Credit Card Rewards Played Larger Role for Households

A 2026 survey shows how millions of U.S. families are using credit card perks to cover daily expenses and manage debt.

Updated on Oct. 6, 2026 in Credit Cards

Bold vector editorial illustration of a single minimalist credit card and rounded geometric currency shapes, representing consumer financial planning. — A 2026 survey found that 55% of U.S. credit card users now prioritize rewards as a key tool for managing daily expenses and debt. AI Illustration. Upload story photo >

Live Poll

Do credit card rewards provide you with meaningful help in managing your personal monthly budget?

Between August 6 and August 12, 2026, a survey of 1,499 U.S. credit card users found that 55% of consumers now prioritize rewards more than they did three years ago. This shift reflects an increasing reliance on card perks to manage household budgets and spending power.

Why it matters

As costs shift, many households are using credit card rewards not just for luxury spending, but as a mechanism to help pay down debt or fund essentials like dining out. The data highlights a growing trend of consumers actively optimizing their card choice to capture these financial benefits.

A survey of 1,499 credit card users shows 76% of high-income households prioritize rewards rates, compared to 58% of households earning under $50,000. Meanwhile, 41% of all respondents report that available perks now actively influence where they choose to spend their money.

The players

Citizens Financial Group

A financial services institution that provides banking, lending, and credit card products to consumers.

The details

The survey results reveal that cardholders are integrating rewards directly into their financial planning. Beyond debt repayment and savings, 24% of respondents reported making major purchases sooner because of accrued rewards, while 39% leveraged perks to afford dining out. This behavior underscores a shift toward using card benefits as a tactical tool for managing cash flow.

August 6-12, 2026: Citizens Financial Group conducted the survey.

Money Landscape

This shift in behavior reflects a broader trend of households treating credit card rewards as a necessary financial buffer rather than a supplementary bonus. The findings mark a departure from earlier periods where perks were often viewed as secondary to base card features.

If you are balancing debt, consider reviewing your current credit card terms to see if your rewards structure aligns with your spending habits. Speak with a financial professional to discuss whether optimizing your cards for points or cash back fits your broader household budget strategy.

The takeaway

Consumers are increasingly relying on rewards to offset daily costs and accelerate debt reduction. Review your own statements to ensure your current card selection maximizes the value you receive based on your typical monthly spending categories.