# CardsFTW
> A weekly newsletter, released most Wednesdays, that offers insights and analysis on new products in the credit and debit card industry for both consumers and providers.
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Append `.md` to any post or page URL to get the content in Markdown (for example, `/example-post.md`).

## Pages
- [Why subscribe to CardsFTW?](https://www.cardsftw.com/about.md) - Come for the insight, stay for the snark.
- [CardsFTW Reading List](https://www.cardsftw.com/cardsftw-reading-list.md) - In addition to your weekly read of CardsFTW, we have developed a list of books we love for background on all things cards, payment, rewards, and debt. Affiliate disclosure: the book links above go through Bookshop.org, where CardsFTW is an affiliate. Bookshop.org supports independent bookstores; if…
- [Referral Program](https://www.cardsftw.com/refer.md) - Share CardsFTW, Earn Rewards Love CardsFTW? Share it with friends and earn exclusive rewards for every person who subscribes. Reward Tiers 🎨 3 Referrals Exclusive Sticker 🧦 5 Referrals CardsFTW Socks ⭐ 10 Referrals Free Year Enter your email to get your referral link Your Progress How It Works 1.…
- [Sponsor CardsFTW](https://www.cardsftw.com/sponsor.md) - CardsFTW is a weekly newsletter, released on Wednesdays, that offers insights and analysis on new products in the credit and debit card industry for both consumers and providers. We are the leading newsletter covering payment cards in the fintech landscape. Our Audience Our audience includes decisi…

## Posts
- [Predict Your Customers’ Behavior by Knowing Them Better - CardsFTW #225](https://www.cardsftw.com/predict-your-customers-behavior-by-knowing-them-better-cardsftw-225.md) - Spade’s just-announced Predictions product creates new opportunities for better lending and reduced fraud
- [Credit Card Programs Consume a Lot of Money - CardsFTW #224](https://www.cardsftw.com/credit-card-programs-consume-a-lot-of-money-cardsftw-224.md) - Plus, Amex and Perplexity Do Something New
- [Your AI Agent Needs a Credit Card. Sort Of. - CardsFTW #223](https://www.cardsftw.com/your-ai-agent-needs-a-credit-card-sort-of-cardsftw-223.md) - Plus, new cards from IHG, Fabletics, Atmos, U.S. Bank, the Golden Knights, and more!
- [Imprint Lands Kroger - CardsFTW #222](https://www.cardsftw.com/imprint-lands-kroger.md) - Plus, our annual issuer processor market analysis is out!
- [A Compelling Travel Card, for Members Only - CardsFTW #221](https://www.cardsftw.com/robinhood-platinum-navy-federal-nu-us-launch.md) - Plus, a couple of truly beautiful new cards, and what real platinum is like
- [Friendly Fraud Isn’t Very Friendly - CardsFTW 220](https://www.cardsftw.com/friendly-fraud-isnt-very-friendly-cardsftw-220.md) - I have always thought “friendly fraud” was a strange term.
- [Open Banking Data is Not Great - CardsFTW #219](https://www.cardsftw.com/open-banking-data-is-not-great-cardsftw-219.md) - Plus, FNBO Launches a New Card
- [Don't Forget Your Knuckle Buster - CardsFTW #218](https://www.cardsftw.com/dont-forget-your-knuckle-buster-cardsftw-218.md) - Plus, five new card launches
- [The Robots Are Coming - CardsFTW #217](https://www.cardsftw.com/the-robots-are-coming.md) - Plus, Walmart Finally Adds Tap to Pay!
- [Avant Tries Sports Again with New NASCAR Deal - CardsFTW #216](https://www.cardsftw.com/avant-tries-sports-again-with-new-nascar-deal-cardsftw-216.md) - Plus, Mercury gets stoned, Upgrade tries again, 35% APRs, and Mine shuts down
- [Instant Card Payments Aren’t Instant - CardsFTW #215](https://www.cardsftw.com/instant-card-payments-arent-instant.md) - Plus, a new HELOC Card, Square Bill Pay, and more.
- [Sponsor Banks Doing It For Themselves - CardsFTW #214](https://www.cardsftw.com/sponsor-banks-doing-it-for-themselves.md) - Plus, New Green Card on the Way, Manifest, and Kroger Cobrand Update
- [A Brief History of Modern Secured Credit - CardsFTW #213](https://www.cardsftw.com/a-brief-history-of-modern-secured-credit.md) - Plus, new cards from Samsung, USAA, and more
- [Gift Cards: The Fraudster's Favorite Off-Ramp - CardsFTW #212](https://www.cardsftw.com/gift-cards-the-fraudsters-favorite-off-ramp-cardsftw-212.md) - Plus, results of the optimizer survey
- [Cards We Don’t Always Talk About - CardsFTW #211](https://www.cardsftw.com/cards-we-dont-always-talk-about-cardsftw-211.md) - Plus, global co-brand news updates and pay with points
- [Underwriting is More Than Your Score - CardsFTW #210](https://www.cardsftw.com/underwriting-is-more-than-your-score-cardsftw-210.md) - Plus, the CFPB thinks people complain too much, and a new credit card for lawyers
- [Even Card Rewards are Gambling Now - CardsFTW #209](https://www.cardsftw.com/even-card-rewards-are-gambling-now-cardsftw-209.md) - Plus, Another CashApp Tag and Wyndham Goes Upscale
- [Settlement Surcharges Will Lead to More Confusion - CardsFTW #208](https://www.cardsftw.com/settlement-surcharges-will-lead-to-more-confusion.md) - Plus, Spinwheel Data, Kudos launches my favorite Wallaby feature, and more
- [Fairy Pay: Who Needs a Physical Card Anymore? - CardsFTW #207](https://www.cardsftw.com/cashapp-wand-first-impressions.md) - Plus, Neo, USAA, and Tether launch news cards
- [It’s the Little Things - CardsFTW #206](https://www.cardsftw.com/its-the-little-things-cardsftw-206.md) - Plus, Premium Card Profitability, a US Consumer Debt Update, and Yendo’s Unsecured Card
- [Are Cards and Accounts the Same Thing? - CardsFTW #205](https://www.cardsftw.com/are-cards-and-accounts-the-same-thing.md) - Plus, Two Big Imprint Launches and New CLOs at Bank of America
- [Score! 10% Rewards at Dick’s Sporting Goods - CardsFTW #204](https://www.cardsftw.com/score-10-rewards-at-dicks-sporting-goods-cardsftw-204.md) - Plus, Uber Drops Discover, Citi Makes ThankYou Points Worse, and New Fancy Lounges
- [Dear Discover, Is this the End - CardsFTW #203](https://www.cardsftw.com/exploring-card-network-brand-equity.md) - Does “Discover Network” have meaningful brand equity, and what will happen next in the Capital One integration?
