, by Purchase Value, 2016-2018
    • Co-Branded Credit Card Market Share, by Top Issuers and Card Networks
    • Table: U.S. Co-Branded Credit Card Purchase Value, by Card Network and Top Issuers, 2018
    • Number of Co-Branded Credit Card Programs
    • Table: Number of U.S. Co-Branded Credit Card Programs, by Network, Segment, and Type, 2019
    • Table: Number of U.S. Co-Branded Credit Card Programs (by Network, Segment, and Type), by Issuer, 2019

Airline Co-Branded Card and Loyalty Programs

  • Airline Co-Branded Credit Card Programs and Partners
    • By the Numbers
    • Table: Airline Brands: U.S. Co-Branded Credit Card Programs, by Issuer, Network, and Card Type, 2019
    • Portfolio Wins and Losses
  • Consumer Analysis: Frequent Flyers & Airline Co-Branded Card Users
    • Frequent Airline Travelers
    • Table: Frequent Airline Travel: Percentage Usage, Business vs. Personal, 2011-2019
    • Frequent Flyer Program Usage Generally Tracks Airline Use over Time
    • Table: Airline Users, Frequent Flyer Program Members, and Membership-to-Flyer Ratio, by Airline, 2011-2019
    • Frequent Flyer Programs Do What They Set Out To Do
    • Table: Frequent Flyer Program Membership (by Program) by Last Airline Flown Domestically, 2019
    • Delta Holds Loyalty Program Enrollment Crown
    • Table: Frequent Flyer Program Members and Sole Program Users, by Airline, 2019
    • Southwest Holds Loyalty Program Engagement Crown
    • Table: Frequent Flyer Program Redeemers, by Frequent Flyer Program, 2019
    • Business & Leisure Travelers: Opportunity across Flying Frequency Spectrum
    • Table: Frequent Flyer Program Membership, Co-Branded Airline Credit Card Use, and Program Membership/Airline Card Use, by Number and Type of Domestic Flights, 2019
    • Demographics
    • Table: Frequent Flyer Program Members (by Program), Co-Branded Airline Credit Card Users, And Program Membership/Airline Card Users, by Age, 2019 (% and index)
    • Table: Frequent Flyer Program Members (by Program), Co-Branded Airline Credit Card Users, and Program Membership/Airline Card Users, by HH Income, 2019 (percent and index)
  • Sizing up the Big Three
    • American, Delta, and United
    • Operating Revenue and Passenger Miles
    • Table: American Airlines, Delta Air Lines and United Airlines: Revenue and Loyalty Metrics, 2016-2018
    • Loyalty Program Revenue Passenger Miles and Award Redemptions
    • Table: American Airlines, Delta Air Lines and United Airlines: Revenue and Loyalty Metrics, 2016-2018
    • Deferred Loyalty Program Liability: Parsing the Billions in Revenue
    • Table: Deferred Loyalty Program Liability: American Airlines, Delta Air Lines and United Airlines, 2016-2018 ($bil)
  • In Focus: Delta Air Lines
    • Leader in Customer-Focused Metrics
    • Co-branded Credit Card Program Is a Cash Cow
    • Table: Delta SkyMiles Loyalty Program: Revenue from Mileage Credits Sold: All Revenue vs. American Express Revenue, 2017-2023 ($bil)
    • Table: Delta SkyMiles Loyalty Program: Revenue from Mileage Credits Sold to American Express, 2014-2023 ($bil)
    • $100 Billion in Purchase Value?
    • Table: American Express Delta SkyMiles Co-Branded Credit Card Program: Purchase Value and Loans Outstanding, 2014-2019 ($bil)
    • Part of a Multi-Billion-Dollar Loyalty Program
    • Table: Delta SkyMiles Loyalty Program Deferred Revenue, Earning, and Redemption, 2016-2018 ($bil)
    • Table: Delta SkyMiles Loyalty Program Revenue: Travel and Marketing Contributions, 2016-2018 ($bil)
    • Table: Delta SkyMiles Loyalty Program: Key Usage Metrics, 2015-2018
  • In Focus: American Airlines
    • Advantage Underpinned by Co-Branded Program
    • The Fruits of Renegotiation
    • Table: American Airlines AAdvantage Loyalty Program Revenue: Marketing vs. Travel, 2016-2018 ($bil)
    • Purchase Value Crosses $90 billion
    • Table: American Airlines AAdvantage Co-Branded Credit Card Program Purchase Value, 2016-2018 ($bil)
    • Advantage: The Revenue Story
    • Table: American Airlines AAdvantage Loyalty Program Deferred Revenue, Earning, and Redemption, 2016-2018 ($bil)
    • Table: American Airlines AAdvantage Loyalty Program Revenue: Travel and Marketing Contributions, 2016-2018 ($bil)
    • Advantage: The Miles Usage Story
    • Table: American Airlines AAdvantage Loyalty Program: Key Usage Metrics, 2015-2018
    • Advantage: The Card Story
  • In Focus: United Airlines
    • Metrics
    • Gunning for More Partner Revenue
    • Table: United Airlines MileagePlus Loyalty Program Revenue: Marketing vs. Travel, 2016-2018 ($bil)
    • MileagePlus Card Acquisitions Pick Up Steam; Purchase Value Lags
    • Table: American Airlines AAdvantage Co-Branded Credit Card Program Purchase Value, 2016-2018 ($bil)
    • MileagePlus: The Revenue Story
    • Table: United MileagePlus Loyalty Program Deferred Revenue, Earning, and Redemption, 2016-2018s ($bil)
    • Table: United MileagePlus Loyalty Program Revenue: Travel and Marketing Contributions, 2016-2018 ($bil)
    • MileagePlus: The Miles Usage Story
    • Table: United Airlines MileagePlus Loyalty Program: Key Usage Metrics, 2015-2018
    • MileagePlus: The Card Story

