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If you’re a CEO, entrepreneur, recruiter, or hiring manager, you know how important it is to hire the right people for the right roles. But hiring the right people for the right roles goes way beyond simply attracting “the best and brightest” of your industry. Just because someone is highly qualified, great at what they do and has impressive experience, doesn’t mean they are a good fit for your organization or your culture. If you want your business to thrive in the marketplace, you need to filter out potential employees who may not be a great fit for your organization and attract those who are the most likely to thrive. Here are three ways to attract potential employees who are more likely to fall in love with your brand. Give candidates a realistic job preview According to LinkedIn, the biggest concern candidates experience when searching for a job is not knowing what it’s really like to work at an organization before they apply. If you truly want to give candidates a transparent look at your organization, including the not-so-glamorous side of the role they are applying for, consider adopting Realistic Job Previews as part of your recruitment strategy. Realistic Job Previews (RJPs), as the name suggests, are designed to give candidates a realistic peek behind the curtains of the role they are applying for so they can make well-informed decisions on whether the job is one which they will love and thrive in. Some companies, like Boston Consulting Group, allow candidates to take a 3D tour of the company and to register for a job simulation. Other companies, such as Marriott, use gamification to give candidates the opportunity to perform the digital equivalents of the tasks they would perform on the job if they are successful in their application. This gives candidates a close approximation of the difficulty level of the jobs they are applying for and can help them decide whether the job they are applying for is a good fit for them. If you simply don’t have the budget for these high-tech solutions, an effective low-tech alternative may be to simply allow candidates applying for a job at your organization to spend an entire day in your workplace shadowing team members in the department they are applying to be a part of and speaking with any of your team members individually or in groups—unsupervised and without any intervention or interruption by any member of our leadership team. This allows candidates the opportunity to have a truly unfiltered and uncensored view of your business from the perspective of employees without management running interference. Candidates who like what they see will be more likely to apply for (and love) a role at your organization, while those who don’t will look elsewhere for employment (saving you valuable time and money). This is RJP in its purest and most transparent form. Don’t worry too much about scaring off candidates with the truth, because when you stop and think about it, if they join your team, it won’t be long before they see both your strengths and weaknesses for themselves. It’s much better to be upfront with candidates so they can make an informed choice rather than to hide the truth and have your new employees quit after a few months, weeks, or days after they experience your culture for themselves! Articulate an inspiring purpose Research by Gallup shows that employees with a strong sense of purpose in the workplace are 5.6 times as likely to be engaged in their jobs compared to those with a low sense of purpose. And research conducted by McKinsey indicated that 82% of employees believe it’s important for their company to have a purpose. That’s why it’s important to carefully articulate your purpose in a way that inspires potential employees who are aligned with your purpose to want to work with you. If your purpose is, for example, to help alleviate poverty, it will attract individuals who love the idea of helping people improve their quality of life. If your purpose is to create technologically advanced products that improve the lives of customers, that purpose will help attract individuals who genuinely love being involved in the process of technological innovation. And, if your purpose is to help preserve the environment, you will attract employees who are passionate about conserving natural habitats. If your company doesn’t have a thoughtfully articulated and documented purpose, take the time to do so right away—it just might help you to attract individuals who will love working at your organization. Demonstrate that you value career development If you want your employees to love your organization, let them know upfront what career opportunities they may be eligible for across the organization beyond the role for which they are applying. Deloitte’s Explore Your Fit initiative does a good job of this by using technology that allows candidates to answer a series of questions about themselves, their experience, and their interests. Based on the responses, Deloitte will provide candidates with a custom digital guide to help them navigate career opportunities within their fit area. If you prefer a more personal touch, have a conversation with candidates that includes a review of your organizational chart, and what positions they may be eligible for if they excel at the position they are currently applying for—especially if your company has a history of promoting from within the organization. Some companies that value career development have even been known to create custom positions for high performers they want to retain even after they have outgrown the positions they originally applied for—something you may want to consider if you want to ensure that you retain your top talent, even in roles you may not have previously envisioned. When employers demonstrate that they value career development, candidates are more likely to have confidence that their work will be meaningful and lead to future opportunities within the organization—helping them make a more informed decision and more likely to fall in love with the jobs they have applied for. Of course, there are several other ways to attract employees who will love working for your organization, but these three activities are an excellent way to start the process of having potential employees who will fall in love with their roles in your organization. View the full article

For two decades, I’ve mentored professionals at every career stage: first as a high school teacher and administrator, and presently as a university professor and corporate consultant. One pattern emerges across every career pathway—the people who find strong fits for their talents aren’t the ones with the most impressive single credential. They’re the ones who understand how three things work together: Skills. Credentials. Network. The car mechanic who realized his hands-on skills weren’t enough as cars went digital. So he went to night school and earned his associate’s, bachelor’s, and MBA in four years. During the journey, he took advantage of every professional networking opportunity his job and college offered him. Today he’s a fleet director at a major construction firm. The product manager who wanted to transition into consulting. She started running experiments online and building an audience for her behavioral design work. That public learning launched her into a consultant role and, eventually, a managing director position at the same company. The mid-career professional who pursued an online master’s degree in data science while aggressively expanding his network. Within two years: book endorsements, podcast appearances, and a transformed career. Three people. Three different starting points. Same solution: they each tended to the three corners of professional success. Skills. Credentials. Network. Here’s what each corner means: Skills: Can You Do the Work? This is the obvious one, but it’s more layered than most people realize. You need hard skills (can you code, analyze data, design a system?), soft skills (can you communicate clearly, collaborate effectively, adapt to changing circumstances?), and job sculpting skills (can you position yourself effectively through résumés, cover letters, and strategic outreach?). Furthermore, in a world where AI can replicate many technical skills, you need to demonstrate more than competence. You need to show you can apply skills in messy, real-world contexts that don’t come with clear instructions. This comes from years of solving problems and creating possibilities in collaborative, real-world contexts. Credentials: Can You Navigate Systems? Yes, the “skills-based hiring” movement is real. But credentials still matter, and not just for the knowledge they represent. A degree signals to employers that you showed up, navigated a complex system, and saw a multiyear commitment through to completion. As one hiring manager told me: “If you finished college, I know you can operate in structured environments, meet deadlines, and push through when things get difficult.” Credentials aren’t just proof of knowledge. They’re proof of persistence and the ability to navigate systems. Network: Does Anyone Know You Exist? This is the most overlooked corner and the hardest to measure. Stanford University sociologist Mark Granovetter famously called it “the strength of weak ties”: the acquaintances who know different people and have access to different opportunities than your close friends do. It’s about who knows what you can do, who vouches for you when opportunities arise, and who creates pathways you’d never find on your own. The number of LinkedIn connections doesn’t matter. It’s the depth of contacts and engagements you have with people in your field and adjacent fields that does. Professional associations, internships, alumni networks, mentors: these aren’t “nice to have.” They’re foundational. Why All Three Matter Here’s what I’ve seen so many people misunderstand: they’re crushing it in one corner but can’t figure out why their career isn’t clicking. Dazzling skills, impressive credentials, cool connections, yet nothing’s working. I had one mentee who applied to hundreds of marketing jobs. He had impressive skills but no network and the wrong credentials. No interviews came his way. From where he sat, it was maddening. From the outside, it wasn’t mysterious at all. A strong network may have been able to overcome the credential mismatch, but with neither in place he had to carefully reconsider his next steps. Meanwhile, often mid-career professionals considering a master’s degree forget to be strategic about all three corners. The best programs aren’t just about the credential. You’re bringing work experience, building new skills, and accessing a powerful alumni network simultaneously. Too often people enter programs with a narrow focus. I’ve seen professionals complete expensive degrees, ace every exam, and graduate with zero meaningful relationships in their cohort. They don’t even think about using their student status to land an internship or fellowship at organizations they care about. They paid for one corner and ignored the other two! Here’s what makes this framework durable: the three corners reinforce each other. When you sharpen someone’s work, you’re building their skills. When you help them navigate complexity, you’re teaching system navigation. When you make introductions, you’re expanding their network. The framework works at every career stage because the fundamentals don’t change. The world is changing fast. AI disrupts skills, remote work reshapes networks, degree inflation is real. But employers will always need people who can do things well, navigate complexity, and work effectively with humans. Assess all three corners honestly. Where are you strongest? Where have you been neglecting? Invest there. Your next opportunity won’t come from one thing; it’ll come from understanding how all three work together. And while you can’t control luck, building all three corners means you’re ready when it shows up. View the full article

Can I say it? If you have ever scrolled on social media and felt like you joined a conversation halfway through, with no context at all, you are not alone. Over the past few weeks, a type of posting has resurfaced online with the sole purpose of ragebaiting everyone. It is called vagueposting, and it involves being intentionally cryptic as a form of engagement bait. Common vagueposts include “can I say it?” without ever saying anything, or insisting “you won’t like the answer” without ever revealing the answer. Or “oh that’s not…” What? WHAT? The practice is not new. The term was originally called vaguebooking, which referred to posting emo Facebook statuses that pandered for attention. One example might be writing “worst day ever” without offering any details, or posting a black square paired with a pointed platitude. The first meme of the year was one example of vagueposting in action. It started with a TikTok posted in December about rebranding for 2026. In the comments, others shared their own strategies and self-improvement tips for the upcoming year. A user named Tamara shared her own method involving 365 buttons. When pressed to explain what the 365 buttons were for, she simply responded: “Hey, so it actually only has to make sense to me for me to do it and I don’t feel like explaining it to anyone else.” Vagueposting has also resurfaced on platforms like X in December and early January. On X, one user noted, “Why has this entire site turned to fucking vagueposting in the past month, like every viral tweet means nothing anymore because there’s no context.” Why has this entire site turned to fucking vagueposting in the past month, like every viral tweet means nothing anymore because there's no context — FPSthetics (@FPSthetics) December 15, 2025 Another added: “Many dreadful things are happening online, but I’m really impressed by how utterly maddening the ‘vagueposting for likes’ trend is.” Many dreadful things are happening online, but I'm really impressed by how utterly maddening the "vagueposting for likes" trend is — Clarissa Aykroyd (@stoneandthestar) January 26, 2026 The fact that vagueposting is proliferating on X right now is not a coincidence. Elon Musk’s new monetization policies have warped the platform. Those who remain are in a race to the bottom, competing against AI slop in pursuit of clicks and engagement. “Vagueposting is a trend because the algorithm senses that you are clicking on those tweets (engagement) to see the replies for context,” one X user explained. “So it promotes vague tweets over ones that explain enough that you can read and scroll past them.” vagueposting is a trend because the algorithm senses that you are clicking on those tweets (engagement) to see the replies for context so it promotes vague tweets over ones that explain enough that you can read and scroll past them. — demi adejuyigbe (@electrolemon) January 11, 2026 As the internet continues to eat itself, what remains across beleaguered social media platforms are half-formed thoughts, clips stripped of necessary context, and engagement baits designed to hook our shrinking attention spans and further trigger our dysregulated nervous systems. …you’re probably not gonna like the answer. View the full article