- [Bitcoin-Secured Credit for Real - CardsFTW #202](https://www.cardsftw.com/cardsftw-202-bitcoin-secured-credit-for-real.md) - Plus, Amex Gold Updates, a new Lowe’s Card, and more
- [Learnings from (Bank) Earnings - CardsFTW #201](https://www.cardsftw.com/cardsftw-201-learnings-from-bank-earnings.md) - Plus, some new cards from brands you may not be thinking about every day
- [Airline Co-brand Debit Expands - CardsFTW #200](https://www.cardsftw.com/cardsftw-200-airline-co-brand-debit-expands.md) - Plus, wow, 200 issues, and Capital One Spark rebrands
- [Intuit’s 2% SMB Card is Here - CardsFTW #199](https://www.cardsftw.com/cardsftw-199-intuits-2-smb-card-is-here.md) - Plus, I Mourn the AMEX Plum Card, and More New Cards!
- [Amex Sponsors NFL - CardsFTW #198](https://www.cardsftw.com/cardsftw-198-amex-sponsors-nfl.md) - Plus, New Graphite, Amazon, and Royal Caribbean Cards & FTMU 2026
- [Private Credit Funds Your Fintech Card - CardsFTW #197](https://www.cardsftw.com/cardsftw-197-private-credit-funds-your-fintech-card.md) - Plus, Conference Season and Boost Money
- [Cards Goooooaaaaaals - CardsFTW #196](https://www.cardsftw.com/cardsftw-196-cards-goooooaaaaaals.md) - Plus, Ford’s turn to revamp cards
- [All the Metal Cards - CardsFTW #195](https://www.cardsftw.com/cardsftw-195-all-the-metal-cards.md) - Robinhood, Rogers, and MetaMask
- [Time for a New Wardrobe - CardsFTW #194](https://www.cardsftw.com/cardsftw-194-time-for-a-new-wardrobe.md) - Plus, More United News, Discover Network is Coming, and Conference Season Begins
- [United Demands Your Loyalty - CardsFTW #193](https://www.cardsftw.com/cardsftw-193-united-demands-your-loyalty.md) - Plus, more on BofA rewards and merchant steering research
- [Everybody Focus on Cards! - CardsFTW #192](https://www.cardsftw.com/cardsftw-192-everybody-focus-on-cards.md) - Plus, Cards 101 and Infrastructure
- [It’s the Dawning of the Age of Migration - CardsFTW #191](https://www.cardsftw.com/cardsftw-191-its-the-dawning-of-the-age-of-migration.md) - Plus, Inspire, Shield, Slate, and more
- [Goodbye, Pay by Palm - CardsFTW #190](https://www.cardsftw.com/cardsftw-190-goodbye-pay-by-palm.md) - Plus, BILT 2.0, StellarFi Launch, and more
- [A Deep Dive on Coinbase’s Card - CardsFTW #189](https://www.cardsftw.com/cardsftw-189-a-deep-dive-on-coinbases-card.md) - Plus, Brexit, Bushel, Bank Charters, and a new Airline Card
- [A Stablecoin Card Primer - CardsFTW #188](https://www.cardsftw.com/cardsftw-188-a-stablecoin-card-primer.md) - Plus, Fanatics Announces a Card, and Bilt’s Confusing Launch
- [Ten Percent - CardsFTW #187](https://www.cardsftw.com/cardsftw-187-ten-percent.md) - Plus, the Apple Card heads to JP Morgan Chase
- [The Biennial CFPB Consumer Credit Market Report - CardsFTW #186](https://www.cardsftw.com/cardsftw-186-the-biennial-cfpb-consumer-credit-market-report.md) - Plus, Fancy Cards Require a Year-End Review
- [Everyone Wants to be a Bank (Again) - CardsFTW #185](https://www.cardsftw.com/cardsftw-185-everyone-wants-to-be-a-bank-again.md) - Plus, more on Cap One / Discover, and the merchant settlement
- [Credit Cards Are Hard - CardsFTW #184](https://www.cardsftw.com/cardsftw-184-credit-cards-are-hard.md) - Plus, New Membership Programs, Virtual Card Numbers, and More
- [Retention vs. Acquisition - CardsFTW #183](https://www.cardsftw.com/cardsftw-183-retention-vs-acquisition.md) - Plus, Deals on Socks, Predictions for 2026 and more
- [Robinhood Gold - CardsFTW #182](https://www.cardsftw.com/cardsftw-182-robinhood-gold.md) - Plus, NerdCon, Tallied’s New Play, Curve’s Exit & Kudos Expands
- [Discover Network Challenges - CardsFTW #181](https://www.cardsftw.com/cardsftw-181-discover-network-challenges.md) - Plus, lots of rewards news
- [Do Not Honor All Cards - CardsFTW #180](https://www.cardsftw.com/cardsftw-180-do-not-honor-all-cards.md) - Plus, the 5321 card is a sign of an emerging trend
- [Notes from Vegas - CardsFTW #179](https://www.cardsftw.com/cardsftw-179-notes-from-vegas.md) - Plus, new debit and credit cards, deals day, and more
- [Citi Fumbles the Strata - CardsFTW #178](https://www.cardsftw.com/cardsftw-178-citi-fumbles-the-strata.md) - Plus, another AAdvantage card, CSR benefits begin, and Karta goes global
- [I See New Cards - CardsFTW #177](https://www.cardsftw.com/cardsftw-177-i-see-new-cards.md) - Plus, how many cards is too many cards?
