In 2025, loyalty proved its role as more than a cardholder perk. It delivered measurable, sustained growth for the financial institutions we serve.
As everyday card usage accelerated and redemption activity climbed, our partner banks and credit unions captured gains where it matters most: higher interchange, stronger payment volume, and increased transaction frequency. The message is simple: loyalty built for in-the-moment engagement, beyond occasional milestones, delivers sustained portfolio value.
“Our growth is built on partnership”, says Ron Silvia, Chief Revenue Officer at ampliFI Loyalty Solutions. “This year, we welcomed 63 new financial institutions and helped our clients generate $854 million in interchange revenue—proof that when banks and credit unions invest in loyalty, the results follow. We’re proud to grow alongside our partners and excited to keep delivering measurable value through stronger engagement and performance.”
Here’s how loyalty delivered tangible results in 2025.
2025 Performance Highlights
- $854 million in interchange revenue, up 8.9% YoY, fueled by increased card usage and higher redemption activity
- $63.4 billion in spend and payment volume, a 9.3% YoY increase, reflecting sustained everyday usage
- Active account swipes up 8.1% YoY, with active account spend rising 8.3%, signaling both higher frequency and value
- Real-Time Rewards orders increased 19% YoY as point-of-sale redemption gained traction with cardholders
- Point redemption activity grew 11%, while promotional points volume surged 37.5%, highlighting the impact of targeted incentives
- Engaged redeemers drove outsized performance, generating a 107% lift in purchase volume and an 84% lift in transaction volume YoY
Disclaimer: Metrics reflect outcomes observed across programs utilizing the ampliFI platform in FY2025. Revenue lift estimates are based on industry-average interchange benchmarks and are illustrative. Results are subject to change and not predictive of future performance.
Engagement That Shows Up at Checkout
The most telling trend from 2025 wasn’t just growth—it was how that growth happened.
Active accounts became more productive as both swipe activity and spend per account climbed more than 8% year over year. That increase in day-to-day usage strengthened top-of-wallet positioning and reinforced habitual card behavior across billions of transactions.
At the portfolio level, this momentum pushed total spend past $63 billion while points on file rose 8.9%. Keeping rewards readily available ensured cardholders always had a reason to return and redeem, turning engagement into a continuous loop rather than a one-time event.
Why Redemption Creates Greater Value
Redemption continued to be the single most powerful accelerant of performance in 2025.
Cardholders who redeemed rewards consistently didn’t just transact more—they delivered more than double the purchase volume growth of non-redeemers. Higher transaction counts and increased spend reinforced a critical insight: redemption is not the finish line of loyalty. It’s the trigger for what comes next.
Real-Time Rewards played a central role in this shift. With orders up 19% YoY, cardholders increasingly chose to redeem at checkout, at the pump, and during routine purchases. That immediacy connects rewards directly to everyday decisions, making loyalty feel useful, not aspirational. By enabling point redemption at the point of sale, Real-Time Rewards meet cardholders in the moment of purchase, seamlessly integrating rewards into transactions they are already making. Instead of waiting to accumulate enough points for a future reward, cardholders can apply value instantly as statement credits, merchant discounts, or fuel savings, reinforcing the tangible benefit of the program and strengthening their connection to the financial institution’s brand with every swipe.
Meanwhile, a 37.5% jump in promotional points volume demonstrated how targeted offers can reignite engagement, encourage incremental spend, and bring inactive cardholders back into the ecosystem.
Designed for Flexibility, Built for Results
These outcomes weren’t accidental. They reflect deliberate program design focused on choice, relevance, and control.
ampliFI enables banks and credit unions to deliver loyalty experiences that align with how their cardholders actually spend, not a generic, one-size-fits-all model. From real-time redemption options to diverse reward catalogs, cardholders decide how and when they use their points, reinforcing trust and keeping rewards top of mind.
That flexibility doesn’t just improve satisfaction—it drives consistent engagement, stronger usage, and measurable financial returns.
Growth Fueled by Strong Partnerships
ampliFI’s impact expanded alongside its clients in 2025:
- 63 new financial institutions partnered with ampliFI
- 873 client projects successfully deployed
- 95% client renewal rate, reflecting sustained confidence in loyalty performance
- Partners supported across 49 states, plus the Bahamas and Canary Islands
Each new partnership signals a shared commitment to using loyalty as a growth lever, not just a retention tactic.
What Comes Next
The 2025 results reinforce a simple truth: loyalty programs that emphasize redemption, personalization, and real-time value deliver returns that compound over time.
Looking ahead, ampliFI remains focused on helping banks and credit unions:
- Drive higher cardholder engagement and usage
- Maximize interchange and payment volume
- Build loyalty programs that perform financially and experientially
When loyalty works in the moments that matter most, everyone wins. In 2025, the data proves it.
Ready to ampliFI what loyalty can do?
Let’s build what’s next, together.