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The 2% Fee Behind the American Travel Boom

1reports1reporting sources2026-08-19Update

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For business travel, loyalty programs funded by interchange fees affect corporate travel costs. Regulatory changes could alter rewards structures, impacting travel management.

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8月19日
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    The 2% Fee Behind the American Travel Boom

    The U.S. travel economy relies on credit card interchange fees, which are uncapped in the U.S., supporting airline and hotel loyalty programs. Delta earned $8.2 billion from Amex in 2025, and American received $6.2 billion. However, regulatory risks exist, such as the Credit Card Competition Act and Visa/Mastercard settlement. Research shows rewards are subsidized by lower-income consumers.