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Card Reward Program Services in the US Industry Data and Analysis
Macroeconomic improvements and greater acceptance of reward programs have driven growth for card reward program services. Despite the improving macroeconomic environment, consumers reduced their debt levels amid persistently high interest rates. A decline in aggregate household debt constrained revenue growth for the industry, as individuals' demand for operators' complementary services was limited. However, consumers maintained a taste for reward program services, while both national and local retailers increased their card-linked marketing efforts. In addition, rising per capita disposable income and corporate profit enable consumers' ability to manage credit card debt, causing revenue to grow at a CAGR of 4.1% to $1.1 billion over the past five years, including an expected increase of 1.5% in 2026 alone. Industry profit is also expected to climb and comprise 19.7% of revenue in the current year. The rate cuts in the latter part of the period contributed to greater consumer spending, positively influencing operators' profits.
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What's included in this industry analysis
IBISWorld's research coverage on the Card Reward Program Services industry in the United States includes market sizing, forecasting, data and analysis from 2016-2031. The most recent publication was released January 2026.
About this industry
What's this industry report about?
The Card Reward Program Services industry in the United States operates under the NAICS industry code OD5842. Card reward program services include operators that provide card-linked marketing programs and services to merchants, banks, card issuers and loyalty programs. Related terms covered in the Card Reward Program Services industry in the United States include loyalty program, consumer deleveraging and revenue recognition.
What's included in this industry?
Products and services covered in Card Reward Program Services industry in the United States include Bank reward solution services, Loyalty program services and Card reward program marketing services.
What companies are included in this industry?
Companies covered in the Card Reward Program Services industry in the United States include Mastercard Incorporated and Cartera Commerce, Inc.
Performance
What's included in the Performance chapter?
The Performance chapter covers detailed analysis, datasets, detailed current performance, sources of volatility and an outlook with forecasts for the Card Reward Program Services industry in the United States.
Questions answered in this chapter include what's driving current industry performance, what influences industry volatility, how do successful businesses overcome volatility, what's driving the industry outlook. This analysis is supported with data and statistics on industry revenues, costs, profits, businesses and employees.
Products & Markets
What's included in the Products and Markets chapter?
The Products and Markets chapter covers detailed products and service segmentation and analysis of major markets for the for the Card Reward Program Services industry in the United States.
Questions answered in this chapter include how are the industry's products and services performing, what are innovations in industry products and services, what products or services do successful businesses offer and what's influencing demand from the industry's markets. This includes data and statistics on industry revenues by product and service segmentation and major markets.
Geographic Breakdown
What's included in the Geographic Breakdown chapter?
The Geographic Breakdown chapter covers detailed analysis and datasets on regional performance of the Card Reward Program Services industry in the United States.
Questions answered in this chapter include where are industry businesses located and how do businesses use location to their advantage. This includes data and statistics on industry revenues by location.
Competitive Forces
What's included in the Competitive Forces chapter?
The Competitive Forces chapter covers the concentration, barriers to entry and supplier and buyer profiles in the Card Reward Program Services industry in the United States. This includes data and statistics on industry market share concentration, barriers to entry, substitute products and buyer & supplier power.
Questions answered in this chapter include what impacts the industry's market share concentration, how do successful businesses handle concentration, what challenges do potential industry entrants face, how can potential entrants overcome barriers to entry, what are substitutes for industry services, how do successful businesses compete with substitutes and what power do buyers and suppliers have over the industry and how do successful businesses manage buyer & supplier power.
Companies
What's included in the Companies chapter?
The Companies chapter covers Key Takeaways, Market Share and Companies in the Card Reward Program Services industry in the United States. This includes data and analysis on companies operating in the industry that hold a market share greater than 5%.
Questions answered in this chapter include what companies have a meaningful market share and how each company is performing.
External Environment
What's included in the External Environment chapter?
The External Environment chapter covers Key Takeaways, External Drivers, Regulation & Policy and Assistance in the Card Reward Program Services industry in the United States. This includes data and statistics on factors impacting industry revenue such as economic indicators, regulation, policy and assistance programs.
Questions answered in this chapter include what demographic and macroeconomic factors impact the industry, what regulations impact the industry, what assistance is available to this industry.
Financial Benchmarks
What's included in the Financial Benchmarks chapter?
The Financial Benchmarks chapter covers Key Takeaways, Cost Structure, Financial Ratios, Valuation Multiples and Key Ratios in the Card Reward Program Services industry in the United States. This includes financial data and statistics on industry performance including key cost inputs, profitability, key financial ratios and enterprise value multiples.
Questions answered in this chapter include what trends impact industry costs and how financial ratios have changed overtime.
Industry Data
What's included in the Industry Data chapter?
The Industry Data chapter includes 10 years of historical data with 5 years of forecast data covering statistics like revenue, industry value add, establishments, enterprises, employment and wages in the Card Reward Program Services industry in the United States.
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Frequently Asked Questions
What is the market size of the Card Reward Program Services industry in the United States in 2026?
The market size of the Card Reward Program Services industry in the United States is $1.0bn in 2026.
How many businesses are there in the Card Reward Program Services industry in the United States in 2026?
There are 112 businesses in the Card Reward Program Services industry in the United States, which has grown at a CAGR of 4.5 % between 2021 and 2026.
How may import tariffs affect the Card Reward Program Services industry in the United States?
The Card Reward Program Services industry in the United States is unlikely to be materially impacted by import tariffs with imports accounting for a low share of industry revenue.
How may export tariffs affect the Card Reward Program Services industry in the United States?
The Card Reward Program Services industry in the United States is unlikely to be materially impacted by export tariffs with exports accounting for a low share of industry revenue.
Has the Card Reward Program Services industry in the United States grown or declined over the past 5 years?
The market size of the Card Reward Program Services industry in the United States has been growing at a CAGR of 4.1 % between 2021 and 2026.
What is the forecast growth of the Card Reward Program Services industry in the United States over the next 5 years?
Over the next five years, the Card Reward Program Services industry in the United States is expected to grow.
What are the biggest companies in the Card Reward Program Services industry in the United States?
The biggest companies operating in the Card Reward Program Services industry in the United States are Mastercard Incorporated and Cartera Commerce, Inc.
What does the Card Reward Program Services industry in the United States include?
Providing bank reward solution services and Providing loyalty program services are part of the Card Reward Program Services industry in the United States.
Which companies have the highest market share in the Card Reward Program Services industry in the United States?
The company holding the most market share in the Card Reward Program Services industry in the United States is Mastercard Incorporated.
How competitive is the Card Reward Program Services industry in the United States?
The level of competition is high and increasing in the Card Reward Program Services industry in the United States.
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