Millennials are recognizing this difference and are choosing Airbnb because of the product experience difference, sometimes pricing and more. Tip: No annual fee credit cards offer a great way to work toward earning free nights and hotel perks without needing to commit to a high annual fee. = Points value for that specific reservation, Cash price* Number of miles needed for fare If these programs are easy to use and convenient (which can vary by age and experience with technology), then they can prevent consumers from "wandering" off-brand.
In this case, a promotion rule heuristic may be applied where customers are attracted to a product or service that is incentivizing them. For example, an advertisement for a new product or service will frame the positive attributes and avoid the potential disadvantages, resulting in a more positive impression and a lower perception of risk for a new item. Also, the term elite may make the customer feel special as well as important to the company. If youd rather earn your sign-up bonus in cash back, stick with a cash back card instead.
Tip: "No foreign transaction fees" is an essential feature of hotel credit cards with international portfolios, as it can save you untold amounts of money during your travels. Enrollment required. Earn a one-time $300 cash bonus after you spend $3000 on purchases within the first 3 months from account opening. This means that if you have more than five credit card inquiries in the past 24 months, you wont be eligible to be approved for a card. For rates and fees of American Express Gold Card, please click here. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs up to two times per year, getting you closer to Medallion Status.
I personally see some e-brand loyalty programs returning to print direct mail and print advertising, which suggests that marketers need more than one channel to reach and be effective with consumers.\u003C\/p\u003E\n\n\u003Ch4\u003EWhat role can social media engagement and advertising play in helping hotels expand their loyal customer base?\u003C\/h4\u003E\n\n\u003Cp\u003EBrand marketers need to understand, via marketing research and data analytics on digital platforms, the channels that consumers use to learn about and purchase products.
Finally, remember that pursuing credit card rewards is only worth it if you never pay interest on your purchases. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). They can attract new consumers to your products and services, and help make competing products and services less attractive to your current customers. One can predict these at a general level by product category (e.g., most people identify more with clothes than their paper products), but there can be substantial variation between segments and individual consumers. Unlock over $1,000 in value per year for statement credits on select purchases with your Card, including up to $400 with Dell Technologies, up to $360 with Indeed, up to $150 with Adobe and up to $120 on wireless telephone purchases. Why or why not? Retailers could offer consumers a discount for late delivery of a product, for example, but a discount is unlikely to appease a customer who felt insulted or discriminated against by a salesperson. For rates and fees of American Express Gold Card, please click here. The American Express Global Lounge Collection can provide an escape at the airport. The consumer must believe that the rewards level (e.g., "gold elite status") provides great benefits and value after the purchase of an item or service. The best branding is the existence of lifetime commitment by a consumer to a brand (or company). As always, we recommend using your credit card responsibly and never biting off more than you can chew. Most of the major credit card issuers set limits on how often consumers can earn a welcome offer on their cards.
The answer is maybe. Loyalty programs and rewards are one tool that brand marketers use to retain and incentivize purchasing. Loyalty programs seem to be ineffective in domains where it is cheap for consumers to belong to and benefit from many loyalty programs (e.g., grocers), but they seem to be effective where loyalty programs make more demanding requirements of consumers (e.g., airlines).\u003C\/p\u003E\n\n\u003Ch4\u003EDo you feel that the brand naming of rewards (e.g., \"gold elite status\") creates an emotional impact on shoppers?
Afterall, the rewards aren't worth it if you end up in debt. The commentary provided by these industry experts represent their viewpoints and opinions alone. Tip: Be sure to maximize the Membership Rewards points earned with this card by redeeming them for travel through the Amex Travel portal or by transferring them to Amex airline and hotel partners. Honorable mention best for American Express.
Apply and select your preferred metal Card design: classic Platinum Card, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu. If your primary consideration when signing up for a credit card is the sign-up bonus, youll want to make sure youre eligible for it. One can predict these at a general level by product category (e.g., most people identify more with clothes than their paper products), but there can be substantial variation between segments and individual consumers.
With a proxy Instagram account for a fictitious hotel brand, the student found that leisure travelers engage more with an informational message than with an emotional message when they have limited information about a hotel. Often social media or advertising is an initial channel of being exposed as a form of awareness of a brand and also linking a consumer with like social groups. A sign-up bonus should primarily be used to add value to a card, rather than acting as its entire value.
Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months. New Offer! Tip: Add your employees to your card to earn cash back on their purchases. Furthermore, if your card lies dormant for a long period, the issuer may choose to cancel your account. Visiting Assistant Professor of Finance, Washington and Lee University. Why or why not?\u003C\/h4\u003E\n\n\u003Cp\u003ERewards can help close the deal for price-sensitive consumers. Tip: Cashback credit cards can be extremely lucrative when you maximize the bonus spending categories. For rates and fees of Delta SkyMiles Reserve American Express Card, please click here. While some kinds of rewards can be redeemed for statement credits only, others let you cash in your points for gift cards, merchandise, travel and more. Choosing the right sign-up bonus credit card for you will depend on whether you want to earn your rewards in cash back or points and miles. Earn 3X Miles on Delta purchases and purchases made directly with hotels. Make sure you read the offer you're considering to the end, including all of the fine print. Make sure to compare credit card offers based on the type of rewards you want to earn, whether you prefer to rack up cash back, travel rewards points, hotel points or airline miles. Why or why not?\u003C\/li\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EDo you feel that the brand naming of rewards (e.g., \"gold elite status\") creates an emotional impact on shoppers? 
When customers hear the terms "bonus" and "rewards," they may instinctively be attracted to a program due to a choice heuristic. 80,000 Hilton Honors Bonus Points after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership. I just finished a doctoral student who conducted her dissertation on digital content that is effective with increasing purchase intent. Requirements vary by the card. If anything, if the reward or loyalty programs face customer service issues themselves, it might backfire. To make choosing the right card easier, we've looked at credit cards reviewed on ValuePenguin as well as cards on major issuer sites to compile a list of top sign-up bonuses. Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents available 24 hours a day, 7 days a week! Note, unlike typical credit cards, The Platinum Card from American Express allows you to carry a balance for some charges, but not all. In order to earn a sign-up bonus, you'll need to meet the requirements to earn the bonus, which usually include spending a certain amount of money on a card within a certain time period. $189 CLEAR Credit: Use your Card and get up to $189 back per year on your CLEAR membership. $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually.
Earn 140,000 Bonus Points + 1 Free Night after spending $3,000 on purchases in the first 3 months from account opening, Enjoy a Reward Night after each account anniversary year at eligible IHG hotels worldwide. A sign-up bonus (often also referred to as a "welcome offer" or "introductory offer") is an offer extended to credit card applicants usually in the form of points, miles or cash back to encourage them to apply for a card and use the card once their account is opened. For rates and fees of Delta SkyMiles Gold American Express Card, please click here. Occasionally we find welcome offers that don't include a set number of points. With more than 1,400 airport lounges across 140 countries and counting, you have more lounge location options than any other credit card on the market as of 9/2021. Consumers feel appreciated and special.
Rewards and loyalty programs are far too commonplace to overcome customer service issues. Tip: If you're unsure about paying this card's annual fee, take a close look at the travel credits on The Platinum Card from American Express. Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months from account opening. Figure out how much you spend on plastic each month. The best branding is the existence of lifetime commitment by a consumer to a brand (or company). Airbnb is offering something different \u2014 something authentic. Money coded as the reduction of a loss, by contrast, doesn't feel like extra money and is typically used for utilitarian purchases, like paying off debt or bills.\u003C\/p\u003E\n\n\u003Ch4\u003EDo rewards and loyalty programs overcome customer service issues? Look for new expenses you can pay with a credit card. For more information please see our Advertiser Disclosure. With email capture, marketers have a direct link to loyal and potentially new customers. If youre fee-averse, however, you may consider the Capital One SavorOne Cash Rewards Credit Card instead. It is unlikely to attract new consumers or influence very loyal consumers, but rather, it helps push those medium-usage consumers to make that one additional purchase. These types of words excite customers and make them feel more motivated to make additional purchases. Have a plan to pay your balance in full each month. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Read on for more credit card insights.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root\"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Col class=\"ListOrdered--root\"\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EHow do words like \"bonus\" or \"rewards\" impact consumers\u2019 buying decisions?\u003C\/li\u003E\n \u003Cli class=\"ListOrdered--list-item\"\u003EDo rewards and loyalty programs overcome customer service issues? Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125). $300 Equinox Credit: Get up to $25 back each month on the Equinox+ digital fitness app, or eligible Equinox club memberships when you pay with your Platinum Card. Let's say you find an international flight on United Airlines with a cash price of $1,234 or an award price of 60,000 miles plus $78.55 in airline taxes and fees.
They're also useful for countering service failures that weren't personal in nature. How do words like "bonus" or "rewards" impact consumers buying decisions? Earn 90,000 bonus miles after you spend $3,000 in purchases on your new Card in your first 3 months.
Furthermore, cards usually offer valuable ongoing benefits to their cardholders in addition to the sign-up bonus.
