Trends in Credit Card Acquisition
Behind the credit card growth are strategies ranging from the tried and true to emerging trends in successfully acquiring cardholders and attracting new audiences.
One key tactic to improve direct marketing response is continuous testing and refinement. When Bread Financial launched two new AAA Visa Cards in market, we first developed the initial direct marketing materials. But it didn’t stop there. Bread then asked us to help with the development of test creative for their pre-screened acquisition direct mail and email.
Each quarter, we updated the creative to test different components, while also maintaining the integrity of the control. The results of these tests have helped to continuously refine the offers and creative to maximize their effectiveness.
We tested a different headline focus, shifting from branded to pre-approved messaging to more quickly communicate the low hurdle for prospects.
We tested more headlines, as well as various limited-time only offers.
The test creatives were applied to both single and dual-product communications.
Ready to find your edge?
Get smarter strategy and breakthrough creative. Backed by unmatched client support.
Behind the credit card growth are strategies ranging from the tried and true to emerging trends in successfully acquiring cardholders and attracting new audiences.
Buy Now, Pay Later (BNPL) is no longer a novelty reserved for sneaker drops and flat-screen TVs. It has quietly become a household budgeting tool, woven into how consumers pay for groceries, utility bills, subscription services, and travel. That shift has profound implications for banks, credit unions, payment issuers, and fintechs — not just in product strategy, but in how marketing teams attract, retain, and engage customers.
Super Bowl LX drew 125M+ viewers and record-breaking ad prices, with financial services brands going big. The dominant theme was "AI is the new crypto", while others leaned on humor and humanity. Our takeaway: the strongest ads paired entertainment with a clear product message.