Optimizing Your Credit Card Rewards Program

Struggling to find the balance between an appealing credit card rewards program and the cost of managing it? These consumer trends and industry perspectives will help guide your credit union to building a viable program in 2025.

More than 40% of consumers identify rewards as the top motive for seeking a new credit card. However, the direct operational cost of a rewards product is higher on a per-balance basis than any other loan product. Most of these costs are attributed to cardmember acquisition and administrative expenses, whether in-house or through a third-party vendor. Read what influences consumer decisions, preferred rewards, and how your credit union’s reward cards can reach optimal performance and top-of-wallet status.

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