{"id":195041,"date":"2026-03-12T04:01:00","date_gmt":"2026-03-12T08:01:00","guid":{"rendered":"https:\/\/testing.news-you-need.com\/index.php\/2026\/03\/12\/banks-use-ai-to-make-credit-card-rewards-more-personal\/"},"modified":"2026-03-12T04:10:15","modified_gmt":"2026-03-12T08:10:15","slug":"banks-use-ai-to-make-credit-card-rewards-more-personal","status":"publish","type":"post","link":"https:\/\/testing.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":"<p><a href=\"https:\/\/www.pymnts.com\/news\/artificial-intelligence\/2026\/banks-use-ai-to-make-credit-card-rewards-more-personal\/\">Banks Use AI to Make Credit Card Rewards More Personal<\/a><\/p>\n<p><a href=\"https:\/\/www.pymnts.com\/news\/artificial-intelligence\/2026\/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\/<\/a><\/p>\n<p>Publish Date: <a href=\"publish_date]\">2026-03-12 04:01:00<\/a><\/p>\n<p>Source Domain: <a href=\"www.pymnts.com\">www.pymnts.com<\/a><\/p>\n<ul>\n<li>\n<p><strong>Changing Consumer Payment Dynamics:<\/strong> Consumers are increasingly using multiple payment tools like credit cards, buy now, pay later plans, debit cards, and digital wallets depending on context and convenience, weakening the loyalty to a single card.<\/p>\n<\/li>\n<li>\n<p><strong>Shift to Personalized Offers:<\/strong> Issuers are shifting focus from a single card to influencing consumer payment decisions using AI and transaction data to personalize offers, rewards, and incentives based on individual spending patterns.<\/p>\n<\/li>\n<li>\n<p><strong>Offer Ecosystem as New Battleground:<\/strong> The competition in credit card rewards has moved from traditional checkout rewards to offer ecosystems that shape purchasing behavior before a transaction occurs.<\/p>\n<\/li>\n<li>\n<p><strong>AI Revolution in Personalized Rewards:<\/strong> AI is analyzing transaction data and behavioral signals to determine the most relevant merchants, discounts, or promotions for each cardholder, moving away from generic rewards to more tailored offers.<\/p>\n<\/li>\n<li>\n<p><strong>Dynamic and Responsive Rewards:<\/strong> AI allows rewards to become more dynamic and responsive to individual behavior, enabling real-time customization of merchant offers, discounts, and category bonuses.<\/p>\n<\/li>\n<\/ul>\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>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&#8230;<\/p>\n","protected":false},"author":1,"featured_media":195042,"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-195041","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-artificial-intelligence"],"_links":{"self":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/195041"}],"collection":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/comments?post=195041"}],"version-history":[{"count":1,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/195041\/revisions"}],"predecessor-version":[{"id":195043,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/posts\/195041\/revisions\/195043"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media\/195042"}],"wp:attachment":[{"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/media?parent=195041"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/categories?post=195041"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/testing.news-you-need.com\/index.php\/wp-json\/wp\/v2\/tags?post=195041"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}