It’s five answers to five questions. Here we go… 1. Should I take a job with my politician brother? My brother is running for local office as a Democrat in our very blue state. I think he has a great shot at winning, and not just saying that because he is my brother. This district has swung very blue since 24. His GOP opponents are definitely beatable. My state has no rules or guidelines on nepotism in office. So if he wins, and he probably can, I will almost certainly be offered something in his office. I will almost certainly be offered some office in his campaign, as well. Should I take it? On the one hand, it’s working for the family in a huge pressure cooker. On the other hand, it’d be a great experience, and it’s not just a family business. He and I also get along pretty well. Unless it crashes and burns, which could be detrimental. Do you have any advice about what questions to ask myself or him to decide if this would work? Or any guidelines we should set in place if I do decide to do this? Eh. Do you want to be a nepotism hire, with all that comes with that — like people assuming that you got the job because of your brother and not on merit, colleagues not being candid around you because it might get back to your brother, and — if it’s a job you couldn’t get without the family connection — potentially being responsible for work you don’t have the professional seasoning to do as well as someone experienced could do? And that’s before we even get into the personal complications of working with family, including changing the nature of your relationship with your brother? Some people clearly calculate that those trade-off’s are worth it to them, but those are the factors I’d try to look at as realistically as possible. More here: should I take a job working for my dad? I am the nepotism hire who no one likes 2. Our retreats are full of physical activities I can’t do I work at an organization that’s full of outdoorsy people, and most employees work outside at least once a week. I have an admin position and almost always work indoors, at home. This is great for me because I have fibromyalgia and don’t have very much energy for outdoor, physical work. I have trouble standing for long periods of time and have passed out or almost passed out several times in the past while working outside. However, we have staff retreats several times a year, and they are often set outside and involve a lot of physical activity (hiking, kayaking, etc.). Sometimes I am able to do these activities, and sometimes I’m not. Attendance is required, although it’s not really clear what the consequences would be if we skipped them. Most of my coworkers relish these retreats and often say how glad they are that we have them outside. The retreats give me a lot of anxiety, because I either won’t be able to do the physical activities, or they will likely cause a flare-up and I’ll have to take time off to recover. I worry that if I ask for some alternatives that are less physical/indoors, my coworkers will resent me. This is especially the case for our team retreats, because our team is small and it wouldn’t make much sense for us to split up to do separate activities, so everyone would end up doing something less physical/indoors. My boss is aware of my fibromyalgia and I have told him that I really struggle with outdoor activities, but since I haven’t needed to formally ask for accommodations (because my core responsibilities don’t require outdoors work) he hasn’t made any changes to our retreats. How can I ask for what I need without putting a damper on the retreats for the rest of my team? Bring it up now, before the next one is announced, and say this to your boss: “While I’ve tried to make it work in the past, for health reasons I won’t be able to participate in the physical activities at retreats from now on, like kayaking or hiking. Would it be better for me to not attend, or could we start planning retreats that don’t center around those types of activities?” Alternately, if you prefer to attend and just want different activities, reword that last sentence to, “I get a lot of value out of attending, so could we look at activities that don’t require those physical abilities?” You might also add, “I imagine at some point we may hire others with similar restrictions, and I know we want to be as inclusive as we can.” If being more inclusive makes your coworkers resentful … well, first, your boss should own this decision herself, not attribute it to you. But also, this is part of working with other people, and they’ll need to get over it! They are free to kayak and hike in their off hours as much as they’d like. 3. Should we stop suspending people without pay before firing them? My employer’s corrective action plan states that any employee who is issued a final warning (the last step before termination) serves an immediate one-day unpaid suspension. The reasoning is stated to be to emphasize the seriousness of the offense. Recently, I’ve had to enact this policy for someone who has repeatedly violated our attendance policy. I have brought up the fact that it seems pretty silly to suspend someone for not coming to work, and our admin team seems to agree and we may be altering this policy. In your opinion, are these sort of punitive policies effective or necessary? To me it seems a bit demeaning and assumes our employees aren’t mature enough to understand the consequences of their actions and a bit cruel as we’re weaponizing people’s pay/livelihoods against them. Also, it ends up being a logistical nightmare figuring out how employees are going to serve said suspensions without affecting business operations. Yeah, you should get rid of the one-day unpaid suspension policy. It’s purely punitive, and the entire concept of “punishment” doesn’t belong at work. There should be natural consequences when people badly mess up, which could be anything from getting less autonomy or less flexibility all the way to losing the job — but those consequences should be the logical result of whatever the problems were, not punishment imposed for punishment’s sake. If your company’s managers are managing well — setting clear expectations, giving clear feedback, and addressing it forthrightly when someone’s not meeting the bar they need — that should be all they need. 4. I joined the DEI council and they’re asking me for way too much I work at a large academic medical center and I joined a DEI council at work for staff members across the institution. I was originally told it was a small commitment (on the level of 7-8 hours a month) and it seemed like a good way to connect with people and help out with causes that are important to me. That does not feel like what I got. I joined a project subcommittee and was handed a project plan to rework that involved organizing equity trainings across the college. The plan was no longer viable as it was several years old. Then it came up a couple of months after we started that the institution would not be able to support creating or facilitating any training sessions, and we would have to shift to something else instead. The way this news was announced by the liaison to the administration made me think it was a known constraint that we weren’t made aware of at the outset. This something else is likely a resource website, but it appears that my group will have to start from zero and develop all the content ourselves. And I am absolutely not qualified to do that in any way! I am a data analyst for a research lab whose only relevant experience is being part of a marginalized community. And it would be a huge time sink to do it justice. The other subcommittees seem like less effort, focusing on engaging the full committee and doing some minor event planning (think panel discussions and holiday celebrations). Is their expectation for the project reasonable under these circumstances? And assuming it is unreasonable, do you have any suggestions on how to get out of it? I technically made a two-year commitment and I’m on month six. Nope, it’s not reasonable — but even if it were, you’d still be able to explain you didn’t realize that was what you were signing up for and that unfortunately it’s not work you’re able to do. That’s the framing I’d use here: “I’m sorry, my understanding was that I was signing up for seven or eight hours a month doing things like XYZ. This project is significantly larger and not one I am equipped to take on — and it’s important enough that it should be done by someone qualified to do it. I’m happy to stay on the larger council if you’d like me to, but I need to step down from this subcommittee.” 5. Resigning when I’m on my honeymoon I’m interviewing for a job I’m really hopeful for and it’s going well! My third interview (meeting the team) is tomorrow. My concern is about leaving my current job. Next week I’ll leave for my three-week honeymoon. If I get a job offer while I’m on vacation, what’s the best way to handle this? Do I submit my resignation ASAP? Submit it the second I return and work for two more weeks, assuming my new job would even be okay with that? For what it’s worth, I am doing my best to leave a list of instructions for “while I’m on vacation” that doubles as instructions for “while I’m gone forever.” My potential new job is already aware of my travel dates and is not concerned about that affecting my start date. And I’m honestly kind of desperate to run out the door from my current job. One option is to feel out the new job on how comfortable they’d be with you pushing your start date back enough that you could still work one to two weeks at your current job after you return, in order to help transition your work. A lot of employers would be completely fine with that (and would hope their employees would do the same in your situation). If you can do that, that’s the best option. But if they can’t be flexible on that (and there can be legitimate reasons for that) and you’re not going to be able to give much or any notice, then yes — you’d contact your boss from your vacation, apologize for the timing and say you know it’s not ideal, but you didn’t want to wait until you got back so that they could have the maximum possible notice. The post should I take a job with my politician brother, retreats are full of physical activities I can’t do, and more appeared first on Ask a Manager. View the full article

