Acquisition, Ownership, and Re-Engagement: The Levers that Shape Cardholder Value

Auriemma recently published the Q4-2025 Cardbeat US report. The issue examines network tier impact on credit card acquisition, who really owns the co-brand cardholder relationship, and re-engaging inactive cardholders. Those interested in learning more about Auriemma’s research or about this issue should contact research@auriemma.group.

Topics include:

Familiarity with network tiers
Whether offered/used network tier benefits
Perceptions of providers responsible for benefits offered
Willingness to pay for premium card benefits (+ amount)
Perceived responsibility for co-brand card features
Experiences with outages in card services
Providers responsible for resolving card-related issues
Inactive card ownership and tenure
Reasons for inactivity and incentives for re-use

From this report:

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Survey Methodology

This Auriemma Group study was conducted online within the US by an independent field service provider on behalf of Auriemma Group (Auriemma) in December 2025 among 800 adult credit cardholders. The number of interviews completed for both is sufficient to allow for statistical significance testing among sub-groups at the 95% confidence level ±5%, unless otherwise noted. The purpose of the research was not disclosed, nor did respondents know the criteria for qualifying.