Credit card rewards and rebates — Other cost of revenue
Products & Services · Other cost of revenueWells Fargo & Company Credit card rewards and rebates — Other cost of revenue remained flat by 0.0% to $750.00M in Q4 2025 compared to the prior quarter. Year-over-year, this metric grew by 11.1%, from $675.00M to $750.00M. Over 2 years (FY 2023 to FY 2025), Credit card rewards and rebates — Other cost of revenue shows an upward trend with a 7.4% CAGR. This is a positive signal — lower values indicate better performance for this metric.
Analysis
How to read this metric
An increase suggests higher customer engagement or more aggressive marketing to capture market share, while a decrease may indicate reduced promotional activity or a shift in card product strategy. Sustained growth in this metric relative to card revenue may signal margin compression in the credit card portfolio.
Detailed definition
This metric represents the total expenses incurred by the bank related to loyalty programs, cash-back incentives, and ot...
Peer comparison
Peer banks report this under various line items such as 'marketing and promotion' or 'other non-interest expense,' often categorized as card-related rewards expense or loyalty program costs.
wfc_segment_credit_card_rewards_and_rebates_other_cost_of_revenueHistorical Data
| FY'23 | FY'24 | FY'25 | |
|---|---|---|---|
| Value | $2.60B | $2.70B | $3.00B |
| YoY Change | — | +3.8% | +11.1% |
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Frequently Asked Questions
- What is Wells Fargo & Company's credit card rewards and rebates — other cost of revenue?
- Wells Fargo & Company (WFC) reported credit card rewards and rebates — other cost of revenue of $750.00M in Q4 2025.
- How has Wells Fargo & Company's credit card rewards and rebates — other cost of revenue changed year-over-year?
- Wells Fargo & Company's credit card rewards and rebates — other cost of revenue increased by 11.1% year-over-year, from $675.00M to $750.00M.
- What is the long-term trend for Wells Fargo & Company's credit card rewards and rebates — other cost of revenue?
- Over 2 years (2023 to 2025), Wells Fargo & Company's credit card rewards and rebates — other cost of revenue has grown at a 7.4% compound annual growth rate (CAGR), from $2.60B to $3.00B.
- What does credit card rewards and rebates — other cost of revenue mean?
- The total cost of providing rewards, points, and cash-back incentives to credit card customers.