Usage of the flexible payment method hit an all-time high on Cyber Monday, driving $1.03 billion in online spend (up 4.2% YoY), as consumers looked for greater flexibility in managing their holiday budgets. The vast majority of BNPL transactions are happening on a mobile device as well, at 79.4% share on Cyber Monday (vs. desktop). In an Adobe survey of over 1,000 U.S. consumers (conducted Nov. 2025), respondents said they were most likely to use BNPL for electronics, apparel, toys, and furniture purchases.
Source: Adobe Analytics.
The rewards are there to keep you make them money.
Some one has to pay for the rewards and the multi billion dollar companies usually don’t give money away for free without some plan. In the end, the consumer pays for the rewards because they add it on the product price.
Yeah, the card issuers are already making bank from the interchange/issuer/processing fees, as well as interest if the customer eventually isn’t able to pay their full balance in time.
But if you’re a perfect person and always pay your full balance every month, there’s literally no negatives with a credit card as a normal consumer. It’s usually even a better alternative, as if something goes wrong, a credit chargeback is much quicker and easier than a debit chargeback.
I’m that perfect person.