Research on credit card decision-making

We are exploring tools that could reduce the mental effort of choosing which credit card to use and help people feel confident they are not missing rewards.

This short survey helps us understand what actually matters to users before deciding which features to build in an upcoming credit card management tool.

The survey takes about 3 - 5 minutes to complete, and we appreciate your participation.

How would you describe yourself as a credit card user?

A

I use credit cards casually and mainly want simplicity

B

I try to maximize rewards when I can

C

I actively track points, offers, and benefits

D

I am new to credit cards

How often do you feel like you miss out on rewards or offers you could have received?

A

Almost never

B

Sometimes

C

Often

D

Very often

E

I do not think about it

How do you currently decide which credit card to use for a purchase?

A

I always use the same card

B

I try to remember which card is best

C

I check notes or use another app or tool

D

I figure it out later, or do not optimize at purchase time

E

I do not think about it at all

What do you currently use, and what feels missing or frustrating about it?

What would make choosing the right card easier for you?

A

Automatic recommendations

B

Fewer cards to think about

C

Clear savings shown

D

Alerts at the right time

E

I am not interested in optimizing

Please rank the following features based on how valuable they would be to you in a credit card optimization app.
(Top = highest priority, bottom = lowest priority)

Please rank the following features based on how valuable they would be to you in a credit card optimization app.(Top = highest priority, bottom = lowest priority)

1

Personalized Card Recommendations - Automatically tells me which credit cards are best for me based on my real spending habits, and surfaces new card offers I am likely to qualify for.

1

Monthly Wallet Optimization - Highlights the best card to use each month based on rotating categories or temporary bonuses.

1

Store-Specific Card Promotions - Notifies me when a store I shop at, or could shop at, has special discounts or bonuses for specific cards I already own.

1

Targeted and Hidden Bank Offers - Surfaces bank offers that are specifically targeted to me, including limited-time or hidden offers that require activation.

Which outcome would make a tool like this most valuable to you?

A

Never missing valuable rewards or offers

B

Knowing which credit cards are best for me to open

C

Feeling confident I am always using the best card for each purchase