See the complete value of every cardholder relationship

Connect wallet opportunity with borrowing behavior to make smarter portfolio decisions

Growth decisions are only as good as the data behind them. Experian Card Spend Attributes and Experian Card Rate Attributes provide consumer-level spending and rate insights in a bureau-native view of cardholder economics. By estimating concepts like total spend, card rates, borrowing behavior and promotional APR likelihood, issuers can identify their highest-value relationships, prioritize growth opportunities, refine pricing and retention strategies, and make more informed portfolio decisions that lead to increased wallet share.

The behavior already shaping your portfolio

~50%

of U.S. cardholders carry a balance in a given year

Source: Federal Reserve SHED, 2025

78%

of U.S. cardholders carry multiple cards

PYMNTS Intelligence, 2025

15–21

months at 0% APR is now table stakes for a balance transfer offer

Public card marketing, Chase, Citi, Discover, Bank of America, June 2026

What Experian Card Spend Attributes and Experian Card Rate Attributes help you solve

Three ways to act on the full cardholder relationship, not portfolio averages.

Grow

Experian Card Spend Attributes allows you to flag cardholders with high off-us spend and room-to-win wallet share, so you can target them with acquisition and credit line increase offers.

Target

Experian Card Rate Attributes allows you to segment cardholders by card rate and revolver likelihood, so you can target competitive offers and price your most valuable relationships.

Optimize

Experian Card Spend Attributes and Experian Card Rate Attributes together offer a complete view to find cardholders who are both high spend and high yield, so you know whom to target and engage first.

Experian Card Spend Attributes

Experian Card Spend Attributes

Experian Card Spend Attributes offers 100+ attributes focused on estimating consumer spend behavior across the entire portfolio of card products.

This solution is designed to give you a deeper view into how consumers use their cards, with flexibility to analyze behavior on- and off-us across different card types and time horizons.

Download product sheet
Experian Card Rate Attributes

Experian Card Rate Attributes

Experian Card Rate Attributes offers 50+ attributes focused on estimating consumer rate behavior across the entire portfolio of the consumer’s eligible card products.

Delivering deep insight into the cost of credit and how consumers interact with pricing, it estimates key concepts like average, minimum and maximum APR rates. It also captures characteristics of accounts driving those rates, such as associated estimated credit limits, revolving and utilization behavior, and indicators around promotional rate periods.

Download product sheet

See the full economics of every cardholder relationship

Move from internal portfolio averages to cardholder-level decisions, backed by Experian’s credit and trade data

Contact us

Why choose Experian Card Spend Attributes and Experian Card Rate Attributes

customer-paying-at-cafe

See the full wallet

Experian Card Spend Attributes estimates total spend and off-us wallet share to target acquisition, credit line and engagement spend.

shopping-online

Price by behavior, not balance

Experian Card Rate Attributes estimates card rate and revolver likelihood across the consumer’s wallet.

team-reviewing-documents-in-office

Full-picture of the consumer

Buy both sets of attributes together and collapse two vendor relationships into one bureau-native view: fewer contracts, no reconciliation between mismatched datasets.

Resources

Holiday shopping season
White Paper

Holiday shopping season

Prepare your portfolio for holiday spending: insights on consumer behavior, credit trends, risk signals.
Proactive credit limit management
eBook

Proactive credit limit management

Explore how proactive credit limit increases can enhance customer experiences and generate revenue.
2026 credit card trends
Webinar

2026 credit card trends

Hear Experian experts discuss the latest credit card trends shaping the future.

Frequently asked questions

Total spend, off-us wallet share, maximum spend and utilization are some of the attribute concepts that are estimated at the cardholder level.

Card rate, utilization, minimum and maximum APR across the wallet, and the likelihood a cardholder is a revolver are some of the attribute concepts that are estimated at the cardholder level.

No. Both solutions are non-adverse actionable; neither can be used in risk model development, decisioning criteria or any use that would trigger an adverse action notification under the FCRA.

Start seeing the full cardholder relationship

Connect with your Experian representative to explore Experian Card Spend Attributes and Experian Card Rate Attributes for your portfolio.

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