- [The Return of HELOC Cards - CardsFTW #176](https://www.cardsftw.com/cardsftw-176-the-return-of-heloc-cards.md) - Plus, Money20/20 Parties and AI-powered debit cards
- [The Fintech Navigator - CardsFTW #175](https://www.cardsftw.com/cardsftw-175-the-fintech-navigator.md) - Plus, my Amex is very shiny, airline debit and credit cards, and more
- [The New Amex Platinum Arrives - CardsFTW #174](https://www.cardsftw.com/cardsftw-174-the-new-amex-platinum-arrives.md) - Plus, Celebrating Five Years of CardsFTW, and Details on Fold
- [Chime Refreshes Credit - CardsFTW #173](https://www.cardsftw.com/cardsftw-173-chime-refreshes-credit.md) - Plus, a big subprime merger
- [Managing Data and Dollars - CardsFTW #172](https://www.cardsftw.com/cardsftw-172-managing-data-and-dollars.md) - Unpacking fintech’s favorite abbreviations
- [More on Usury Laws - CardsFTW #171](https://www.cardsftw.com/cardsftw-171-more-on-usury-laws.md) - Plus, What's Up With Utah?
- [The Scamdemic - CardsFTW #170](https://www.cardsftw.com/cardsftw-170-the-scamdemic.md) - Plus, The Atmos Visa Infinite Launches, SavorOne Changes, and the OnePay Card
- [Only Banks Are Banks - CardsFTW #169](https://www.cardsftw.com/cardsftw-169-only-banks-are-banks.md) - Plus, Black is the New 🤷, a new GM Business card, and more …
- [We Have to Talk About Durbin - Again - CardsFTW #168](https://www.cardsftw.com/cardsftw-168-we-have-to-talk-about-durbin-again.md) - Plus, new cards from Wix, Fetch, Tilt, BMO, and more!
- [Consumers Are Strained - CardsFTW #167](https://www.cardsftw.com/cardsftw-167-consumers-are-strained.md) - Plus, A Light-Up Stablecoin Card, Booking.com Credit Card, and More
- [New Rakuten Amex Launches - CardsFTW #166](https://www.cardsftw.com/cardsftw-166-new-rakuten-amex-launches.md) - Plus, Southwest Card Fee Increases, AI Card Design, and A LOT more
- [Everyone Wants a Super-Premium Card - CardsFTW #165](https://www.cardsftw.com/cardsftw-165-everyone-wants-a-super-premium-card.md) - Plus, Gaming Cards and the End of Chase Dining (Did You Know That Existed?)
- [Protecting Cards & Data - CardsFTW #164](https://www.cardsftw.com/cardsftw-164-protecting-cards-data.md) - Plus, ISO 20022 in 2025
- [The Core Processor Market Analysis - CardsFTW #163](https://www.cardsftw.com/cardsftw-163-the-core-processor-market-analysis.md) - Plus, Wawa Gets a Card
- [A Deep Dive on Credit Card Approval Rates - CardsFTW #162](https://www.cardsftw.com/cardsftw-162-a-deep-dive-on-credit-card-approval-rates.md) - Plus, insights into the approval funnels of popular cards
- [Chase Sapphire Changes - CardsFTW #161](https://www.cardsftw.com/cardsftw-161-chase-sapphire-changes.md) - Plus, Stablecoin Settlement, Lending Club Checking, and more
- [A Deep Dive on New Card Program Strategy - CardsFTW #160](https://www.cardsftw.com/cardsftw-160-a-deep-dive-on-new-card-program-strategy.md) - Plus, New Citizens Cards and Chase Updates
- [Buy Now, Pay Later, and Credit Cards Keep Colliding - CardsFTW #159](https://www.cardsftw.com/cardsftw-159-buy-now-pay-later-and-credit-cards-keep-colliding.md) - Plus, So. Much. News.
- [CNP Fraud Isn’t Following Expected Patterns - CardsFTW #158](https://www.cardsftw.com/cardsftw-158-cnp-fraud-isnt-following-expected-patterns.md) - Plus, my Southwest Airlines luggage theory
- [Bye, Bye Bluebird - CardsFTW #157](https://www.cardsftw.com/cardsftw-157-bye-bye-bluebird.md) - Plus, New Layers to the Citi Strata Cards
- [Discover Capital One / Capital One Discover - CardsFTW #156](https://www.cardsftw.com/cardsftw-156-discover-capital-one.md) - Plus, BILT does add JAL, Mastercard MoonPay, and more
- [Stripe’s New Card Products - CardsFTW #155](https://www.cardsftw.com/cardsftw-155-stripes-new-card-products.md) - Plus, first movers from Deserve, Apple + Uber, PNC's latest, and more
- [Credit Card Branding Drives APRs - CardsFTW #154](https://www.cardsftw.com/cardsftw-154-credit-card-branding-drives-aprs.md) - Plus, usury laws and legal cases allow them to charge a lot, regardless of state law
- [Buckle Up for Rewards - CardsFTW #153](https://www.cardsftw.com/cardsftw-153-buckle-up-for-rewards.md) - Plus, Bilt updates, Crypto.com, free coffee, and more
- [More Than Just Points - CardsFTW #152](https://www.cardsftw.com/cardsftw-152-more-than-just-points.md) - Plus, Merger & Acquisitions, Gaming Cards, and More
- [Swiss Cheese Security - CardsFTW #151](https://www.cardsftw.com/cardsftw-151-swiss-cheese-security.md) - Plus, More Pay by Car and Deserve Sells
- [Small Merchants Didn’t Benefit from Interchange Regulations - CardsFTW #150](https://www.cardsftw.com/cardsftw-150-small-merchants-didnt-benefit.md) - Plus, Goodbye to the Zelle App, and Quick Notes
- [Credit Card Affiliate Marketing - CardsFTW #149](https://www.cardsftw.com/cardsftw-149-credit-card-affiliate-marketing.md) - Plus, a disappointing Canadian credit card
- [The Many Parts of a Credit Card - CardsFTW #148](https://www.cardsftw.com/cardsftw-148-the-many-parts-of-a-credit-card-2.md) - Plus, Annual Fee Inflation
- [Credit Card Program Manager Report - CardsFTW #147](https://www.cardsftw.com/cardsftw-147-credit-card-program-manager-report.md) - Plus, Fintech Meetup Wrap-up, Wyndham Debit, and More
