Global Credit Card Rewards Programs: How Consumer Preferences Change by Region

Achieving global scale requires a localized understanding of every market. Without that “boots-on-the-ground” knowledge, your credit card rewards may entice some signups, but won’t earn the long-term loyalty needed to drive continued ROI.

To launch personalized card offers that excite new audiences in new markets, financial services companies need a data-backed resource that shows where consumer preferences overlap between international markets — and where they diverge.

This study unifies consumer surveys across five major regions (Asia—Pacific, Europe, Middle East—Africa, North America, and South America) and distills actionable insights, such as:

• Cash back is king, even when rewards points and discounts technically offer more value
• Consumers prefer to redeem points on essentials like groceries rather than airline travel rewards
• Cardholders want transparency on points earned, bonus rewards, and statement credits (and when they expire), all presented via a seamless mobile app experience.

With these universal insights and many more region-specific takeaways, your brand will create go-to-market strategies that emphasize your credit card’s flexibility for earning rewards and valuable perks, positioning you to successfully launch or relaunch into global markets.

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