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When it pertains to maximizing your spending, comprehending the best reward card programs is crucial. Cards like the Capital One Venture Rewards and Chase Sapphire Preferred offer attractive bonuses and flexible redemption options. Meanwhile, the Wells Fargo Active Cash and Blue Cash Preferred from American Express cater to different purchasing habits, providing cashback on everyday expenses. Each program has unique features that can improve your financial strategy, so it’s important to compare them carefully. Key Takeaways The Capital One Venture Rewards Credit Card offers 2 miles per dollar on all purchases and a 75,000-mile sign-up bonus after spending $4,000. With the Chase Sapphire Preferred® Card, earn 2x points on travel and dining, plus a 60,000-point sign-up bonus after spending $4,000. The Wells Fargo Active Cash® Card provides 2% cash back on all purchases, a $200 sign-up bonus after spending $1,000, and no annual fee. 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New cardholders can earn a sign-up bonus of 60,000 points after spending $4,000 in the first three months, redeemable for $750 in travel. This card is often considered one of the best points credit cards owing to its flexibility in redeeming rewards across various credit card rewards programs. Category Points Earned Redemption Options Travel & Dining 2 points per dollar Travel, Cash Back All Other Purchases 1 point per dollar Gift Cards Sign-Up Bonus 60,000 points $750 in Travel Transfer Partners 14+ programs 1:1 ratio Travel Benefits Overview When considering the Chase Sapphire Preferred® Card, you’ll find a range of travel benefits intended to improve your travels and provide peace of mind. This card stands out among credit cards with great rewards, offering some of the best credit card perks available. Earn 2X points on travel and dining, enhancing your rewards potential. 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New cardholders can take advantage of a $250 welcome bonus after spending $3,000 in the first 6 months, which adds significant value. Plus, with a 0% introductory APR on purchases for the first 12 months, you’ll find some of the best credit card offers available today. Annual Fee Details When considering the Blue Cash Preferred® Card from American Express, it’s important to review the annual fee structure. This card has an annual fee of $95, which is waived for the first year for new cardholders, making it an attractive choice among credit card programs. Here are some key details: You earn 6% cash back on the first $6,000 spent annually at U.S. Bank, ideal for grocery shoppers. You get 3% cash back on transit, including taxis and public transportation. A welcome offer provides a $250 statement credit after spending $3,000 in the first 6 months. 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Capital One Savor Cash Rewards Credit Card Capital One Savor Cash Rewards Credit Card caters to those who frequently dine out and enjoy entertainment, offering an attractive cashback structure that boosts your earning potential. This award credit card stands out with its unique rewards, making it one of the best card reward programs available. Here’s what you can expect: Earn 8% cashback on dining and entertainment, 2% on groceries, and 1% on all other purchases. Enjoy a sign-up bonus of $100 credit plus $200 cash after spending $500 in the first three months. Benefit from no annual fee for the first year and access to exclusive culinary events. Cashback rewards can be redeemed for statement credits, providing flexibility in how you use your earnings. The New United℠ Explorer Card For those who travel frequently, the New United℠ Explorer Card offers a compelling rewards program customized to improve your travel experience. With an annual fee of $0 for the first year, it’s a solid choice among top credit cards for rewards. You earn 2 miles per dollar on dining and eligible travel, plus 1 mile on other purchases, allowing you to accumulate rewards quickly. New cardholders can likewise snag a sign-up bonus of 60,000 miles after spending $3,000 in the first three months, making it one of the best bonus points credit cards. Benefits include priority boarding, a free first checked bag, and miles that never expire, enhancing the value of this card in popular credit card loyalty programs. Frequently Asked Questions Who Has the Best Rewards Program? Determining who’s the best rewards program depends on your preferences and shopping habits. For example, Starbucks Rewards offers stars for purchases, leading to free drinks, whereas Amazon Prime provides benefits like free two-day shipping. If you’re into beauty products, Sephora’s Beauty Insider program features tiered rewards and birthday gifts. On the other hand, Nike Membership emphasizes community engagement and exclusive products, while Ulta Beauty Rewards allows you to earn points on every purchase. Choose based on what suits you best. What Is the World’s Most Generous Rewards Program? The world’s most generous rewards program is often considered to be the Starwood Preferred Guest (SPG) program, which lets you earn up to 5 points per dollar spent at participating hotels. You can redeem these points for free nights and room upgrades, and transfer them to over 40 airline partners at a 1:1 ratio. Moreover, the program’s no blackout dates policy guarantees you can use your points whenever you want, subject to availability. What Is the Most Successful Loyalty Program in the World? The most successful loyalty program in the world is Starbucks Rewards, with nearly 30 million members. It generates over half of store spending from participants, thanks to its gamification approach. You earn stars on purchases that can be redeemed for free items, enhancing engagement. The program’s year-over-year membership growth of 16% shows its effectiveness. Features like personalized offers and mobile ordering simplify the experience, making it a standout in customer loyalty programs. What Is the Best Card to Earn Rewards? To earn rewards effectively, consider your spending habits. If you prefer flexibility, the Chase Freedom Flex® card offers up to 5% cash back in rotating categories. For simplicity, the Citi Double Cash® card provides 2% cash back on every purchase. If you travel often, the Capital One Venture Rewards Credit Card delivers up to 6% on travel-related purchases. Each of these cards has unique benefits, so choose one that aligns with your financial goals. Conclusion In conclusion, the top seven reward card programs provide a range of benefits customized to various spending habits. Cards like the Capital One Venture Rewards and Chase Sapphire Preferred offer significant travel perks, whereas options like the Wells Fargo Active Cash and Blue Cash Preferred from American Express focus on cashback rewards. By evaluating your spending patterns and preferences, you can select a card that maximizes your rewards potential, ensuring you make the most of each purchase. Image via Google Gemini This article, "Top 7 Reward Card Programs You Should Know" was first published on Small Business Trends View the full article