Hotel Co-Branded Card and Loyalty Programs

  • Co-Branded Hotel Credit Card Programs
    • Table: Hotel Brands: U.S. Co-Branded Credit Card Programs, by Issuer, Network, and Card Type, 2019
  • Consumer Analysis: Hotel Loyalty Program & Co-Branded Card Users
    • Hotel Credit Card Users
    • Table: Hotel Users, by Domestic Personal and Business Nights Stayed, 2019
    • Hotel Credit Card Users, Hotel Loyalty Program Membership and Redemption
    • Table: Hotel Credit Card Users and Hotel Loyalty Program Members and Redeemers, 2019
    • Table: Hotel Credit Card Users and Hotel Loyalty Program Members and Redeemers, by Domestic Personal and Business Nights Stayed, 2019
    • Table: Domestic Personal and Business Nights Stayed, by Hotel Credit Card Users and Hotel Loyalty Program Members and Redeemers, 2019
    • Table: Hotel Credit Card, Hotel Loyalty Program Membership and Redemption: Cross Usage, 2019
    • Demographics
    • Table: Hotel Loyalty Program Membership, by Brand and Demographic, 2019
  • In Focus: Marriott
    • Hotel Superpower
    • The Marriott Bonvoy Revenue Story
    • Table: Marriott Bonvoy Loyalty Program Deferred Revenue, 2016-2018 ($mil)
    • Table: Marriott Bonvoy Loyalty Program Deferred Revenue, Earning, and Redemption, 2018 ($mil)
    • Marriott Bonvoy Credit Card Program: The Metrics
    • Table: Marriott Bonvoy Co-Branded Credit Card Program: Purchase Value and Loans Outstanding, 2016-2018 ($bil)
    • Marriott Bonvoy: Nuts and Bolts
    • Merger and Starwood Integration
    • Marriott Bonvoy: The Cards

