Cashback and rewards schemes are the main drivers for credit card holders, according to Moneywise research.
A poll of 22,000 Moneywise readers found more than a third (34%) of people pick their credit card based on which offers the best cashback or rewards points.
A quarter of people choose convenience over anything else, with these consumers simply applying for a card with their main bank.
Interest-free balance transfer deals are the main attraction for 15% of customers while a 0% purchase offer drives 6% of all credit card decisions.
These results come from a poll of Moneywise readers who took part in the voting for the Customer Service Awards 2017, which attracted almost 50,000 entries in total.
There was a wide variation in answers when consumers were asked how much they spend on their credit card each month. Almost a third (32%) of respondents say they spend between £100 and £500 each month – the most popular response.
A quarter of consumers spend less than £100 each month while just 15% say they spend £1,000 or more using their plastic each month.
See if you can switch and save by using the Moneywise credit card price comparison tool.