Matthew Goldman, a credit card expert and publisher of Cards for the Win, joins Todd Pollak, CRO at Marqeta, to unpack the evolving landscape of credit in 2025. They discuss the challenges of differentiation in a saturated credit card market and explore shifting consumer behaviors and preferences. The duo highlights the role of fintech in innovating credit solutions, emphasizing user-friendly integration into daily life. They dive into loyalty rewards, the importance of convenience, and question the true value of credit cards beyond the money.