Retailer Co-Branded Card Programs

  • Retailer Co-Branded Credit Card Brand Partnerships
    • Table: U.S. Retailer Co-Branded Credit Card Programs, by Segment, 2019
  • Club Stores: Sizing Up the Big Three
    • Net Sales Trends
    • Table: Costco, Sam's Club, and BJ's Wholesale Club: U.S. Net Sales, Comparable Sales Change, and Units, 2016-2018
    • Demographic Analysis
    • Table: BJ's Wholesale Club, Costco and Sam's Club: Usage, by Gender, Age, HH Income, and Business Ownership Segments, 2019 (percent and index)
    • Omni-Channel Purchasing Trends
    • Table: BJ's Wholesale Club, Costco and Sam's Club: In-Store vs. Online Purchasers, 2015-2019
  • In Focus: The Costco Credit Card Program
    • AnyWhere Visa Is Largest Co-Branded Program
    • What Exclusivity Buys
    • Table: Costco Co-Branded Credit Card Programs: In-Store Purchase Value, Out-of-Store Purchase Value, and Loan Receivables, 2015-2018
    • Hard Benefits That Resonate with Affluent Costco Shoppers
    • Going for the Loyalty Trifecta
  • In Focus: The Sam's Club Credit Card Program
    • Options Include Sam's Club Mastercard
    • Sam's Club Mastercard: Purchaser Value and Loans
    • Table: Sam's Club Proprietary Credit Card Programs: In-Store Purchase Value, Out-of-Store Purchase Value, Loan Receivables, and Co-Branded Share, 2016-2018
    • Sam's Club Mastercard: Distinguishing Features and Loyalty Proposition
  • In Focus: The BJ's Wholesale Club Credit Card Program
    • Successful Partnering with Alliance Data Systems and Visa
    • Table: BJ's Wholesale Club Co-Branded Credit Card Programs: In-Store Purchase Value, Out-of-Store Purchase Value, and Loan Receivables, 2016-2018
    • Building the Customer Base and Fostering Loyalty
    • BJ's Perks Plus Visa: Distinguishing Features and Loyalty Proposition

Co-Branded and Affinity Credit Card Usage Trends

  • General-Purpose Credit Card Usage Trends, by Card Type
    • Table: Percent of Adults Who Have/Use General-Purpose Credit Cards, by Card Network, 2015-2019
    • General-Purpose Credit Card Usage in Past 30 days
    • Table: General-Purpose Credit Card Usage in Last 30 Days, by Card Network, 2015-2019
    • General-Purpose Credit Card Active Usage Rates
    • Table: General-Purpose Credit Card Usage vs. Active Usage, 2019
    • General-Purpose Credit Card User Demographics, by Card Network
    • Table: General-Purpose Credit Card Usage in the Last 30 Days, by Card Network and Demographic, 2019
  • Cards in Wallet: Co-Branded/Affinity vs. Not Co-Branded/Affinity
    • Usage Rates
    • Table: General-Purpose Credit Cards Users: Co-Brand/Affinity Credit Card Users and Non-Users, 2019 (percent who use)
    • Co-Branded/Affinity Credit Card Users Have Card-Friendly Wallets
    • Table: General-Purpose Credit Cards Users: Co-Brand/Affinity Credit Card Users and Non-Users, 2019
    • Visa Co-Branded/Affinity Credit Cards
    • Table: General-Purpose Credit Cards: Percent Usage and Number of Users, Co-Branded Cards, and Non-Cobranded Cards, by Card Network, 2019
    • Excluding Charge Cards, American Express Has Highest Share of Co-Branded
    • Table: Co-Branded and Non-Co-branded General-Purpose Credit Cards (#), by Card Network, 2019
  • Types of Co-Branded and Affinity Cards Used
    • Table: Co-Branded/Affinity Credit Card Users, by Partner Sub-Category, 2019 (percent who use)
  • Co-Branded/Affinity Credit Card Demographic Analysis
    • Co-Branded/Affinity Card Users
    • Co-Branded/Affinity Card Users, by Major Category
    • Co-Branded/Affinity Card Users, by Card Network
    • Table: All Adults, General-Purpose Credit Card Users, and Co-Branded/Affinity Credit Card Users: Population Share by Demographic, 2019
    • Table: Co-Branded/Affinity Credit Card User Population Share by Demographic and Major Category, 2019
    • Table: Co-Branded/Affinity Credit Card User Population Share, by Demographic and Card Network, 2019

Co-Branded Credit Card Application Influencers and Rewards Preferences

  • Co-Branded Credit Card Application Influencers
    • Winning Generation Z and Millennial Wallet Share with Financing Options
    • Table: Co-Branded Credit Card Application Influencers, by Age, 2019
    • Table: Co-Branded Credit Card Application Influencers, by HH Income, 2019
  • Rewards Credit Cards: Usage Trends over Time
    • Cash Back, Points, Airline, Hotel and Other
    • Table: General-Purpose Credit Card Usage: Rewards vs. No Rewards, 2011-2019
    • Rewards Credit Card Usage Trends, by Card Network
    • Table: General-Purpose Rewards Credit Card Usage, by Card Network, 2011-2019
    • Rewards Credit Card Usage Trends: Cash Back and Points vs. Airlines and Hotels
    • Table: General-Purpose Rewards Credit Card Usage, by Reward Type, 2011-2019
    • Rewards Credit Card Demographics: Cash Back and Points vs. Airlines and Hotels
    • Table: General-Purpose Credit Card Usage in the Last 30 Days, by Card Network and Demographic, 2019
  • Co-Branded Credit Card Users: Attitudes Toward Rewards
    • Consumer Rankings of Importance
    • Table: Co-Branded Credit Card Users: Attitudes Toward Rewards, by Age, 2019
    • Table: Co-Branded Credit Card Users: Attitudes Toward Rewards, by HH Income, 2019