- [The Crypto Card Comeback - CardsFTW #146](https://www.cardsftw.com/cardsftw-146-the-crypto-card-comeback.md) - Plus, Amex acquires Center and more
- [Surprise Rewards! - CardsFTW #145](https://www.cardsftw.com/cardsftw-145-surprise-rewards.md) - Plus, a new bitcoin credit card, cash loads, and more
- [It’s All About Redemption - CardsFTW #144](https://www.cardsftw.com/cardsftw-144-its-all-about-redemption.md) - Plus, Mastercard One
- [Nibbles, The Pet Insurance Card - CardsFTW #143](https://www.cardsftw.com/cardsftw-143-nibbles-the-pet-insurance-card.md) - Plus, Cash App Tortoise Shell, BNPL on Debit, and Fed Research
- [A Deep Dive into Card Design - CardsFTW #142](https://www.cardsftw.com/cardsftw-142-a-deep-dive-into-card-design.md) - Plus, Enhanced Transaction Data
- [Card-Linked Offers: How They Work, Who Pays, and Why They Exist - CardsFTW #141](https://www.cardsftw.com/cardsftw-141-card-linked-offers-how-they-work-who-pays-and-why-they-exist-2.md) - Plus, a new JetBlue Card
- [Costco Card Changes - CardsFTW #140](https://www.cardsftw.com/cardsftw-140-costco-card-changes.md) - Plus, Card Portfolio M&A, Peyton Manning, and more
- [Deep Dive on Rewards Structures - CardsFTW #139](https://www.cardsftw.com/cardsftw-139-deep-dive-on-rewards-structures.md) - Plus, my thoughts on fintech infrastructure
- [Open Banking Standards - CardsFTW #138](https://www.cardsftw.com/cardsftw-138-open-banking-standards.md) - Plus, Fires, Saying Goodbye to Dosh, and More
- [End-of-Year CFPB Excitement - CardsFTW #137](https://www.cardsftw.com/cardsftw-137-end-of-year-cfpb-excitement.md) - Plus, Bernie Sanders hates risk-based pricing and more
- [There is No One Card to Rule Them All - CardsFTW #136](https://www.cardsftw.com/cardsftw-136-there-is-no-one-card-to-rule-them-all.md) - Plus, Netflix + Mastercard, New Alaska Airlines Card
- [PIN-less Debit - CardsFTW #135](https://www.cardsftw.com/cardsftw-135-pin-less-debit.md) - Plus, A New Card from Hard Rock(!), and American Airlines card consolidation
- [Cards & Live Events - CardsFTW #134](https://www.cardsftw.com/cardsftw-134-cards-live-events.md) - Plus, Eddie Bauer launched a new card, and I complain about ACH fees
- [A Card Nerd's Gift Guide - CardsFTW #133](https://www.cardsftw.com/cardsftw-133-a-card-nerds-gift-guide.md) - Thanksgiving is late this year, and the traditional holiday shopping period is one week shorter. We're taking a break from our usual programming to share a fun-filled gift guide for fintech and credit card nerds. Share this with your loved ones so they know what to get you, or treat yourself! Goldm…
- [Rewards and 1033 - CardsFTW #132](https://www.cardsftw.com/cardsftw-132-rewards-and-1033-2.md) - Plus a New Card Funding College Athletes
- [Debit, Credit, Charge, What’s the Difference? - CardsFTW #131](https://www.cardsftw.com/cardsftw-131-debit-credit-charge-whats-the-difference.md) - A Look at Card Evolution
- [Subscriptions, Subscriptions, Subscriptions! - CardsFTW #130](https://www.cardsftw.com/cardsftw-130-subscriptions-subscriptions-subscriptions.md) - ✍️Sponsored by ScribeUp – subscription management for your banking app It’s not news that most people feel overwhelmed by subscriptions. You might even have a subscription to a tool to manage your subscriptions. We all spend a lot on recurring charges, from coffee beans to streaming, home services,…
- [Money, in Perfect Vision - CardsFTW #129](https://www.cardsftw.com/cardsftw-129-money-in-perfect-vision.md) - Plus, Novo’s New Business Card, Card Perks Expand, and more
- [Celebrating 50 Years of ECOA - CardsFTW #128](https://www.cardsftw.com/cardsftw-128-celebrating-50-years-of-ecoa.md) - Plus, Our Data Aggregator Market Analysis Launches, Kudos' Perk Tracker, and More
- [Gen Z Doesn't Like Credit Cards - CardsFTW #127](https://www.cardsftw.com/cardsftw-127-gen-z-doesnt-like-credit-cards.md) - Plus, we’re taking back what we said about the news slowing down… Money20/20 Totavi is going to Money20/20, and we’d love to meet up! If you want to connect, fill out this quick form. We’re also organizing a directory of all the events happening around the conference, so be sure to check it out her…
- [Credit Card Rates Are Too High - CardsFTW #126](https://www.cardsftw.com/cardsftw-126-credit-card-rates-are-too-high.md) - Plus, managing subscriptions is getting to be a big business
- [Loyalty Debit Cards - CardsFTW #125](https://www.cardsftw.com/cardsftw-125-loyalty-debit-cards.md) - Plus, Totavi Does Marketing Now
- [Streaming Deals - CardsFTW #124](https://www.cardsftw.com/cardsftw-124-streaming-deals.md) - Plus, New Best Western Cards, Bilt for Mortgage, and More
- [Understanding FBOs in Fintech - CardsFTW #123](https://www.cardsftw.com/cardsftw-123-understanding-fbos-in-fintech.md) - Plus, is JPMorgan taking over the Apple card?
- [PayPal Goes Big - CardsFTW #122](https://www.cardsftw.com/cardsftw-122-paypal-goes-big.md) - Plus, Robinhood Gold Card in the Wild and New Cards from Alibaba and US Bank
- [No One Wins a Chargeback - CardsFTW #121](https://www.cardsftw.com/cardsftw-121-no-one-wins-a-chargeback.md) - Inside the industry, we often talk about who "wins" a chargeback: the cardholder or the merchant. The truth is more straightforward: no one wins with a chargeback. They're bad news for everyone.