When it pertains to maximizing your spending, comprehending the best reward card programs is crucial. Cards like the Capital One Venture Rewards and Chase Sapphire Preferred offer attractive bonuses and flexible redemption options. Meanwhile, the Wells Fargo Active Cash and Blue Cash Preferred from American Express cater to different purchasing habits, providing cashback on everyday expenses. Each program has unique features that can improve your financial strategy, so it’s important to compare them carefully. Key Takeaways The Capital One Venture Rewards Credit Card offers 2 miles per dollar on all purchases and a 75,000-mile sign-up bonus after spending $4,000. With the Chase Sapphire Preferred® Card, earn 2x points on travel and dining, plus a 60,000-point sign-up bonus after spending $4,000. The Wells Fargo Active Cash® Card provides 2% cash back on all purchases, a $200 sign-up bonus after spending $1,000, and no annual fee. Blue Cash Preferred® Card From American Express rewards 6% cash back at U.S. supermarkets, offers a $250 bonus after spending $3,000, with the annual fee waived first year. The Discover It® Cash Back card features 1% on all purchases, 5% on rotating categories, and a unique Cashback Match for the first year. Capital One Venture Rewards Credit Card The Capital One Venture Rewards Credit Card stands out as an excellent option for those who frequently travel and want to maximize their rewards. With 2 miles per dollar spent on every purchase, it’s one of the best rewards cards available. You can earn a substantial sign-up bonus of 75,000 miles after spending $4,000 in the first three months, which translates to $750 in travel expenses. Moreover, this highest rewards credit card offers no foreign transaction fees and access to travel accident insurance, enhancing your travel experience. The annual fee of $95 is waived for the first year, allowing you to explore its benefits without immediate cost. You can redeem miles flexibly for travel purchases, gift cards, or statement credits. Chase Sapphire Preferred® Card The Chase Sapphire Preferred® Card features a rewarding points structure that’s particularly beneficial for travelers and food enthusiasts. You earn 2x points on travel and dining, plus 1 point for every dollar spent on other purchases, allowing you to accumulate points quickly. Furthermore, the card offers valuable travel benefits like trip cancellation insurance and no foreign transaction fees, making it a practical choice for frequent travelers. Reward Points Structure With its competitive rewards structure, the Chase Sapphire Preferred® Card allows you to maximize your earnings on everyday spending. You earn 2 points per dollar on travel and dining, and 1 point on all other purchases. New cardholders can earn a sign-up bonus of 60,000 points after spending $4,000 in the first three months, redeemable for $750 in travel. This card is often considered one of the best points credit cards owing to its flexibility in redeeming rewards across various credit card rewards programs. Category Points Earned Redemption Options Travel & Dining 2 points per dollar Travel, Cash Back All Other Purchases 1 point per dollar Gift Cards Sign-Up Bonus 60,000 points $750 in Travel Transfer Partners 14+ programs 1:1 ratio Travel Benefits Overview When considering the Chase Sapphire Preferred® Card, you’ll find a range of travel benefits intended to improve your travels and provide peace of mind. This card stands out among credit cards with great rewards, offering some of the best credit card perks available. Earn 2X points on travel and dining, enhancing your rewards potential. Enjoy a generous sign-up bonus of 60,000 points after spending $4,000 in the first 3 months, redeemable for $750 in travel. Benefit from travel protections like trip cancellation/interruption insurance and primary rental car insurance. With points transferable to over 14 airline and hotel partners at a 1:1 ratio, this reward credit card maximizes the value of your points, making it a valuable choice for frequent travelers. Wells Fargo Active Cash® Card Offering a straightforward approach to cash back rewards, the Wells Fargo Active Cash® Card is an excellent choice for those who want simplicity in their credit card benefits. With a flat-rate cash back of 2% on all purchases, it stands out among credit cards with best rewards, enabling you to earn consistently without category limits. New cardholders can likewise enjoy a sign-up bonus of $200 after spending $1,000 in the first three months, making it one of the best credit cards with benefits. Moreover, there’s no annual fee, which helps maximize your cash back. Plus, you’ll benefit from a 0% introductory APR on purchases and qualifying balance transfers for the first 15 months, ensuring financial flexibility. Blue Cash Preferred® Card From American Express The Blue Cash Preferred® Card From American Express offers impressive cash back benefits, particularly for those who frequently shop at U.S. supermarkets, where you can earn 6% on the first $6,000 spent each year. You’ll additionally receive 3% back on transit expenses, making it a solid choice for anyone using taxis or public transport. Although there’s a $95 annual fee, it’s waived for the first year, allowing you to start maximizing your rewards right away. Cash Back Benefits With a compelling 6% cash back on the first $6,000 spent annually at U.S. supermarkets, the Blue Cash Preferred® Card from American Express is a strong choice for individuals who frequently purchase groceries. This card stands out among high reward credit cards, offering significant cash back benefits. Consider these highlights: Earn 3% cash back on U.S. gas station purchases. Enjoy 1% cash back on all other purchases. Receive a $200 welcome bonus after spending $3,000 in the first six months. For those who are seeking the best credit card with best rewards, this card’s cash back rewards can be redeemed as statement credits, making it an excellent option within various credit card rewards programs. Grocery Rewards Focus For grocery shoppers looking to maximize their rewards, the Blue Cash Preferred® Card from American Express presents a compelling option. With an impressive 6% cashback on the first $6,000 spent annually at U.S. supermarkets, it ranks among the best credit cards for purchases in this category. Moreover, you’ll earn 3% cashback on U.S. gas station purchases and transit expenses, making it a versatile rewards credit card. New cardholders can take advantage of a $250 welcome bonus after spending $3,000 in the first 6 months, which adds significant value. Plus, with a 0% introductory APR on purchases for the first 12 months, you’ll find some of the best credit card offers available today. Annual Fee Details When considering the Blue Cash Preferred® Card from American Express, it’s important to review the annual fee structure. This card has an annual fee of $95, which is waived for the first year for new cardholders, making it an attractive choice among credit card programs. Here are some key details: You earn 6% cash back on the first $6,000 spent annually at U.S. Bank, ideal for grocery shoppers. You get 3% cash back on transit, including taxis and public transportation. A welcome offer provides a $250 statement credit after spending $3,000 in the first 6 months. These benefits position the Blue Cash Preferred® Card as one of the best credit card rewards programs, maximizing your credit card perks effectively. Discover It® Cash Back The Discover It® Cash Back card stands out for its distinctive cashback structure, allowing you to earn 1% on all purchases and 5% on rotating quarterly categories, which can considerably improve your rewards potential. New cardholders can take advantage of the Cashback Match, effectively doubling your cash back earned in the first year, making it one of the credit cards with good rewards. Plus, there’s no annual fee, enhancing its appeal when you reward credit cards compare. You can redeem your cash back for statement credits, direct deposits, or gift cards, providing flexibility in using your rewards. With tools like an online rewards tracker and alerts for bonus categories, you can maximize the best reward points. Capital One Savor Cash Rewards Credit Card Capital One Savor Cash Rewards Credit Card caters to those who frequently dine out and enjoy entertainment, offering an attractive cashback structure that boosts your earning potential. This award credit card stands out with its unique rewards, making it one of the best card reward programs available. Here’s what you can expect: Earn 8% cashback on dining and entertainment, 2% on groceries, and 1% on all other purchases. Enjoy a sign-up bonus of $100 credit plus $200 cash after spending $500 in the first three months. Benefit from no annual fee for the first year and access to exclusive culinary events. Cashback rewards can be redeemed for statement credits, providing flexibility in how you use your earnings. The New United℠ Explorer Card For those who travel frequently, the New United℠ Explorer Card offers a compelling rewards program customized to improve your travel experience. With an annual fee of $0 for the first year, it’s a solid choice among top credit cards for rewards. You earn 2 miles per dollar on dining and eligible travel, plus 1 mile on other purchases, allowing you to accumulate rewards quickly. New cardholders can likewise snag a sign-up bonus of 60,000 miles after spending $3,000 in the first three months, making it one of the best bonus points credit cards. Benefits include priority boarding, a free first checked bag, and miles that never expire, enhancing the value of this card in popular credit card loyalty programs. Frequently Asked Questions Who Has the Best Rewards Program? Determining who’s the best rewards program depends on your preferences and shopping habits. For example, Starbucks Rewards offers stars for purchases, leading to free drinks, whereas Amazon Prime provides benefits like free two-day shipping. If you’re into beauty products, Sephora’s Beauty Insider program features tiered rewards and birthday gifts. On the other hand, Nike Membership emphasizes community engagement and exclusive products, while Ulta Beauty Rewards allows you to earn points on every purchase. Choose based on what suits you best. What Is the World’s Most Generous Rewards Program? The world’s most generous rewards program is often considered to be the Starwood Preferred Guest (SPG) program, which lets you earn up to 5 points per dollar spent at participating hotels. You can redeem these points for free nights and room upgrades, and transfer them to over 40 airline partners at a 1:1 ratio. Moreover, the program’s no blackout dates policy guarantees you can use your points whenever you want, subject to availability. What Is the Most Successful Loyalty Program in the World? The most successful loyalty program in the world is Starbucks Rewards, with nearly 30 million members. It generates over half of store spending from participants, thanks to its gamification approach. You earn stars on purchases that can be redeemed for free items, enhancing engagement. The program’s year-over-year membership growth of 16% shows its effectiveness. Features like personalized offers and mobile ordering simplify the experience, making it a standout in customer loyalty programs. What Is the Best Card to Earn Rewards? To earn rewards effectively, consider your spending habits. If you prefer flexibility, the Chase Freedom Flex® card offers up to 5% cash back in rotating categories. For simplicity, the Citi Double Cash® card provides 2% cash back on every purchase. If you travel often, the Capital One Venture Rewards Credit Card delivers up to 6% on travel-related purchases. Each of these cards has unique benefits, so choose one that aligns with your financial goals. Conclusion In conclusion, the top seven reward card programs provide a range of benefits customized to various spending habits. Cards like the Capital One Venture Rewards and Chase Sapphire Preferred offer significant travel perks, whereas options like the Wells Fargo Active Cash and Blue Cash Preferred from American Express focus on cashback rewards. By evaluating your spending patterns and preferences, you can select a card that maximizes your rewards potential, ensuring you make the most of each purchase. Image via Google Gemini This article, "Top 7 Reward Card Programs You Should Know" was first published on Small Business Trends View the full article

Bank’s general counsel sought sex offender’s help with career advancement and advised him on press enquiries View the full article

Women in all parts of my life are encountering similar obstacles in their health journeys. The common thread is that when we don’t advocate for ourselves and ask the right questions, we don’t get the care we need. While volunteering as a women’s heart health advocate and immersing my public relations agency in the health innovation ecosystem, I’m constantly thinking about how to bring to light the issues—and solutions—that are all around us. “Women are dying because we aren’t marketing life-saving therapies to them,” said Rachel Rubin, MD, a urologist and sexual medicine specialist, and assistant clinical professor in urology at Georgetown University Hospital. She made these comments in her 2-hour conversation last May with Peter Attia, MD, on his podcast The Drive. The podcast discussion helped illuminate the decades-long debate around hormone replacement therapy (HRT). Since then, the FDA removed its 20-year-plus warning label on HRT for menopause. STORYTELLING CAN HELP This is where storytelling can lead to real change, bringing awareness to previously misunderstood or underreported issues that can save lives. At the very least, we need to encourage each other to find the right provider, ask the right questions, and not settle until we get the answers we need. Professionally, the optimist in me can’t help but see opportunities to help connect these dots. Here are four immediate steps we can take: Education: Over the last year, I’ve heard countless stories of women dismissing seemingly minor symptoms that turned out to be the precursor to a heart attack or undiagnosed cardiovascular health issue. The message is clear: We need to empower women to listen to our bodies by giving patients and providers the platforms to share their stories. Fortunately, journalists are looking for sources to speak with every single day, and PR professionals can play matchmaker. Funding: Media coverage can help the next round of health innovators secure funding and support. If you share your stories and expertise with journalists and podcasts, and on social networks like LinkedIn, you can create a butterfly effect that can influence these sources of funding. Reach and scale: Even early-stage startups, regional providers, small practices, and nonprofits have the opportunity to get quoted in national media outlets. Every day, journalists are looking for credentialed medical experts across topics like menopause, fertility, heart health, nutrition, and mental health to comment on the stories they’re filing for trusted news sources. You can enlist the help of a PR team or respond to queries yourself, if you have the time. Partnerships: While there are incredibly innovative health solutions popping up around the world, the massive opportunity in women’s health—and healthcare overall—requires the whole ecosystem to take part. A PR strategy focused on increasing visibility in industry publications and at conferences can help innovators and payers form meaningful partnerships. “Strategic partnerships between femtech and big tech, femtech and pharma, femtech and retail, and more are on the rise. These success stories illuminate a powerful way for women’s health startups to rapidly scale in both reach and credibility,” Theresa Neil, founder of Femovate and a “deep femtech” advocate told me. Building on the momentum over the last year, I’m encouraged by the direction of women’s health conversations, and yet I still know too many women who struggle to get the help they need. We can all play a part in amplifying these stories. Amy Jackson is founder and CEO of TaleSplash. View the full article

For decades, women business owners have faced a persistent challenge: access to capital. Despite owning nearly half of all small businesses in the U.S., women often encounter barriers to financing. I’ve seen from my experience at the SBA and now First Women’s Bank, that one of the biggest drivers of the gender lending gap isn’t just rejection, it’s that many women don’t come forward for financing at all. Whether due to lack of awareness, confidence, or systemic hurdles, “access” captures both those who are denied and those who never apply. Also driving the gender lending gap is the type of capital women seek. Women often seek startup capital that is difficult to obtain, rather than growth and acquisition capital. Especially pronounced is the lack of acquisition financing in the women’s economy. Women are starting businesses at twice the national average, yet based on my experience, the number of women engaged in financing business acquisitions versus startups is relatively low. That matters because when women choose to bootstrap startups and grow organically rather than acquiring an existing business, they are choosing the long road to success. Business acquisitions can be a powerful shortcut to scale. Starting from scratch means building infrastructure, cash flow, and customer relationships, one step at a time. Acquiring an established business gives you all that on day one, plus brand equity and proven operations. It’s a way to bypass early-stage risk and accelerate growth by leveraging what’s already working. SBA LOANS AND REAL ESTATE And back to the issue of access to capital. A startup, from a bank’s perspective, can be risky to finance and difficult to underwrite as the bank can only review projections. Financing an acquisition can be more achievable, as the bank can underwrite the acquisition target’s past business performance. SBA 7(a) loans are a strong financing option for business acquisitions, and combining an equity raise with SBA financing is yet another strategy that can create a healthy debt-to-equity structure and lower the debt burden for the business post-acquisition. Financing the acquisition of owner-occupied real estate, or in other words, acquiring real estate for your business to operate from, is another underutilized strategy in the women’s economy. Real estate assets can strengthen your balance sheet by adding real estate collateral, which can be used to secure future growth financing. Real estate ownership can stabilize expenses, eliminate landlord restrictions, and build long-term control and consistency. Over time, these assets don’t just support operations; they enhance your business value to your banks and investors. For owner-occupied real estate acquisition, SBA 7(a) and 504 loans can offer lower down payments for those who qualify. ACQUISITION FINANCING TO CLOSE THE GAP Strategic acquisition financing can lead to women controlling more assets, gaining negotiating power, improved financing terms, and the ability to reinvest in their companies and communities. Financing the acquisition of both business and real estate assets creates a virtuous cycle of empowerment, growth, and credibility, a critical step toward closing the gender lending gap. Marianne Markowitz is CEO of First Women’s Bank. View the full article

