Increasing card usage isn’t about one big campaign or a perfectly timed incentive. It’s built over time, through intentional, data‑informed engagement that shows up consistently across the cardholder lifecycle. The issuers that outperform aren’t chasing one‑off spikes; they’re shaping habits.

Credit card loyalty is eroding fast: Nearly three-quarters of satisfied cardholders are planning to look for a new card in 2026.1 To stay competitive, issuers are pushing harder on innovation, especially when it comes to