- [Private Label Cards - CardsFTW #120](https://www.cardsftw.com/cardsftw-120-private-label-cards.md) - Plus, Ongoing Point Devaluations and What Happens to Points and Miles in a Divorce?
- [A Modest Proposal for Fintech Account Insurance - CardsFTW #119](https://www.cardsftw.com/cardsftw-119-a-modest-proposal-for-fintech-account-insurance.md) - Plus, Weird Chips Are Real, Apple Opens Its Wallet, and More
- [Will it Pay to Paze? - CardsFTW #118](https://www.cardsftw.com/cardsftw-118-did-we-really-need-another-checkout-experience.md) - Plus, BMO’s new card, two new secured cards, and a card made of jewelry?
- [Interest - CardsFTW #117](https://www.cardsftw.com/cardsftw-117-interest.md) - Plus, Sapphire’s “Plastic” Gets Fancier
- [Fintech Breaks Into Big Retail - CardsFTW #116](https://www.cardsftw.com/cardsftw-116-fintech-breaks-into-big-retail.md) - Plus, Credit Cards are Causing Fights, White Gold, and more.
- [It's More Than a Credit Card - CardsFTW #115](https://www.cardsftw.com/cardsftw-115-its-more-than-a-credit-card.md) - Plus, Julie VerHage-Greenberg and I are cohosting a podcast!
- [Evolve’s Impact on the Fintech Industry - CardsFTW #114](https://www.cardsftw.com/cardsftw-114-evolves-impact-on-the-fintech-industry.md) - Plus, Target stops taking checks, and Expedia launches a new credit card.
- [Problems with Persistent Credentials - CardsFTW #113](https://www.cardsftw.com/cardsftw-113-problems-with-persistent-credentials.md) - Plus, A New Fintech-Powered Airline Card
- [Should You Use Rewards at Check Out - CardsFTW #112](https://www.cardsftw.com/cardsftw-112-should-you-want-to-pay-with-rewards.md) - Plus, I love intelligent card security
- [Levels of Data - CardsFTW #111](https://www.cardsftw.com/cardsftw-111-levels-of-data.md) - Plus, I’m Not Writing About Bilt Again, More Apple Pay
- [Wells Fargo’s Self-Care Card - CardsFTW #110](https://www.cardsftw.com/cardsftw-110-wells-fargos-self-care-card.md) - Plus, Apple Wallet Enhancements, Visa DPS Credit, and More
- [More Digital Wallets - CardsFTW #109](https://www.cardsftw.com/cardsftw-109-more-digital-wallets.md) - Plus, American Express Crushes It, Capital Cash, and More
- [Digging Deep on Bilt - CardsFTW #108](https://www.cardsftw.com/cardsftw-108-digging-deep-on-bilt.md) - Plus, Virgin’s Card & Loyalty Play and Amex + Emburse = Amexburse
- [Visa Gets Flexible - CardsFTW #107](https://www.cardsftw.com/cardsftw-107-visa-gets-flexible.md) - Plus, Earned Wage Access and More
- [New Card Season - CardsFTW #106](https://www.cardsftw.com/cardsftw-106-new-card-season.md) - Plus, BAASplosion, The CFPB is Working Overtime & Helicopters For Elites
- [New & Improved Corporate Cards - CardsFTW #105](https://www.cardsftw.com/cardsftw-105-new-improved-corporate-cards.md) - Plus, the slow dismantling of Goldman-Sachs co-brand business
- [Teen Card Deep Dive - CardsFTW #104](https://www.cardsftw.com/cardsftw-104-teen-card-deep-dive.md) - Plus, the return of the true airplane rewards card
- [Debit Card Program Managers - CardsFTW #103](https://www.cardsftw.com/cardsftw-103-debit-card-program-managers.md) - Plus, So Many New Cards from Klarna, Qatar, Mercury, and more!
- [Spending is Up. So is Fraud. - CardsFTW #102](https://www.cardsftw.com/spending-is-up-so-is-fraud.md) - With increased consumer spending, players across the payments value chain have also experienced increased fraudulent charges, chargebacks, and disputes.
- [Deep Thoughts on Recent News - CardsFTW #101](https://www.cardsftw.com/cardsftw-101-deep-thoughts-on-recent-news.md) - Plus, An Exit for Petal
- [Is it a Fintech Crisis? - CardsFTW #100](https://www.cardsftw.com/cardsftw-100-is-it-a-fintech-crisis.md) - Plus, Walmart Credit Card Updates and Interesting New Products
- [A Huge Merchant Settlement Lands - CardsFTW #99](https://www.cardsftw.com/cardsftw-99-a-huge-merchant-settlement-lands.md) - Plus, Robinhood’s New Credit Card, Cashback on Mortgage Payments, and so much more
- [The Economics of Points - CardsFTW #98](https://www.cardsftw.com/cardsftw-98-the-economics-of-points.md) - Plus, a new Mastercard healthcare tool
- [The CFPB Can’t Stop - CardsFTW #97](https://www.cardsftw.com/cardsftw-97-the-cfpb-cant-stop.md) - Plus, a new Wells Fargo Card and More Zelle
- [BaaS is a Four-Letter Word - CardsFTW #96](https://www.cardsftw.com/cardsftw-96-baas-is-a-four-letter-word.md) - Plus, Credit Card Marketing is Tainted and Chime's New Card-Linked Offers
- [Google Pay, No Google Wallet, No, Wait... - CardsFTW #95](https://www.cardsftw.com/cardsftw-95-google-pay-no-google-wallet-no-wait.md) - Plus, Vital Card Leaves Evolve and Chime Pays a Fine
- [Capital One to Acquire Discover - CardsFTW #94](https://www.cardsftw.com/cardsftw-94-capital-one-to-acquire-discover.md) - Plus, a new Starbucks Credit Card Deal, a CardsWTF entry, and more!
- [BILT FOMO - CardsFTW #93](https://www.cardsftw.com/cardsftw-93-bilt-fomo.md) - Plus, the ABLE account from Bangor Savings Bank & Fiserv's Unique Charter Application
- [Traditional Programs, Modern Platforms - CardsFTW #92](https://www.cardsftw.com/cardsftw-92-traditional-programs-modern-platforms.md) - Plus, why did Expensify send me a card?