In today’s competitive market, implementing effective loyalty marketing programs can greatly improve customer retention. Strategies like tiered programs reward achievements, whereas gamified experiences make interactions more engaging. Value-based initiatives appeal to socially conscious consumers, and personalized rewards cater to individual preferences. Furthermore, surprise-and-delight tactics create memorable moments. Comprehending these approaches can help you cultivate deeper brand loyalty, but the question remains: which program will best suit your business needs? Key Takeaways Implement tiered loyalty programs to enhance engagement and reward customers for their loyalty through multiple membership levels. Utilize gamified elements to boost participation with competitions, badges, and surprise rewards that enhance customer interaction. Personalize rewards based on customer data to align offers with preferences, increasing engagement and retention rates significantly. Develop value-based programs that connect with social causes, attracting customers who prioritize brands reflecting their values. Use surprise and delight strategies to create emotional connections through unexpected rewards, fostering stronger brand loyalty and advocacy. Tiered Programs That Offer Experiential Rewards Tiered programs that offer experiential rewards are intended to improve customer engagement by providing a structured pathway for loyalty. These loyalty marketing programs gamify the customer experience through multiple membership levels, motivating you to advance based on your spending or engagement. Entry-level tiers offer foundational benefits that keep you engaged, whereas higher tiers reveal exclusive perks, enhancing your loyalty and encouraging continued spending. Such programs create emotional connections, as you feel a sense of achievement when reaching higher tiers. Brands utilize tiered loyalty card marketing not just to boost retention rates but also to gather valuable data insights on your behaviors and preferences, allowing for further personalization. Successful tiered loyalty programs, like those from Delta Airlines, demonstrate how customized pricing for high-tier members promotes frequent engagement and deepens customer loyalty. Gamified Loyalty Programs for Enhanced Engagement As businesses seek to improve customer engagement, gamified loyalty programs have emerged as a strong strategy that goes beyond traditional reward systems. These programs incorporate competition elements like points, badges, and leaderboards, motivating you to engage actively rather than merely making purchases. By rewarding diverse customer actions such as profile completion and social media interaction, they transform your experience into an entertaining accomplishment. Furthermore, challenges and surprise rewards keep the experience dynamic and enjoyable, which can lead to higher customer retention rates. Studies show that incorporating game mechanics can boost participation by up to 30%. In addition, Nike that implement gamification often see improved emotional connections with customers, resulting in a significant increase in repeat purchases. Value-Based Programs That Align With a Cause Value-based loyalty programs connect your brand with social or environmental causes, making it easier for you to attract conscious consumers. By engaging in community initiatives and supporting charitable causes, you not only improve brand loyalty but additionally create a strong emotional bond with your customers. This alignment of values can lead to increased spending and long-term engagement, benefiting both your business and the causes you champion. Aligning Brand Values When brands align their loyalty programs with social or environmental causes, they tap into a significant consumer trend: about 70% of customers prefer to support companies that reflect their values and beliefs. By integrating charitable initiatives into loyalty programs, you can create a sense of community and purpose among your customers, enhancing their loyalty and advocacy. Programs that donate a percentage of sales to charity not just boost brand loyalty but additionally encourage repeat purchases, as customers feel rewarded by contributing to meaningful causes. Studies show that customers engaged with value-based programs tend to spend 20% more on average, highlighting the financial benefits of aligning your brand values with customer priorities and increasing retention rates effectively. Engaging Community Initiatives How can brands effectively engage their customers through community initiatives? By implementing value-based loyalty programs that connect with social or environmental causes, you can resonate with the 70% of consumers who prefer brands that share their values. Consider tying donation initiatives to purchases; 55% of customers are more likely to support brands that contribute to charitable causes. When you align your loyalty programs with meaningful issues, you cultivate a sense of community, increasing customer engagement and retention by up to 25%. Furthermore, customers are four times more likely to recommend brands that demonstrate social responsibility. Engaging in community-focused initiatives can greatly boost repeat purchases, as 82% of consumers want to support brands making positive societal changes. Supporting Charitable Causes Supporting charitable causes through loyalty programs not merely strengthens your brand’s relationship with customers but similarly aligns your business with the values that matter to them. Value-based loyalty programs resonate deeply, as 70% of consumers prefer brands that support their personal beliefs. By donating a percentage of sales to selected charities, you cultivate a sense of community and shared purpose. Research shows customers are willing to spend 26% more on socially responsible brands. Implementing these initiatives not just boosts customer retention but additionally drives advocacy; 90% of consumers might switch to brands that support causes they care about. In the end, integrating charitable efforts into your loyalty programs improves engagement, with 84% of consumers favoring companies that give back to society. Paid (VIP) Loyalty Programs for Premium Perks Paid loyalty programs, like VIP memberships, offer you exclusive benefits that can improve your shopping experience. By providing perks such as discounts and early access to sales, these programs encourage you to engage more with the brand and maximize your investment. As you invest in these memberships, you’ll likely notice an increase in your spending and a greater sense of belonging within the brand’s community. Exclusive Member Benefits Though many consumers appreciate the advantages of loyalty programs, exclusive member benefits offered through paid or VIP loyalty programs greatly improve the overall experience. These programs, like Amazon Prime, encourage higher spending, with 60% of members likely to spend more because of immediate perks such as free shipping. VIP memberships cultivate a sense of urgency and exclusivity, which boosts customer satisfaction. For instance, 70% of Macy’s transactions in 2021 were linked to its loyalty program. Members enjoy premium perks, including early access to sales and unique experiences, increasing perceived value and emotional connections. Brands that implement these programs often see a significant return on investment, as loyal customers are 22 times more valuable than new ones, increasing overall Customer Lifetime Value. Enhanced Engagement Strategies Many brands leverage improved engagement strategies through VIP loyalty programs to maximize customer involvement and retention. These paid programs motivate you to spend more, with 60% of consumers likely to increase their spending after joining, creating a desire for immediate value. Exclusive perks, such as free shipping, early sale access, and premium customer service, improve your experience and deepen your connection to the brand. Furthermore, tiered benefits promote customer progression, nurturing a sense of achievement that encourages loyalty. Successful examples, like Amazon Prime, demonstrate that increased membership correlates with higher spending, driving significant revenue growth. Personalized Rewards Based on Customer Data Customized rewards based on customer data have become a crucial component of effective loyalty marketing programs, as they allow brands to connect with customers on a deeper level. When you receive offers designed to your preferences, you’re more likely to engage, resulting in engagement rates increasing by up to 30%. By leveraging data-driven insights, brands can personalize rewards that align with your values, leading to a 20% increase in customer retention. Furthermore, personalization drives a 10-30% boost in overall customer satisfaction, as you feel recognized and valued. With customized rewards, brands often see a 15% uplift in spending from loyal customers, motivating you to make more purchases. Data analytics enables companies to identify specific customer segments, allowing the design of unique rewards for each group. This strategy improves long-term loyalty and advocacy, ultimately creating a more effective loyalty program that benefits both you and the brand. Surprise and Delight Unpredictable Rewards Surprise and Delight strategies have emerged as a compelling way to improve customer loyalty by providing unexpected rewards that nurture genuine emotional connections with your brand. This approach proves more effective than traditional transactional rewards, creating potent feelings of appreciation. As a result, 70% of consumers engage more with brands that surprise them positively. Here’s a quick overview of Surprise and Delight tactics: Tactic Benefits Unexpected Gifts Creates lasting positive impressions Personalized Notes Augments emotional connection Exclusive Access Cultivates a sense of belonging Random Discounts Encourages repeat purchases Implementing these strategies can lead to higher customer retention rates, as these memorable experiences encourage loyalty. Plus, highly shareable experiences can amplify your brand’s reach through word-of-mouth marketing. Community-Focused Programs and Forums Community-focused programs and forums play a crucial role in improving customer loyalty by nurturing a sense of belonging among participants. When customers engage in exclusive forums or social groups, they not only interact with each other but also build deeper connections with your brand. These platforms allow them to share experiences, provide feedback, and feel valued. By offering member-only content, such as tutorials or webinars, you add significant value, which strengthens community bonds and boosts retention rates. In addition, user-generated content campaigns encourage customer involvement and advocacy, raising your brand’s visibility. Creating dedicated spaces for customer interaction leads to increased engagement, as participants feel more aligned with your brand’s values. In the end, these community-focused initiatives drive repeat purchases, as customers who feel connected are more likely to remain loyal. By cultivating these environments, you can effectively improve loyalty and encourage ongoing patronage. Frequently Asked Questions Do Loyalty Programs Increase Customer Retention? Yes, loyalty programs do increase customer retention. When you participate in these programs, you often receive rewards, discounts, or exclusive offers that encourage repeat purchases. Research shows that loyal customers tend to spend considerably more than new ones, enhancing the overall profitability for businesses. In addition, effective loyalty initiatives can cultivate deeper connections, making you more likely to return. In the end, these programs create a win-win scenario, benefiting both customers and companies alike. What Are the 4 C’s of Customer Loyalty? The 4 C’s of customer loyalty are Commitment, Convenience, Consistency, and Communication. Commitment reflects the emotional bond customers develop, leading to repeat purchases. Convenience focuses on simplifying the buying process, as many consumers seek hassle-free experiences. Consistency guarantees reliable interactions across various platforms, enhancing trust. Finally, Communication involves customized outreach, enabling brands to cater to individual preferences and gather feedback, in the end improving customer satisfaction and nurturing long-term relationships. How to Increase Customer Loyalty and Retention? To increase customer loyalty and retention, focus on implementing tiered loyalty programs that encourage higher spending for exclusive rewards. Personalize your offers based on customer preferences, which can boost satisfaction considerably. Consider subscription-based models to provide consistent value. Regularly engage with customers through feedback loops to improve their experience. What Are the 3 R’s of Customer Loyalty? The 3 R’s of customer loyalty are Retention, Revenue, and Referrals. Retention focuses on keeping your existing customers, as it’s considerably cheaper than acquiring new ones. Revenue highlights the financial value loyal customers bring, often spending much more than newcomers. Finally, Referrals leverage satisfied customers who recommend your brand to others, driving new customer acquisition at a lower cost. Together, these elements create a strong foundation for sustainable business growth. Conclusion Incorporating effective loyalty marketing programs can greatly improve customer retention. By leveraging tiered rewards, gamification, personalized incentives, and value-driven initiatives, you can create meaningful connections with your customers. Furthermore, surprise-and-delight strategies and community-focused efforts cultivate deeper brand loyalty. Each method serves to engage consumers in unique ways, ensuring they remain committed to your brand. In the end, a well-rounded loyalty strategy not only boosts retention but likewise drives long-term success in a competitive market. Image via Google Gemini This article, "7 Proven Loyalty Marketing Programs to Boost Customer Retention" was first published on Small Business Trends View the full article

