The Q2 2026 Brand Loyalty Tracker, analyzed from consumer card data, names Amazon, McDonald's, and Costco as repeat-purchase leaders — not because of points programs, but because each brand has built structural reasons to buy repeatedly (convenience, membership value, habit), per MSN.
ReadingThe steal: stop designing points programs and start building structural reasons to buy again. Amazon Prime is not a rewards program — it is a membership that bundles shipping, streaming, and credit. Costco membership is not a discount card — it is a club. McDonald's is not a loyalty app — it is a habit. For a physical-product brand, this means asking: what would make a buyer return without a discount? Is it exclusive access? Membership status? Subscription convenience? Build the structure first, then layer the points.
WatchWatch for the next edition of the tracker to measure which new brands are closing the repeat-purchase gap without traditional loyalty programs.