{"id":222628,"date":"2026-03-12T04:01:00","date_gmt":"2026-03-12T08:01:00","guid":{"rendered":"https:\/\/news-you-need.com\/index.php\/2026\/03\/12\/banks-use-ai-to-make-credit-card-rewards-more-personal\/"},"modified":"2026-03-12T04:10:13","modified_gmt":"2026-03-12T08:10:13","slug":"banks-use-ai-to-make-credit-card-rewards-more-personal","status":"publish","type":"post","link":"https:\/\/news-you-need.com\/index.php\/2026\/03\/12\/banks-use-ai-to-make-credit-card-rewards-more-personal\/","title":{"rendered":"Banks Use AI to Make Credit Card Rewards More Personal"},"content":{"rendered":"

Banks Use AI to Make Credit Card Rewards More Personal<\/a><\/p>\n

https:\/\/www.pymnts.com\/news\/artificial-intelligence\/2026\/banks-use-ai-to-make-credit-card-rewards-more-personal\/<\/a><\/p>\n

Publish Date: 2026-03-12 04:01:00<\/a><\/p>\n

Source Domain: www.pymnts.com<\/a><\/p>\n

The strategy was simple. If <\/span>a card <\/span>was<\/span> used<\/span> most often, it would generate the most transaction volume and deepen the relationship between the cardholder and issuer.<\/span><\/p>\n

However, that dynamic is beginning to shift. <\/span>Consumers now move fluidly between credit cards, <\/span>buy now<\/span>, <\/span>pay later<\/span> plans, debit cards, and digital wallets, depending on context, cash flow and convenience.<\/span> As payments choice becomes more flexible, loyalty to a single card is weakening.<\/span><\/p>\n

As PYMNTS CEO Karen Webster wrote Wednesday (March 11), consumers are increasingly managing spending across multiple payment tools rather than committing to a single <\/span>card<\/span>. In that environment, the challenge for issuers is shifting toward influencing the moment a consumer decides how to pay.<\/span><\/p>\n

Banks and payment networks are increasingly turning to artificial intelligence and transaction data to meet <\/span>that<\/span> challenge, using the technology to personalize offers, adjust rewards and tailor incentives <\/span>around<\/span> individual spending patterns.<\/span><\/p>\n

The Offers Feed Becomes the New Battleground<\/span><\/strong><\/h2>\n

Much of the innovation in credit card rewards is happening outside the checkout flow itself. Instead, the competitive frontier is shifting toward the offer ecosystems that shape purchasing behavior before a transaction occurs.<\/span><\/p>\n

Advertisement: Scroll to Continue<\/p>\n

\u201cI think the real AI revolution in credit cards isn\u2019t necessarily happening at checkout,\u201d <\/span>Jeanniey Walden<\/span>, chief marketing and executive advisor at <\/span>Rakuten Rewards<\/span>, told PYMNTS. \u201cIt\u2019s happening in the offers feed.\u201d<\/span><\/p>\n

Traditionally, rewards programs relied on broad categories, such as travel, groceries or dining. While those structures were simple, they <\/span>were designed<\/span> for a hypothetical \u201caverage\u201d cardholder whose spending patterns rarely matched reality, Walden said.<\/span><\/p>\n

AI is beginning to change that by analyzing large volumes of transaction data and behavioral signals to determine which merchants, discounts or promotions are most relevant to each cardholder.<\/span><\/p>\n

\u201cFor years,…<\/span><\/p>\n

Source<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Banks Use AI to Make Credit Card Rewards More Personal https:\/\/www.pymnts.com\/news\/artificial-intelligence\/2026\/banks-use-ai-to-make-credit-card-rewards-more-personal\/ Publish Date: 2026-03-12 04:01:00…<\/p>\n","protected":false},"author":1,"featured_media":222629,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/www.pymnts.com\/wp-content\/uploads\/2026\/03\/credit-cards-personalized-rewards.jpg","fifu_image_alt":"","footnotes":""},"categories":[14],"tags":[],"class_list":["post-222628","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence"],"_links":{"self":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/222628"}],"collection":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=222628"}],"version-history":[{"count":1,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/222628\/revisions"}],"predecessor-version":[{"id":222630,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/222628\/revisions\/222630"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/222629"}],"wp:attachment":[{"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=222628"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=222628"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=222628"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}