In today’s competitive market, implementing effective loyalty marketing programs can greatly improve customer retention. Strategies like tiered programs reward achievements, whereas gamified experiences make interactions more engaging. Value-based initiatives appeal to socially conscious consumers, and personalized rewards cater to individual preferences. Furthermore, surprise-and-delight tactics create memorable moments. Comprehending these approaches can help you cultivate deeper brand loyalty, but the question remains: which program will best suit your business needs? Key Takeaways Implement tiered loyalty programs to enhance engagement and reward customers for their loyalty through multiple membership levels. Utilize gamified elements to boost participation with competitions, badges, and surprise rewards that enhance customer interaction. Personalize rewards based on customer data to align offers with preferences, increasing engagement and retention rates significantly. Develop value-based programs that connect with social causes, attracting customers who prioritize brands reflecting their values. Use surprise and delight strategies to create emotional connections through unexpected rewards, fostering stronger brand loyalty and advocacy. Tiered Programs That Offer Experiential Rewards Tiered programs that offer experiential rewards are intended to improve customer engagement by providing a structured pathway for loyalty. These loyalty marketing programs gamify the customer experience through multiple membership levels, motivating you to advance based on your spending or engagement. Entry-level tiers offer foundational benefits that keep you engaged, whereas higher tiers reveal exclusive perks, enhancing your loyalty and encouraging continued spending. Such programs create emotional connections, as you feel a sense of achievement when reaching higher tiers. Brands utilize tiered loyalty card marketing not just to boost retention rates but also to gather valuable data insights on your behaviors and preferences, allowing for further personalization. Successful tiered loyalty programs, like those from Delta Airlines, demonstrate how customized pricing for high-tier members promotes frequent engagement and deepens customer loyalty. Gamified Loyalty Programs for Enhanced Engagement As businesses seek to improve customer engagement, gamified loyalty programs have emerged as a strong strategy that goes beyond traditional reward systems. These programs incorporate competition elements like points, badges, and leaderboards, motivating you to engage actively rather than merely making purchases. By rewarding diverse customer actions such as profile completion and social media interaction, they transform your experience into an entertaining accomplishment. Furthermore, challenges and surprise rewards keep the experience dynamic and enjoyable, which can lead to higher customer retention rates. Studies show that incorporating game mechanics can boost participation by up to 30%. In addition, Nike that implement gamification often see improved emotional connections with customers, resulting in a significant increase in repeat purchases. Value-Based Programs That Align With a Cause Value-based loyalty programs connect your brand with social or environmental causes, making it easier for you to attract conscious consumers. By engaging in community initiatives and supporting charitable causes, you not only improve brand loyalty but additionally create a strong emotional bond with your customers. This alignment of values can lead to increased spending and long-term engagement, benefiting both your business and the causes you champion. Aligning Brand Values When brands align their loyalty programs with social or environmental causes, they tap into a significant consumer trend: about 70% of customers prefer to support companies that reflect their values and beliefs. By integrating charitable initiatives into loyalty programs, you can create a sense of community and purpose among your customers, enhancing their loyalty and advocacy. Programs that donate a percentage of sales to charity not just boost brand loyalty but additionally encourage repeat purchases, as customers feel rewarded by contributing to meaningful causes. Studies show that customers engaged with value-based programs tend to spend 20% more on average, highlighting the financial benefits of aligning your brand values with customer priorities and increasing retention rates effectively. Engaging Community Initiatives How can brands effectively engage their customers through community initiatives? By implementing value-based loyalty programs that connect with social or environmental causes, you can resonate with the 70% of consumers who prefer brands that share their values. Consider tying donation initiatives to purchases; 55% of customers are more likely to support brands that contribute to charitable causes. When you align your loyalty programs with meaningful issues, you cultivate a sense of community, increasing customer engagement and retention by up to 25%. Furthermore, customers are four times more likely to recommend brands that demonstrate social responsibility. Engaging in community-focused initiatives can greatly boost repeat purchases, as 82% of consumers want to support brands making positive societal changes. Supporting Charitable Causes Supporting charitable causes through loyalty programs not merely strengthens your brand’s relationship with customers but similarly aligns your business with the values that matter to them. Value-based loyalty programs resonate deeply, as 70% of consumers prefer brands that support their personal beliefs. By donating a percentage of sales to selected charities, you cultivate a sense of community and shared purpose. Research shows customers are willing to spend 26% more on socially responsible brands. Implementing these initiatives not just boosts customer retention but additionally drives advocacy; 90% of consumers might switch to brands that support causes they care about. In the end, integrating charitable efforts into your loyalty programs improves engagement, with 84% of consumers favoring companies that give back to society. Paid (VIP) Loyalty Programs for Premium Perks Paid loyalty programs, like VIP memberships, offer you exclusive benefits that can improve your shopping experience. By providing perks such as discounts and early access to sales, these programs encourage you to engage more with the brand and maximize your investment. As you invest in these memberships, you’ll likely notice an increase in your spending and a greater sense of belonging within the brand’s community. Exclusive Member Benefits Though many consumers appreciate the advantages of loyalty programs, exclusive member benefits offered through paid or VIP loyalty programs greatly improve the overall experience. These programs, like Amazon Prime, encourage higher spending, with 60% of members likely to spend more because of immediate perks such as free shipping. VIP memberships cultivate a sense of urgency and exclusivity, which boosts customer satisfaction. For instance, 70% of Macy’s transactions in 2021 were linked to its loyalty program. Members enjoy premium perks, including early access to sales and unique experiences, increasing perceived value and emotional connections. Brands that implement these programs often see a significant return on investment, as loyal customers are 22 times more valuable than new ones, increasing overall Customer Lifetime Value. Enhanced Engagement Strategies Many brands leverage improved engagement strategies through VIP loyalty programs to maximize customer involvement and retention. These paid programs motivate you to spend more, with 60% of consumers likely to increase their spending after joining, creating a desire for immediate value. Exclusive perks, such as free shipping, early sale access, and premium customer service, improve your experience and deepen your connection to the brand. Furthermore, tiered benefits promote customer progression, nurturing a sense of achievement that encourages loyalty. Successful examples, like Amazon Prime, demonstrate that increased membership correlates with higher spending, driving significant revenue growth. Personalized Rewards Based on Customer Data Customized rewards based on customer data have become a crucial component of effective loyalty marketing programs, as they allow brands to connect with customers on a deeper level. When you receive offers designed to your preferences, you’re more likely to engage, resulting in engagement rates increasing by up to 30%. By leveraging data-driven insights, brands can personalize rewards that align with your values, leading to a 20% increase in customer retention. Furthermore, personalization drives a 10-30% boost in overall customer satisfaction, as you feel recognized and valued. With customized rewards, brands often see a 15% uplift in spending from loyal customers, motivating you to make more purchases. Data analytics enables companies to identify specific customer segments, allowing the design of unique rewards for each group. This strategy improves long-term loyalty and advocacy, ultimately creating a more effective loyalty program that benefits both you and the brand. Surprise and Delight Unpredictable Rewards Surprise and Delight strategies have emerged as a compelling way to improve customer loyalty by providing unexpected rewards that nurture genuine emotional connections with your brand. This approach proves more effective than traditional transactional rewards, creating potent feelings of appreciation. As a result, 70% of consumers engage more with brands that surprise them positively. Here’s a quick overview of Surprise and Delight tactics: Tactic Benefits Unexpected Gifts Creates lasting positive impressions Personalized Notes Augments emotional connection Exclusive Access Cultivates a sense of belonging Random Discounts Encourages repeat purchases Implementing these strategies can lead to higher customer retention rates, as these memorable experiences encourage loyalty. Plus, highly shareable experiences can amplify your brand’s reach through word-of-mouth marketing. Community-Focused Programs and Forums Community-focused programs and forums play a crucial role in improving customer loyalty by nurturing a sense of belonging among participants. When customers engage in exclusive forums or social groups, they not only interact with each other but also build deeper connections with your brand. These platforms allow them to share experiences, provide feedback, and feel valued. By offering member-only content, such as tutorials or webinars, you add significant value, which strengthens community bonds and boosts retention rates. In addition, user-generated content campaigns encourage customer involvement and advocacy, raising your brand’s visibility. Creating dedicated spaces for customer interaction leads to increased engagement, as participants feel more aligned with your brand’s values. In the end, these community-focused initiatives drive repeat purchases, as customers who feel connected are more likely to remain loyal. By cultivating these environments, you can effectively improve loyalty and encourage ongoing patronage. Frequently Asked Questions Do Loyalty Programs Increase Customer Retention? Yes, loyalty programs do increase customer retention. When you participate in these programs, you often receive rewards, discounts, or exclusive offers that encourage repeat purchases. Research shows that loyal customers tend to spend considerably more than new ones, enhancing the overall profitability for businesses. In addition, effective loyalty initiatives can cultivate deeper connections, making you more likely to return. In the end, these programs create a win-win scenario, benefiting both customers and companies alike. What Are the 4 C’s of Customer Loyalty? The 4 C’s of customer loyalty are Commitment, Convenience, Consistency, and Communication. Commitment reflects the emotional bond customers develop, leading to repeat purchases. Convenience focuses on simplifying the buying process, as many consumers seek hassle-free experiences. Consistency guarantees reliable interactions across various platforms, enhancing trust. Finally, Communication involves customized outreach, enabling brands to cater to individual preferences and gather feedback, in the end improving customer satisfaction and nurturing long-term relationships. How to Increase Customer Loyalty and Retention? To increase customer loyalty and retention, focus on implementing tiered loyalty programs that encourage higher spending for exclusive rewards. Personalize your offers based on customer preferences, which can boost satisfaction considerably. Consider subscription-based models to provide consistent value. Regularly engage with customers through feedback loops to improve their experience. What Are the 3 R’s of Customer Loyalty? The 3 R’s of customer loyalty are Retention, Revenue, and Referrals. Retention focuses on keeping your existing customers, as it’s considerably cheaper than acquiring new ones. Revenue highlights the financial value loyal customers bring, often spending much more than newcomers. Finally, Referrals leverage satisfied customers who recommend your brand to others, driving new customer acquisition at a lower cost. Together, these elements create a strong foundation for sustainable business growth. Conclusion Incorporating effective loyalty marketing programs can greatly improve customer retention. By leveraging tiered rewards, gamification, personalized incentives, and value-driven initiatives, you can create meaningful connections with your customers. Furthermore, surprise-and-delight strategies and community-focused efforts cultivate deeper brand loyalty. Each method serves to engage consumers in unique ways, ensuring they remain committed to your brand. In the end, a well-rounded loyalty strategy not only boosts retention but likewise drives long-term success in a competitive market. Image via Google Gemini This article, "7 Proven Loyalty Marketing Programs to Boost Customer Retention" was first published on Small Business Trends View the full article

