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Insight of the Day: Survey shows generational and gender differences in how Americans vacation


  • 76% of Americans plan to travel in the next 12 months, with 56% opting for air travel.

  • Travel patterns vary by gender and generation:

  • Women are more likely to travel for personal reasons, while men are more likely to travel for business.

  • Gen X and baby boomers are more likely to travel for personal reasons than Gen Z and millennials.

  • Gen Z and millennials are more likely to travel internationally.

  • 67% of Americans have a rewards credit card.

  • Gen Z and millennials are more likely to use rewards for travel.

  • 40% of rewards cardholders are unsure when to use or save rewards.

  • 80% prefer to accumulate rewards before using them.

  • 81% of rewards cardholders planning summer travel will use rewards for hotels, cash back, airfare, dining, entertainment, car rentals, or other travel-related expenses.

  • Boomers are less likely than millennials and Gen Xers to use rewards for summer travel.

  • Women are more likely to use rewards for cash back, while men are more likely to use them for travel expenses.

  • 45% of rewards cardholders opened a card specifically for travel rewards.

  • 46% of rewards cardholders agree their card inspires them to travel more.

Key takeaway:

Travel behaviors and rewards card usage vary significantly across generations and genders. Understanding these differences can help travel and financial service providers tailor their offerings to specific demographics.


The survey highlights a growing trend of using credit card rewards for travel, particularly among younger generations. This suggests a potential shift in how consumers finance and prioritize travel experiences.


The survey results indicate a strong desire for travel among Americans, with a significant portion planning to use credit card rewards to fund their trips. There's also a generational divide in travel habits and rewards usage, with younger generations more likely to travel for business and internationally, and more inclined to use rewards for travel expenses.

Implications for Brands:

  • Travel providers: Tailor marketing and promotions to target specific demographics based on their travel preferences and rewards usage.

  • Credit card companies: Develop rewards programs that cater to the diverse needs and interests of different generations and genders.

  • Financial institutions: Educate consumers on how to maximize the value of their rewards and offer personalized guidance on redemption options.

  • All brands: Recognize the growing importance of travel rewards in consumer decision-making and leverage this trend to enhance customer loyalty and engagement.


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