Chris Hutchins

speaker

980 appearances 2 recordings 2 series first heard Sep 2025 last heard 16 Sep

Chris Hutchins’s voice in public audio — every appearance, attributed to the second.

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recordings per month · last 12 months

Recordings per month over the last 12 months — 1 in all, peaking in Sep 2026 with 1.

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Yes, there have been a handful of new entrants recently, but a lot of them kind of sit on top of the rails of these legacy providers.

And you could really separate it into two.

There's the issuers.

So this is your Chase, your Bank of America.

And then there's the payment processors, which would be Visa, MasterCard, Amex, Discover, Amazon.

And they're separate in the most case, except Amex actually happens to be both the issuer and the processor.

And same is true with Discover.

And so there's really only these four big, at least in the U.S., processors that everyone has to work with.

But lots of banks can issue credit cards.

And so if you look

I just recently got a credit card that has one brand, but if you look at it, it was issued by First Celtic Bank.

So there are tons and tons of issuers.

Almost any bank could issue a credit card.

Many credit unions issue credit cards, but they all run on the rails of Visa, MasterCard, Discover, and Amex, at least in the U.S.,

Yeah, you actually could.

So a lot of affinity organizations or membership groups could offer credit cards, colleges and offer them to alumni and students.

And at the end of the day, it comes back to the business model of credit cards.

And so in the early days, there were no rewards.

Even Amex launched in 1958 and they had no rewards, even though they had millions of customers by the 60s, 70s.

And it wasn't until 1981 when frequent flyer programs kicked off.

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