Additionally, when redeeming "bonuses" or "rewards," consumers feel that they can "treat themselves" more. However, you may owe taxes on a sign-up bonus in certain cases (if you earned a bonus without making a purchase or reaching a spending requirement), in which case you'll receive a Form 1099-INT or Form 1099-MISC in the mail. With email capture, marketers have a direct link to loyal and potentially new customers.
Credit card sign-up bonuses can be quite lucrative, and some can even be worth $500 or more. Earn 2X points on internet, cable, phone services, and select streaming.
Note, unlike typical credit cards, American Express Gold Card allows you to carry a balance for some charges, but not all. Professor of Marketing and Everett W. Lord Distinguished Faculty Scholar, Questrom School of Business, Boston University. For rates and fees of Blue Cash Preferred Card from American Express, please click here. You can earn a sign-up bonus on Citi credit cards every 24 to 48 months, depending on the family of cards you select from. To choose the best credit card offers available right now, we look at both the number of points or miles offered and the average value of those points or miles (based on our own internal estimates).
Framing is based on communicating words or phrases as a \"positive frame\" that results in positive outcomes. If approved for Global Entry, at no additional charge, you will receive access to TSA PreCheck. Earn 100,000 Membership Rewards points after you spend $6,000 on purchases on your new Card in your first 6 months of Card Membership. \u003C\/a\u003E\u003C\/span\u003E. Smartphones can cluster loyalty programs in wallet settings.
Earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. 2X Bonvoy points for every $1 spent on other travel purchases (from airfare to taxis and trains). Earn 3X Membership Rewards Points on flights booked directly with airlines or on amextravel.com.
Earns transferable Membership Rewards points, Earn a $500 bonus when you spend $4,500 in the first 3 months of account opening, Earn unlimited 1.5% cash back for your business on every purchase, everywhere with no limits or category restrictions, Rewards won't expire for the life of the account, Redeem your cash back rewards for any amount, Free employee cards, which also earn unlimited 1.5% cash back on all purchases, $0 fraud liability if your card is lost or stolen. We select offers that will offer the most dollar value for the average cardholder. Brand managers need to consider the number of communications they are sending to consumers. Also, the customer must have a positive experience and impression of the actual service or product.\u003C\/p\u003E\n\n\u003Cp\u003ELastly, it is essential there are no customer service issues with the rewards program or the specific product or service. Tip: This card is best for small business owners with large start-up costs who can put enough on their card in the first few months to earn the welcome offer. These kinds of status levels are likely to work well for high-identity products where consumers feel like they are in a relationship with the brand or use it to express to themselves and others important facets of their identity, but they are unlikely to work in cases where the consumer views the good as a commodity. This site may be compensated through a credit card issuer partnership.
Fortunately, issuer restrictions on credit card welcome offers tend to be reasonable. And if you fly, you can receive up to $200 in statement credits per calendar year after you select a qualifying airline and incidental fees are charged by the airline to your Platinum Card.
This is particularly true if you plan to earn airline miles or hotel points that may be difficult to use. The purpose of these limits is to cut down on customers who might "churn" bonus offers that is, sign up for new cards over and over again without any intention to use a card for the long haul. If anything, if the reward or loyalty programs face customer service issues themselves, it might backfire. Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club for you and up to two guests when traveling on a Delta flight. It's important to thoroughly read the terms and conditions of an offer before you apply for a card to make sure you understand all the requirements cardholders sometimes open cards and receive a rude awakening a few months later when they learn they aren't qualified for the sign-up bonus. Also, the term elite may make the customer feel special as well as important to the company. In terms of emotion, research shows that when consumers evaluate brands, they tend to be more receptive to ads that appeal to their emotions (e.g., personal feelings) rather than ads that appeal to their cognition (e.g., brand features and facts).\n\u003Cdiv class=\"ShortcodeAlign--root ShortcodeAlign--horizontal-center\"\u003E\n \u003Cdiv class=\"ShortcodeAlign--container\"\u003E \n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root Button--root Button--primary Button--auto-width\" title=\"Back to all experts\" href=\"#expertadvice\"\u003EBack to all experts\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}, Capital One Savor Cash Rewards Credit Card, Capital One Spark Cash Select - $500 Cash Bonus, Delta SkyMiles Platinum American Express Card, Southwest Rapid Rewards Premier Credit Card, Blue Cash Preferred Card from American Express, The Business Platinum Card from American Express. But inappropriate e-communications can lead to consumer fatigue and backfire with \"unsubscribing\" behaviors. 1X point for every $1 spent on all other purchases. $155 Walmart+ Credit: Cover the cost of a $12.95 monthly Walmart+ membership with a statement credit after you pay for Walmart+ each month with your Platinum Card. Membership Rewards points arent as valuable when not redeemed for travel, Earn unlimited 2% cash back on every purchase, everywherewith no limits or category restrictions, Comes with no preset spending limit, so it can adapt to your needs based on your spending behavior, payment history and credit profile, Earn an annual $200 cash bonus every year you spend $200,000 or more, Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, Add employee cards for free, and earn unlimited 2% cash back from their purchases, Spark Cash Plus has no APR because your balance is due in full every month, Straightforward card with a high earning rate, Earn an annual $200 bonus each year you spend $200,000 or more, No way to maximize your rewards with this simple cash back card, High spending threshold to earn the full bonus. Why or why not?\u003C\/h4\u003E\n\n\u003Cp\u003EThese kinds of status levels are likely to work well for high-identity products where consumers feel like they are in a relationship with the brand or use it to express to themselves and others important facets of their identity, but they are unlikely to work in cases where the consumer views the good as a commodity. Wells Fargo limits sign-up bonuses to cardholders who have opened the same card and earned the bonus already within the last 15 months.