- [Fintech and Finserv - CardsFTW #91](https://www.cardsftw.com/cardsftw-91-fintech-and-finserv.md) - Plus, More on Overdraft Fees
- [What Did They Do To My Amazon Fresh Store? - CardsFTW #90](https://www.cardsftw.com/cardsftw-90-what-did-they-do-to-my-amazon-fresh-store.md) - Plus, Fraud, Junk Fees, and Climate Cards
- [A Shifting Credit Card Market - CardsFTW #89](https://www.cardsftw.com/cardsftw-89-a-shifting-credit-card-market.md) - Plus, we are launching another newsletter!
- [2024 Predictions - CardsFTW #88](https://www.cardsftw.com/cardsftw-88-2024-predictions.md) - Plus, Synctera Heads North, Another Payment Anti-Trust Suit, and More
- [Amazon Ditches Venmo - CardsFTW #87](https://www.cardsftw.com/cardsftw-87-amazon-ditches-venmo.md) - Plus, more credit building
- [J.Crew Launches a Mastercard - CardsFTW #86](https://www.cardsftw.com/cardsftw-86-jcrew-launches-a-mastercard.md) - Plus, when airlines merge, what happens to their cards?
- [Black Friday's Decline in Closed-Loop Cards - CardsFTW #85](https://www.cardsftw.com/cardsftw-85-black-fridays-decline.md) - Plus, Virtual Cards and My Mighty Oaks Card
- [All is Not Lost in Fintech - CardsFTW #84](https://www.cardsftw.com/cardsftw-84-all-is-not-lost-in-fintech.md) - I’m thankful for innovators, even when things don’t work out
- [CardCon Recap - CardsFTW #83](https://www.cardsftw.com/cardsftw-83-cardcon-recap.md) - Plus, Regions New Credit Builder and Our First Edition of CardsWTF?
- [The Definitive CCaaS Analysis - CardsFTW #82](https://www.cardsftw.com/cardsftw-82-the-definitive-ccaas.md) - Plus, Mint’s Shutdown, Neon Money Club, and More
- [NerdWallet Launches a Credit Builder - CardsFTW #81](https://www.cardsftw.com/cardsftw-81-nerdwallet-launches-a.md) - Plus, A More Thoughtful Money20/20 Summary and Curve Credit
- [Money20/20 2023 Reactions - CardsFTW #80](https://www.cardsftw.com/cardsftw-80-money2020-2023-reactions.md) - Plus, Mastercard's signature scent, new processor offerings, MCB’s big fine, and more
- [Pain in Payments - CardsFTW #79](https://www.cardsftw.com/cardsftw-79-pain-in-payments.md) - Plus, a Money20/20 Preview, and a new airline card.
- [A Rewards Crackdown? - CardsFTW #78](https://www.cardsftw.com/cardsftw-78-a-rewards-crackdown.md) - Plus, New Cards from Universal Theme Parks and Stockpile
- [Taylor, Travis, and Transactions - CardsFTW #77](https://www.cardsftw.com/cardsftw-77-taylor-travis-and-transactions.md) - Plus, Interchange News, FedNow, Open Banking, and More!
- [Costco Limits Payment Options - CardsFTW #76](https://www.cardsftw.com/cardsftw-76-costco-limits-payment.md) - Plus, a new eco-conscious card and more
- [New Small Business Cards - CardsFTW #75](https://www.cardsftw.com/cardsftw-75-new-small-business-cards.md) - Plus, Reward Spending and more!
- [The XBox Mastercard Launches - CardsFTW #74](https://www.cardsftw.com/cardsftw-74-the-xbox-mastercard-launches.md) - Plus, the MLS Forward Card, First Card, and Conference Season
- [Interchange Inflation - CardsFTW #73](https://www.cardsftw.com/cardsftw-73-interchange-inflation.md) - Plus, a Totem Update and Cardless Payments
- [Current Creates a Charge Card with Cross River Bank - CardsFTW #72](https://www.cardsftw.com/cardsftw-72-current-creates-a-charge.md) - Plus, Guava Card & quick news
- [The Back-to-School Edition - CardsFTW #71](https://www.cardsftw.com/cardsftw-71-the-back-to-school-edition.md) - Plus, Neobank Naming with Your Pals, Roger, Dave, and Albert, and New Rewards
- [Carriers Hate Credit Cards - CardsFTW #70](https://www.cardsftw.com/cardsftw-70-carriers-hate-credit.md) - Plus, Who is Brex’s PR Agency, Credit Cards for Children, and More
- [Why Are There So Many Payments Companies Named Mercury? - CardsFTW #69](https://www.cardsftw.com/cardsftw-69-why-are-there-so-many.md) - Plus, Charter News and BAAS Challenges Lead to Switching Costs
- [Shopify Follows Square with a New Business Card - CardsFTW #68](https://www.cardsftw.com/cardsftw-68-shopify-follows-square.md) - Plus, Mastercard Just Says No to Cannabis
- [When Did My Card Turn Into the Entertainment Book? - CardsFTW #67](https://www.cardsftw.com/cardsftw-67-when-did-my-card-turn.md) - Plus, Late Fees, Cards for Influencers, and More
- [Did Anyone Ask for In-Car Payments? - CardsFTW #66](https://www.cardsftw.com/cardsftw-66-did-anyone-ask-for-in.md) - Plus, Bank of America Fines, Totem, and Totavi Updates
- [Goldman Sachs Learns Credit Cards Are Hard - CardsFTW #65](https://www.cardsftw.com/cardsftw-65-goldman-sachs-learns.md) - Plus, CFPB Cracks Down on Healthcare Cards, Square Introduces a Business Card and More
- [Credit Monitoring is Everywhere - CardsFTW #64](https://www.cardsftw.com/cardsftw-64-credit-monitoring-is.md) - Plus, Robinhood Acquires X1, New Not a Fintech Resources, and more
- [Credit Builder Cards - CardsFTW #63](https://www.cardsftw.com/cardsftw-63-credit-builder-cards.md) - Plus, Open Banking and Revolut’s Ultra membership
- [Durbin, Part Deux - CardsFTW #62](https://www.cardsftw.com/cardsftw-62-durbin-part-deux.md) - Plus, Chase Rises to the Challenge and More CFPB Action
- [The Man From The Diners’ Club - CardsFTW #61](https://www.cardsftw.com/cardsftw-61-the-man-from-the-diners.md) - Plus, CFPB Warns on Apps, Stripe Credit, and Some Fintech Goodbyes
