<ul><li>Card issuers can win the top-of-wallet spot by encouraging engagement with card-linked offers.</li><li>Active engagement with card-linked offers boosts credit card use, especially if the offers are relevant and personalized.</li><li>Frequent card users redeem rewards more often and actively look for card-linked offers, indicating the importance of tailored benefits.</li><li>Streamlining benefit discovery and redemption processes can convert passive users into active participants.</li></ul>

How Consumers Decide What Card Is Their Top of Wallet Go-To

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