Elon Musk is merging his rocket maker SpaceX with his artificial intelligence startup xAI in a deal that changes what a future SpaceX IPO represents. After rumors surfaced last week, Musk confirmed the move Monday in a SpaceX blog post, calling the combined company “the most ambitious, vertically integrated innovation engine on (and off) Earth,” spanning AI, rockets, space-based internet, and his social media platform, X. Public records filed in Nevada and obtained by CNBC show the deal was completed February 2, with Space Exploration Technologies Corp. listed as the managing member of X.AI Holdings. Bloomberg reports that the merged company is expected to price shares in an initial public offering that could value it at $1.25 trillion. At that scale, the story is no longer just about rockets. It is about AI, and Musk’s claim that the future of compute will not be confined to Earth. A $1.25 trillion IPO that looks very different Before the deal, a SpaceX IPO would have given investors exposure to launch services, government contracts, Starlink’s satellite internet business, and Musk’s long-term Mars ambitions. Now it would also include a frontier AI company and a new thesis: AI cannot scale on terrestrial infrastructure. It must scale in orbit. SpaceX was valued at about $800 billion in a secondary share sale last year. And xAI was valued at roughly $230 billion in a $20 billion funding round earlier this year. The percentage uplift is larger for SpaceX, while xAI shareholders gain stability by being folded into one of the most profitable private aerospace companies. Reuters reported last week that SpaceX generated an estimated $8 billion in profit on $15 billion to $16 billion in revenue in 2025, citing people familiar with the results. By contrast, xAI is still burning cash as it races to build infrastructure to compete with OpenAI and Google, which remain ahead in the model race. The merger ties those two trajectories together. “It looks like Elon Musk has one window to do a big IPO, and he wants to make the most of that,” Edward Niedermeyer, author of Ludicrous: The Unvarnished Story of Tesla Motors and an auto industry analyst, told Fast Company last week. Musk’s core claim: Earth cannot power the future of AI Musk argues that AI’s reliance on power-hungry data centers is unsustainable, as rising demand strains both electrical grids and the environment. His solution is to move the problem off-planet. “Space is called ‘space’ for a reason,” he said in the blog post, arguing that there will be more room off the planet. “My estimate is that within two to three years, the lowest-cost way to generate AI compute will be in space,” Musk continued. “This cost efficiency alone will enable innovative companies to train their AI models and process data at unprecedented speeds and scales.” SpaceX has already asked the Federal Communications Commission for authorization to launch up to 1 million satellites as part of what Musk calls an orbital data center. Orbital data centers powered by the Sun The orbital data center plan would require launching 1 million tons of satellites per year. Each ton generates 100 kilowatts of compute, which equals 100 gigawatts of AI capacity added annually. Even in 2025, the most prolific year in orbital history, humanity launched only about 3,000 tons of payload into space, mostly Starlink satellites aboard Falcon rockets. The difference now is Starship. Musk envisions Starship rockets launching every hour, carrying roughly 200 tons per flight, delivering millions of tons to orbit per year. SpaceX already operates the world’s largest satellite constellation through Starlink, with more than 9,000 satellites in orbit and roughly 9 million customers. The operational lessons from Starlink form the foundation for something much larger: satellites that function as AI data centers. A familiar Musk playbook This is not the first time Musk has merged his companies to move faster. Early last year, he merged xAI with X (formerly Twitter). Now xAI is being folded into SpaceX. Tesla, the primary source of Musk’s liquid wealth, said last week that it has agreed to invest about $2 billion into xAI. The merger also pulls SpaceX into xAI’s regulatory scrutiny. Currently, xAI is facing probes in Europe, India, Australia, and California after its Grok AI tools allowed users to generate sexualized images of children and nonconsensual intimate images of adults by using photos found online. These investigations add risk to a company that is already spending heavily to catch up in the AI arms race. Folding xAI into SpaceX gives it financial cover and operational scale, but it also ties SpaceX’s future IPO to those controversies. Beyond orbit: the Moon and deep space Musk’s vision does not stop with satellites circling Earth. Starship’s ability to land heavy cargo on the moon opens the possibility of lunar manufacturing. Factories could use lunar materials to build satellites and deploy them deeper into space using electromagnetic mass drivers. Musk argues that at that scale, humanity begins to harness more of the sun’s energy. The business case is simpler. If space becomes the cheapest place to run AI compute, everything else follows. “The capabilities we unlock by making space-based data centers a reality will fund and enable self-growing bases on the moon, an entire civilization on Mars, and ultimately, expansion to the universe,” Musk wrote in the blog post. View the full article

Executives seeking regulatory relief help make lame-duck president a potent political force with record fundraisingView the full article

Rocket company and AI model builder to combine as billionaire envisions data centres in spaceView the full article

The National Consumer Law Center is claiming the Credit Data Industry Association wants to suppress Consumer Financial Protection Bureau complaint filings. View the full article