Co-Brand and Affinity Credit Card Issuers

  • Alliance Data Systems
    • Co-Branded Cards Accounting for Increasing Share of Business
    • An evolving client base
    • Competitive strategies
    • Private Label and Co-Branded Credit Card Partners
    • Client Signings and Related Momentum
    • The Co-Branded Card Connection
    • Table: Alliance Data Systems: U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, and Network, 2019
    • Table: BJ's Wholesale Club Co-Branded Credit Card Programs: In-Store Purchase Value, Out-of-Store Purchase Value, and Loan Receivables, 2016-2018
    • Co-Branded Credit Card Purchase Value Trends
    • Table: Alliance Data Systems Credit Card Purchase Value: Co-Brand Share, 2016-2018
  • American Express
    • 50+ Co-Branded Programs Globally
    • Co-Branded Credit Card Programs
    • Table: American Express Co-Branded Credit Card Brands, by Category, Sub-Category, and Type, 2019
    • Co-Branded Credit Card Purchase Value Analysis
    • Table: American Express Co-Branded Credit Cards: Global, U.S., and Non-U.S. Billed Business, 2015-2018
    • Co-Branded Credit Card Purchase Value Trends
    • Table: American Express U.S. Co-Branded Credit Card Billed Business, by Card Partner, 2015-2018
  • Bank of America
    • Focus on Strong Demographics, Multi-Product Appeal
    • Co-Brand Card Programs
    • Table: Bank of America: U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019
  • Barclays
    • Largest European Credit Card Issuer
    • Co-Branded Credit Card Programs
    • Table: Barclays U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019
    • JetBlue
    • Co-Branded Credit Card Purchase Value Trends
    • Table: Barclays U.S. Credit Card and Co-Branded Credit Card Purchase Value, 2015-2018
  • Capital One
    • Co-Branded Program Generates More Value than Private Label
    • Table: Capital One Co-Branded Credit Card Loans and Purchase Value, 2016-2018
    • Program Partners
    • Table: Capital One Financial: Private Label and Co-Brand Credit Card Program Partners, Retail Segment and Card Type, 2018
    • Impending Walmart Launch
  • Citibank
    • Citi-Branded Cards vs. Citi Retail Services
    • Co-Branded Credit Card Programs
    • Table: Citibank U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019
    • Major Co-Branded Card Partners
    • Co-Branded Credit Card Purchase Value Trends
    • Table: Citibank Co-Branded and Non-Co-Branded Credit Card Purchase Value, 2016-2018
  • First National Bank of Omaha
    • Table: First National Bank of Omaha U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019
  • JPMorgan Chase
    • Consumer, Small Biz General Card Operations Are Largest by Purchase Value
    • Co-Branded Credit Card Programs
    • Table: JPMorgan Chase U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019
  • Synchrony Financial
    • Co-Branded Credit Cards in U.S.
    • Table: Synchrony Financial U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019
  • U.S. Bank
    • Visa Dominates Co-Branded Programs
    • Table: U.S. Bank U.S. Co-Branded Credit Card Programs, by Brand, Segment, Sub-Segment, Network, and Type, 2019

appendix

  • Background
    • Major Retailer Benefits: Usable Data and Customer Loyalty
    • Major Cardholder Benefit: Buying Power
  • Methodology
    • Consumer Survey Methodology
    • Market Size and Forecast Methodology
  • Table Indexes
  • Terms and Definitions
    • Active card user
    • Call data
    • Compound annual growth rate (CAGR)
    • Credit card trust
    • Co-branded credit cards and affinity credit cards
    • General-purpose credit card
    • Own-branded credit card
    • Private label (store) credit card
    • Purchase value
    • Revenue passenger mile
    • Self-reported credit score
    • Tender share
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