Credit Card Wars are in full swing. After a banner year of new card issuance are we about to enter a new phase where demand is lower and the bar for competitive differentiation is raised higher?

💡 And by the way, Credit Card Wars are really being waged by a few issuers who can afford the expense. Where does that leave the rest of the market and product marketers? A race to the bottom in profitability is not the answer. There are ways to compete in this environment that avoid the one-for-one Rewards push employed by some.

💡 We often seem to focus on why consumers buy or sign up for a new product, and in the process we often miss the 'why' our product is rejected. Is the biggest barrier to new card acquisition 'Not Enough Rewards'?

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