- [Business Cards are the Business - CardsFTW #60](https://www.cardsftw.com/cardsftw-60-business-cards-are-the.md) - Plus, Teens and Terse Words
- [Credit Cards Are Thriving - CardsFTW #59](https://www.cardsftw.com/cardsftw-59-credit-cards-are-thriving.md) - Plus, a neobank for retirees and new cards for your local bank
- [Notes from the Fed’s Payments Study - CardsFTW #58](https://www.cardsftw.com/cardsftw-58-notes-from-the-feds-payments.md) - Plus, Mastercard and The Sherman Act; TD Bank’s New Cards
- [Untraditional (Credit) Cards - CardsFTW #57](https://www.cardsftw.com/cardsftw-57-untraditional-credit.md) - Plus, fitness cards and my first guest post at Cardless
- [Imprint’s new HEB Card - CardsFTW #56](https://www.cardsftw.com/cardsftw-56-imprints-new-heb-card.md) - Plus, Apple’s savings account and peer-to-peer payments
- [Cheers to the Starbucks Card - CardsFTW #55](https://www.cardsftw.com/cardsftw-55-cheers-to-the-starbucks.md) - Plus, a personal update and intrigue in the Capital One Walmart deal
- [What’s Next For Crypto and Stock Meme Cards? - CardsFTW #53](https://www.cardsftw.com/cardsftw-53-whats-next-for-crypto.md) - Plus, Bank of America Extends Relationship Banking Bonuses & Another Wine Card!
- [Cranky Payments Guy Reminds Everyone About Fintech Compliance - CardsFTW #52](https://www.cardsftw.com/cardsftw-52-cranky-payments-guy-reminds.md) - Plus, back in my day, we just called it payments!
- [Interchange is essential but not a business model - CardsFTW #51](https://www.cardsftw.com/cardsftw-51-interchange-is-essential.md) - Visiting Points Less, Kansas
- [Fintech is Dead, Long Live Fintech - CardsFTW #50](https://www.cardsftw.com/cardsftw-50-fintech-is-dead-long.md) - Plus, Trying to Catch-Up on the Last Six Months
- [First Mover Disadvantage - CardsFTW #49](https://www.cardsftw.com/cardsftw-49-first-mover-disadvantage.md) - Plus, NFL Extra Points, Concerto, and the Possible Card
- [Networks - CardsFTW #48](https://www.cardsftw.com/cardsftw-48-networks.md) - Ubiquity trumps all
- [More Brands with More Cards - CardsFTW #47](https://www.cardsftw.com/cards-47-more-brands-with-more-cards.md) - ADS rebrands to "Bread," New Gemini Card, and More
- [Raise a Glass to Grand Reserve - CardsFTW #46](https://www.cardsftw.com/cardsftw-46-raise-a-glass-to-grand.md) - Plus, Big Co-Brand Announcements and Art
- [More Challenger Cards - CardsFTW #45](https://www.cardsftw.com/cardsftw-45-more-challenger-cards.md) - Plus, rewards for electricity
- [Debt, Cash, Metal, and Cars - CardsFTW #44](https://www.cardsftw.com/cardsftw-44-debt-cash-metal-and-cars.md) - Cards news is off to the races in 2022
- [The Coming Decade of Credit - CardsFTW #43](https://www.cardsftw.com/cardsftw-43-the-coming-decade-of.md) - Happy New Year!
- [The Amazon and Visa News - CardsFTW #42](https://www.cardsftw.com/cardsftw-42-the-amazon-and-visa-news.md) - Plus, opportunities to work with me and another BNPL card.
- [Capital One Venture X Debuts - CardsFTW #41](https://www.cardsftw.com/cardsftw-41-capital-one-venture-x.md) - Plus, a card with a zero-esque name and more corporate card news.
- [American Express Launches Debit - CardsFTW #40](https://www.cardsftw.com/cardsftw-40-american-express-launches.md) - Plus, Affirm+
- [Conference Season - CardsFTW #39](https://www.cardsftw.com/cardsftw-39-conference-season.md) - Plus, new cards from fintech issuers and upcoming BofA changes.
- [A Year of CardsFTW - CardsFTW #38](https://www.cardsftw.com/cardsftw-38-a-year-of-cardsftw.md) - Plus, Home Equity Credit and a Fifth Network
- [Some Personal News - CardsFTW #37](https://www.cardsftw.com/cardsftw-37-some-personal-news.md) - Plus, Walgreens adds a debit program and more new co-branded cards.
- [Capital One’s New Cards - CardsFTW #36](https://www.cardsftw.com/cardsftw-36-capital-ones-new-cards.md) - Plus, a debit card milestone.
- [Walgreens’ New Wellness Card - CardsFTW #35](https://www.cardsftw.com/cardsftw-35-walgreens-new-wellness.md) - Plus, Chase Sapphire updates, business travel cards, stock ownership cards, and more
- [New Cards Debut, Clouds Form Anyway - CardsFTW #34](https://www.cardsftw.com/cardsftw-34-new-cards-debut-clouds.md) - Plus, the now usual BNPL update
- [Annual Fee Pain - CardsFTW #33](https://www.cardsftw.com/cardsftw-33-annual-fee-pain.md) - Plus, UCLA Cards, Amazon Receipts, and Card Supply Chain Problems
- [Installments Everywhere - CardsFTW #32](https://www.cardsftw.com/cardsftw-32-installments-everywhere.md) - Plus, The Real L Walker, Credit Building, DDA Conversions, and Bitcoin Cards
- [Cards & Rent - CardsFTW #31](https://www.cardsftw.com/cardsftw-31-cards-and-rent.md) - Plus, Williams-Sonoma, Wrestling, and a Verizon Teen Card
- [Big Bank Co-Brands - CardsFTW #30](https://www.cardsftw.com/cardsftw-30-big-bank-co-brands.md) - Plus, dumb watches with smart payments
- [Student Loan Cashback - CardsFTW #29](https://www.cardsftw.com/cardsftw-29-student-loan-cashback.md) - Plus, Another Neobank, Better Plastics, and More
- [Crypto Card Competition Continues - CardsFTW #28](https://www.cardsftw.com/cardsftw-28-crypto-card-competition.md) - Plus, Mission Lane Adds Debit Services, Square to Add Business Banking
- [Marqeta is the Story of Cards - CardsFTW #27](https://www.cardsftw.com/cardsftw-27-marqeta-is-the-story.md) - Plus, new underwriting, new offers, and so much more.