Loyalty programs are useful for locking in customers in contexts where they make repeated purchases from a firm, particularly for firms susceptible to commodification, like airlines. Choose the color that suits your style. Credit card issuers hope to establish long-standing relationships with their consumers and could blacklist you from receiving further deals if you get caught. Airbnb is offering something different something authentic. Money coded as a gain feels like a windfall and is more likely to be used to make hedonic purchases, like a watch or a massage. Before choosing a sign-up bonus credit card, youll want to decide whether you need a personal or business credit card. For social media and advertising to be effective as a sales channel, the inclusion of websites, booking platforms or e-commerce functions is critical. My own dissertation completed in 1993 found that functional information is more useful to travel decision-making than aesthetic (pictures) information. Citi is an advertising partner. Before you set out to earn a bonus based on your spending, make sure you know how much you normally charge to a credit card each month. Brand marketers need to understand, via marketing research and data analytics on digital platforms, the channels that consumers use to learn about and purchase products. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. For example, it may be an excuse to get a sugary frappuccino rather than someone's traditional black coffee order. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. With consumer credit cards, you can only earn the bonus once every 24 to 48 months. Gold or Rose Gold. Earn unlimited 4% cash back on dining, entertainment and popular streaming services, 3% cash back at grocery stores and 1% on all other purchases. Earn up to 20,000 Medallion Qualification Miles (MQMs) with Status Boost per year. Pay $0 plan fees on plans created during the first 12 months after account opening. For rates and fees of Delta SkyMiles Platinum American Express Card, please click here. Most credit cards wont grant you a sign-up bonus if you currently or have previously held the credit card in question, so youll want to make sure youre eligible for the sign-up bonus before you apply. Why or why not?\u003C\/h4\u003E\n\n\u003Cp\u003EBranding is intended to create and sustain loyalty. Some rewards programs even let you turn your points into airline miles or points with a hotel loyalty program. Visit americanexpress.com to learn more. Baggage charges and other restrictions apply. You'll need good to excellent credit to qualify for most offers on this page. That's $900 toward travel when you redeem through Chase Ultimate Rewards. A marketer needs to think about the next channels (after social media) to motivate a consumer to acquire more information that then leads to increased desire and interest, and eventually action or purchase.
Annual companion certificate upon renewal, You only get a small discount on Delta SkyClub. These responses are not provided or commissioned by the bank advertiser. For rates and fees of Marriott Bonvoy Brilliant American Express Card, please click here. Earn 1X Miles on all other eligible purchases. If youre worried about spending enough to earn a credit card bonus, we recommend putting a few expensive items on your card.
Those consumers who are involved in the reward and loyalty programs might be slightly more patient when facing service issues, as they have a greater sense of loyalty, but it is not enough to overcome them. Money coded as the reduction of a loss, by contrast, doesn't feel like extra money and is typically used for utilitarian purchases, like paying off debt or bills. If a card requires you to spend $3,000 within three months to earn a sign-up bonus, you should make sure you can charge at least $1,000 per month to your card in groceries, gas and regular bills. Tip: Hotel credit cards are great ways to earn elite status and free nights with your favorite hotel chains. Retailers could offer consumers a discount for late delivery of a product, for example, but a discount is unlikely to appease a customer who felt insulted or discriminated against by a salesperson. Earn 1.5X points on eligible purchases at US construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more everywhere else, on up to $2 million of these purchases per calendar year. 2X Bonvoy points for every $1 spent on all other purchases. Many issuers have restrictions on the number of cards you can apply for and the number of times you can apply for a particular card.
