Power, “Attractive Rewards and Benefits Drive Credit Card Selection, Satisfaction and Spend,” press  release, August 20, www.jdpower.com/sites/default/files/2015137_U.S._Credit_Card_Study_PR_Final.pdf. 2015,  6 See, e.g., Jeanine Skowronski, “Why 5 Percent Cash Back Is an Overrated Selling Point," American Banker,  November 6, 2013, www.americanbanker.com/opinion/why-5-cash-back-is-an-overrated-selling-point. Consumer Financial Protection Bureau, The Consumer Credit Card Market(PDF), section 7, December 2015.
7 See, e.g., Consumer Financial Protection Bureau, The Consumer Credit Card Market (PDF), section 6,  December 2015. 8 Id at section 5.1.2.