- [$WOOF Launches Card for Pet Parents - CardsFTW #26](https://www.cardsftw.com/cardsftw-26-woof-launches-card-for.md) - Plus, More Crypto Rewards (It's a Weekly Thing Now!)
- [Corporate Card Wars - CardsFTW #25](https://www.cardsftw.com/cardsftw-25-corporate-card-wars.md) - Plus, 100K credit card offers and more bitcoin rewards
- [Family Finances - CardsFTW #24](https://www.cardsftw.com/cardsftw-24-family-finances.md) - Plus, Another New Challenger Card, More CLO Moves, and Instant Issuing
- [Co-brand News Dominates - CardsFTW #23](https://www.cardsftw.com/cardsftw-23-co-brand-news-dominates.md) - Plus, a "Zero" Card Update and a Glow in the Dark Card
- [Another Zero Card - CardsFTW #22](https://www.cardsftw.com/cardsftw-22-another-zero-card.md) - Not to be confused with the Zoro Card. Yes, these are all real products.
- [SoFi Stats & Interchange Fee Delays - CardsFTW #21](https://www.cardsftw.com/cardsftw-21-sofi-stats-and-interchange.md) - Plus, the Roman god of finance
- [A Light at the End of the Tunnel - CardsFTW #20](https://www.cardsftw.com/cardsftw-20-a-light-at-the-end-of.md) - Plus, extreme credit card maximization and small business credit.
- [Merchants Still Hate Interchange - CardsFTW #19](https://www.cardsftw.com/cardsftw-19-merchants-still-hate.md) - Plus, a surprise exit by Dosh, and more on bitcoin rewards
- [Brex Wants to Own a Bank - CardsFTW #18](https://www.cardsftw.com/cardsftw-18-brex-wants-to-own-a-bank.md) - Plus, Joint Cards and New Card Features
- [The Blurry Lines of Credit Cards and BNPL - CardsFTW #17](https://www.cardsftw.com/cardsftw-17-the-blurry-lines-of-credit.md) - Plus, cards for creators and more changes to travel card benefits
- [Why Cards Dominate - CardsFTW #16](https://www.cardsftw.com/cardsftw-16-why-cards-dominate.md) - Plus, a few more cards with waitlists
- [Another Crypto Card - CardsFTW #15](https://www.cardsftw.com/cardsftw-15-another-crypto-card.md) - Plus, lots of news in the debit card world
- [The End of Simple - CardsFTW #14](https://www.cardsftw.com/cardsftw-14-the-end-of-simple.md) - Plus, another retailer co-brand, AMEX gets in trouble, and new offers
- [Card Trends in 2021 - CardsFTW #13](https://www.cardsftw.com/cardsftw-13-card-trends-in-2021.md) - Here's to brighter days
- [Payments for Good - CardsFTW #12](https://www.cardsftw.com/cardsftw-12-payments-for-good.md) - and the Power of the Networks
- [Bitcoin + Cards = Bitcard - CardsFTW #11](https://www.cardsftw.com/cardsftw-11-bitcoin-cards-bitcard.md) - Plus, more on wood cards, social cards, and questions about the value of travel rewards
- [Thankful for Endless Cards News - CardsFTW #10](https://www.cardsftw.com/cards-ftw-10-thankful-for-endless.md) - Good Cards, Bad Cards, Corn Cards, Cavs Cards
- [Cash Over the Internet - CardsFTW #9](https://www.cardsftw.com/cardsftw-9-cash-over-the-internet.md) - Plus, polymorphic cards, whatever that means
- [Sending Money, with Credit - CardsFTW #8](https://www.cardsftw.com/cardsftw-8-sending-money-with-credit.md) - More digital checkout buttons, restaurant points, and going to the bank
- [Repayment Rewards - CardsFTW #7](https://www.cardsftw.com/cardsftw-7-repayment-rewards.md) - 2% is better than 1.5%. We checked the math.
- [Banking on Identity - CardsFTW #6](https://www.cardsftw.com/cardsftw-6-banking-on-identity.md) - Plus, a timely CLO update & fun with payment devices.
- [Card-Linked Offers - CardsFTW #5](https://www.cardsftw.com/cardsftw-5-card-linked-offers.md) - Neobanks for everybody, CardCon Discount, and more
- [New Cards for People With Bad Credit - CardsFTW #4](https://www.cardsftw.com/cardsftw-4-new-cards-for-people-with.md) - Plus, Stepping into Influencer Marketing and Maybe Miles Aren't So Great
- [Neobanks are Getting Into Credit - CardsFTW #3](https://www.cardsftw.com/cardsftw-3-neobanks-are-getting-into.md) - Risks and Rewards of Credit Lines
- [Credit vs. Debit - CardsFTW #2](https://www.cardsftw.com/credit-vs-debit.md) - Either way, electronic payments win
- [Mastercard & Postmates Break Up - CardsFTW #1](https://www.cardsftw.com/mastercard-and-postmates-break-up.md) - and other COIVD-19 effects on the credit card world
- [Credit Cards, Debit Cards, Everything Cards - CardsFTW #0](https://www.cardsftw.com/cardsftw-0-everything-cards.md) - Welcome to Cards FTW. Every day, we pay for things. Today, more than ever, we pay for those things with cards. Whether it’s a card number, Apple Pay, or a good old fashioned swipe, electronic payments are how commerce is done. Cards FTW covers both news of new credit and debit cards products (inclu…

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