Why or why not?\u003C\/li\u003E\n \u003C\/ol\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\n\u003Cdiv class=\"third pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"headshot of expert\" class=\"ShortcodeImage--image lazyload\" style=\"width: 80px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/expert-advice-headshots_sfuxjr\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_80\/v1\/expert-advice-headshots_sfuxjr\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/expert-advice-headshots_sfuxjr 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_80\/v1\/expert-advice-headshots_sfuxjr 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECarey K. Morewedge\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Professor of Marketing\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Read Answer\" href=\"#expert-carey-morewedge\"\u003ERead Answer\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\n\u003Cdiv class=\"third pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"headshot of expert\" class=\"ShortcodeImage--image lazyload\" style=\"width: 80px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/christine-vogt_hdifce\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_80\/v1\/christine-vogt_hdifce\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/christine-vogt_hdifce 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_80\/v1\/christine-vogt_hdifce 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EChristine A. Vogt, Ph.D.\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Emeritus Professor, Former Director\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Read Answer\" href=\"#expert-christine-vogt\"\u003ERead Answer\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\n\u003Cdiv class=\"third pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"headshot of expert\" class=\"ShortcodeImage--image lazyload\" style=\"width: 80px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/expert-advice-headshots_sfuxjr\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_80\/v1\/expert-advice-headshots_sfuxjr\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/expert-advice-headshots_sfuxjr 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_80\/v1\/expert-advice-headshots_sfuxjr 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EVictor Ricciardi\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Visiting Assistant Professor\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Read Answer\" href=\"#expert-victor-ricciardi\"\u003ERead Answer\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"third pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"headshot of expert\" class=\"ShortcodeImage--image lazyload\" style=\"width: 80px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/megan-hunter_ighvjs\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_80\/v1\/megan-hunter_ighvjs\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/megan-hunter_ighvjs 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_80\/v1\/megan-hunter_ighvjs 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EMegan Hunter\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Assistant Professor\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Read Answer\" href=\"#expert-meghan-hunter\"\u003ERead Answer\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003C\/div\u003E\n\u003Cdiv class=\"third pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"headshot of expert\" class=\"ShortcodeImage--image lazyload\" style=\"width: 80px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/genevieve-oconnor_yo7typ\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_80\/v1\/genevieve-oconnor_yo7typ\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_80\/v1\/genevieve-oconnor_yo7typ 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_80\/v1\/genevieve-oconnor_yo7typ 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--plain\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EGenevieve O'Connor, Ph.D.\u003C\/strong\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n Associate Professor of Marketing\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Read Answer\" href=\"#expert-genevieve-oconnor\"\u003ERead Answer\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003EThe commentary provided by these industry experts represent their viewpoints and opinions alone.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\n","padding":"double"}, {"backgroundColor":"white","content":"\n\u003Cdiv class=\"ShortcodeImage--root left\" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"headshot of expert\" class=\"ShortcodeImage--image lazyload\" style=\"width: 60px;\" data-src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_60\/v1\/expert-advice-headshots_sfuxjr\" src=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_60\/v1\/expert-advice-headshots_sfuxjr\" data-srcset=\"https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_60\/v1\/expert-advice-headshots_sfuxjr 1x, https:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_60\/v1\/expert-advice-headshots_sfuxjr 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"expert-carey-morewedge\"\u003ECarey K. Morewedge\u003C\/h3\u003E\n\n\u003Cp\u003EProfessor of Marketing and Everett W. Lord Distinguished Faculty Scholar, Questrom School of Business, Boston University\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeToggle--root ShortcodeToggle--article \" id=\u003E\n \u003Cbutton class=\"ShortcodeToggle--toggle\" onclick=\"this.parentNode.classList.toggle('ShortcodeToggle--open');\"\u003E\u003Cp class=\"ShortcodeToggle--label\"\u003ESee their advice\u003C\/p\u003E\u003C\/button\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents-wrapper\"\u003E\n \u003Cdiv class=\"ShortcodeToggle--contents\"\u003E\n \u003C\/p\u003E\n\n\u003Ch4\u003EHow do words like \"bonus\" or \"rewards\" impact consumers\u2019 buying decisions?\u003C\/h4\u003E\n\n\u003Cp\u003EConsumers respond differently to promotions if those words lead consumers to see them as a gain (e.g., \"bonus\" and \"rewards\") or as the reduction of a loss (e.g., \"savings\" and \"rebates\").
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