Every Monday morning, someone on your team exports data from three different systems into a spreadsheet, reconciles the conflicts, and emails it to stakeholders who need a unified view of what happened last week. Marketing runs HubSpot, sales lives in Salesforce, project management happens in Asana, engineering builds in Jira, and none of these tools talk to each other without human intervention. API integration is the category of solutions that makes this manual data shuffling unnecessary. It connects software applications so they share information automatically, keeping every system current without the spreadsheet gymnastics. For operations leaders, IT managers, and anyone responsible for how work flows across an organization, understanding what API integration means and how to evaluate it has become a prerequisite for making informed purchasing decisions. What is API integration API integration is the process of connecting two or more software applications through an intermediary translation layer so they can share data automatically without manual intervention. An API (Application Programming Interface) is a set of rules that allows one software system to communicate with another. When you log into a website using your Google account, an API handles that authentication. When a food delivery app shows your order’s location on a map, an API pulls that data from Google Maps. For developers building integrations, understanding webhooks and API development provides the foundation for real-time data exchange. API integration takes this a step further. Instead of a one-time data request, integration creates an ongoing connection between systems. When a new lead enters your CRM, that information flows automatically to your marketing platform. When a support ticket gets escalated, the relevant details appear in your development team’s project tracker without anyone copying and pasting. The distinction matters because most business software now offers APIs. Having an API available is different from having your tools actually integrated. The API is the capability. Integration is putting that capability to work. Why API integration matters for business teams The average enterprise now uses nearly 1,200 cloud applications. Each one generates data. Each one requires updates. And without integration, someone on your team becomes the human middleware responsible for keeping everything in sync. Research from Asana found that 62% of the knowledge workday goes to repetitive, mundane tasks rather than the skilled work people were hired to do. A significant portion of that time involves moving information between systems that should be talking to each other. The operational costs compound in ways that are hard to see on any single day but obvious over months: Manual data entry creates errors. When someone types the same customer information into three different systems, mistakes happen. Conflicting records, duplicate entries, and outdated information become normal. Your team spends time reconciling data instead of using it. Delayed information slows decisions. When your CRM updates don’t reach your marketing platform until someone runs a weekly sync, you’re making decisions on old data. The product manager who needs to know what engineering shipped last sprint shouldn’t have to wait for a status meeting to find out. Context switching destroys productivity. Every time someone stops their actual work to update another system, they lose focus. Research shows it takes 23 minutes and 15 seconds to regain concentration after an interruption. Multiply that by every manual update across your team, and the productivity loss becomes substantial. IT backlogs grow faster than they clear. Most integration requests end up in an IT queue behind higher-priority projects. The business team waits months for a connection that would take an integration platform hours to configure. Meanwhile, they build workarounds that become permanent. What API integration looks like in practice Abstract benefits become concrete when you see what integrated workflows actually look like. CRM to marketing automation. A new contact enters Salesforce. Within seconds, that contact appears in your marketing platform with the right tags applied based on their source, company size, and industry. When they engage with a campaign, that activity syncs back to Salesforce so sales sees the full picture. No exports, no imports, no wondering if the lists are current. Project management to development tools. A product manager prioritizes features in Asana or monday.com. Those priorities flow to Jira where engineering works. When developers update ticket status, progress reflects back in the project management view. The PM sees real-time progress without attending every standup or chasing updates through Slack. Support tickets to engineering. A customer reports a bug through Zendesk. The support agent escalates it, and a corresponding issue appears in the engineering team’s backlog with all the relevant context: customer tier, reproduction steps, screenshot attachments. When engineering resolves the issue, the support ticket updates automatically so the agent can notify the customer. Reporting without spreadsheet gymnastics. Instead of exporting data from four systems every Monday to build a dashboard in Google Sheets, the data flows automatically into your reporting tool. The dashboard updates in real-time. The three hours someone spent assembling that report become available for analysis instead of data collection. These scenarios share a common pattern: information moves between systems without human intervention, and updates flow in both directions so every system reflects current reality. The hidden cost of not integrating your tools GitLab’s 2024 DevSecOps survey found that developers use 6 to 14 tools daily, while executives believe their teams use only 2 to 5. That perception gap matters because it means leadership underestimates the friction their teams experience moving between disconnected systems. The costs show up in places that don’t always make it into efficiency reports: The spreadsheet tax. Somewhere in your organization, someone maintains a spreadsheet that exists solely to bridge two systems that don’t talk to each other. They update it manually, probably weekly, and everyone knows it’s slightly out of date by Wednesday. That spreadsheet represents both the time to maintain it and the decisions made on its inevitably stale data. The meeting overhead. When systems don’t share information automatically, people share it through meetings. The weekly sync exists because the tools won’t sync themselves. The status update meeting happens because checking status requires logging into multiple systems and piecing together a picture manually. The tribal knowledge problem. Without integrated systems, understanding what’s happening requires knowing which tool to check, who updates it, and when. New team members take months to learn these unwritten rules. Key information lives in someone’s head rather than in systems that anyone can query. The workaround debt. Every manual process your team builds to compensate for missing integration becomes harder to change later. People build their workflows around the limitation. The workaround becomes “how we do things here,” even when a better solution exists. Research estimates that context switching alone costs $450 billion annually in lost productivity globally. Your share of that cost depends on how many times per day your team stops doing their actual work to update a system that could update itself. What to look for when evaluating integration platforms Not all integration solutions solve the same problems. Understanding the differences helps you evaluate which approach fits your situation. CriteriaWhat to look forSync directionTwo-way sync vs. trigger-based automationSetup complexityNo-code visual interface vs. technical configurationField controlField-level mapping vs. all-or-nothing syncConnector depthCustom fields, attachments, comments vs. basic fields only Trigger-based automation vs. two-way sync. Most automation tools work on a trigger-action model: when something happens in System A, do something in System B. This works for simple, one-directional workflows. But when you need changes in either system to update the other, trigger-based tools require building separate automations for each direction. A single bidirectional sync might require 16 or more trigger-action combinations to replicate. Two-way sync platforms maintain an ongoing connection between records. When a field updates in either system, the change reflects in both. This distinction matters most when different teams work in different tools but need to see the same information. Setup complexity and technical requirements. Enterprise integration platforms like Workato, Boomi, and MuleSoft offer powerful capabilities but often require technical expertise to configure. Implementation timelines stretch to weeks or months. Certifications exist for a reason. No-code integration platforms let non-technical users configure connections through visual interfaces. Setup times measured in minutes rather than months mean business teams don’t have to wait in the IT queue for straightforward integrations. Field-level control. Basic integrations sync entire records or nothing. More sophisticated platforms let you control exactly which fields sync, which direction each field syncs, and which system serves as the source of truth for each piece of data. This granularity matters when different teams own different fields on the same record. Depth vs. breadth of connectors. Some platforms offer thousands of integrations but only sync basic fields. Others support fewer tools but go deeper, handling custom fields, attachments, comments, and complex relationships between records. The right choice depends on whether you need basic connections to many tools or comprehensive integration between your core systems. Platforms built for two-way sync across work management tools typically emphasize depth over breadth, with field-level mapping and bidirectional updates out of the box. When to invest in API integration Not every disconnected tool needs integration. Some workflows work fine with occasional manual updates. The question is recognizing when the friction has become expensive enough to justify investing in a solution. Signs you’ve outgrown manual processes: Your team spends more than a few hours weekly moving data between systems. Someone’s job has become maintaining the bridge between tools rather than doing the work those tools support. Decisions get delayed because the information needed lives in a system someone else controls. New hires take weeks to learn which tool has which information and who updates what. Signs integration might be overkill: The tools rarely need to share data. Updates happen infrequently enough that manual entry takes minutes per week. Only one person uses each tool, so there’s no coordination overhead. The data doesn’t need to stay in sync in real-time. The middle ground: Many teams start with simple integrations between their highest-friction tool pairs and expand from there. Connecting your CRM to your marketing platform might deliver immediate value. Syncing every system in your stack might create maintenance overhead that exceeds the benefits. A useful starting point: identify where your team spends the most time on manual data transfer. Look for the spreadsheet that everyone knows is out of date, the meeting that exists solely to share status across teams, or the Slack channel full of “can someone update this in the other system” requests. Those friction points typically offer the clearest return on integration investment. The goal is information flowing where it needs to go, when it needs to get there, without requiring your team to serve as the transport layer. When your tools talk to each other, your people can talk about what matters: the work itself, not the systems that track it. For teams where project management and development tools need to stay aligned, two-way sync for software development workflows eliminates the manual coordination that slows down delivery. View the full article

Oracle shares fell 2% Monday following the company’s announcement it planned to raise upwards to $50 billion in 2026. Funding rounds of that size are no longer unusual. The surge in AI investment and the growing need for cloud capacity and data centers have pushed many companies to seek massive financing. But Oracle’s recent run has been unusually volatile. Just a few months ago, its shares jumped 40% in a single day, briefly making CEO Larry Ellison the world’s richest person (ahead of Elon Musk). That spike came after Oracle reported a 359% increase in its remaining performance obligation (RPO, which are expected revenues based on customer commitments). That was driven by a $300 billion contract with OpenAI. Things haven’t gone so well since then, though. The stock saw a big tumble after the company reported earnings in December that fell short of analyst’s revenue expectations, the stock saw a big tumble. And Oracle shares today are well below where they stood before the spike. As of Monday, they were more than 30% lower than the mid-September level. The need to build out the infrastructure remains, though, thus the hunt for financing, which will be raised in debt and equity. Oracle, on Sunday, said it plans to use the $45 to $50 billion it hopes to raise this year to expand its cloud capacity as demand increases from customers including Nvidia, Meta, OpenAI, TikTok and xAI. While the stock was higher at times on Monday, investors began to have doubts as the day went on. In recent months, the market has become increasingly concerned about Oracle’s aggressive AI buildout plans, as well as the debt the company is taking on. That has led to the underperformance of the stock. An overreliance on OpenAI may also be a factor. While Oracle’s RPO announcement last fall gave shares a boost, a similar announcement from Microsoft last week (where RPO jumped 110% to $625 billion, with 45% of that number being a commitment from OpenAI) saw that company’s stock tumble. Like Microsoft, Oracle has significant exposure to OpenAI’s ability to delivery on its promised business. While OpenAI has been successful in its ongoing fundraising efforts, it has made $1.4 trillion in total commitments over the next eight years. That’s despite the company still not being profitable and continually hunting for additional funding (Amazon could be the next big investor, as the companies are in talks for the retailer to purchase up to a $50 billion stake. And a possible IPO looms by the end of the year.) Some analysts see Oracle’s financing plan as a way to reduce that dependence. By issuing equity and slightly diluting existing shareholders, Oracle can help fund its expansion without jeopardizing its investment-grade credit rating, a key factor for more conservative investors such as pension funds. “Oracle is not only saying they’re committed to investment-grade debt, but they are sending a clear message to bond investors and the rating ​agencies that they are,” Guggenheim analysts said in a note to investors. Oracle’s hunt for additional funding underscores just how competitive the AI field is these days. The company is racing to catch up in the cloud infrastructure field with Amazon Web Services and Microsoft. The more infrastructure-as-a-service (essentially computing power and storage it can rent out) Oracle has available, the more it can share in the cash outflow that AI companies are doling out. Whether Oracle can regain investor goodwill on an ongoing basis will likely be determined March 9, when it is next expected to report quarterly earnings. Investors will be looking for guidance about cloud capacity and AI partnerships. If revenues growth in that segment outpaces spending, Oracle could reverse the decline it has been seeing for the past several months. View the full article