AI names Chase most in credit cards, 1 points clear

When buyers ask AI assistants questions like “What are the best credit card options to consider?” or “Best affordable travel rewards credit cards under $100 annual fee?”, a small set of credit cardsget cited every time. Most don't. This report measures which.

Who AI cites most

Chase is cited in 75 of 100 prompt-engine pairs (75%). 95% confidence interval 68-84.

Concentration

The top 3 brands (Chase, American Express, Chase Sapphire) capture 62% of all citations in this segment. 14 of 20 tracked brands are cited in fewer than 1 in 10 prompt-engine pairs.

Where the field sits

Of 20 brands tested: 2 in default-choice, 2 in repeat-use, 2 in first-encounter, 14 not yet cited. Overall, AI cites a brand from this segment in 17% of buyer-intent prompt-engine pairs.

Engine asymmetry

Chase Sapphire is cited in 98% of ChatGPT prompts but only 0% on Claude, visibility is engine-specific, not universal.

Phase flip

American Express actually outperforms Chase on Comparison prompts, overall Panel Score hides this category-specific strength.

Notable absence

Comenity Capital Bank is not yet cited, 0 prompts across all 100 prompt-engine pairs. A recognizable brand AI is not yet surfacing.

Average Panel Score across the segment is 18.

Analyst note. Chase and American Express lead with Panel Scores of 77 and 76, while 14 brands remain invisible.

Chase and American Express are neck and neck, with Panel Scores of 77 and 76, respectively. Chase excels on ChatGPT and Gemini but falters on Claude with just 15. American Express shows strength on Claude with a 93 but lags on Perplexity at 48. The field is starkly divided, with only two brands in the leader tier and 14 brands completely invisible. Chase Sapphire and Capital One hold foothold positions, but their scores are far below the leaders.

Risk. Chase's weak performance on Claude (15) presents a vulnerability that competitors could exploit.

Ranked by Panel Score, a 0 to 100 score that weights four buying phases: Discovery, Filtered Discovery, Comparison and Evaluation. Citations count fully and mentions count at half weight; engines are weighted equally. Spread is the gap between a brand's best and worst engine: under 15pp is durable, 50pp and up is engine-dependent. Engine columns count the prompts (out of 20) where that engine cited the brand as a recommendation.

Default choice (75+)

AI's go-to recommendation in credit cards. The tier other brands are competing into.

Repeat use (50 to 74)

Cited often enough to feel reliably present across prompts and engines. One signal away from default.

First encounter (25 to 49)

Discovered and cited occasionally, but visibility is inconsistent. Real to AI, not yet trusted.

Not yet cited (0 to 24)

AI does not surface this brand for buyer-intent prompts in credit cards.

How often each engine cites a brand from this category as a recommendation, averaged across all 20 brands tested. Perplexity and Grok search the live web; ChatGPT and Claude lean more on trained knowledge; Gemini blends both.

Citation rate by buying phase, averaged across all brands tested.

Each cell is the brand's citation rate for that phase, shaded darker as the rate rises. A solid dark row is a durable brand: AI cites it across the whole funnel. Dark on the left and pale on the right is awareness without recommendation, the demand-leak pattern. Pale on the left and dark on the right is a brand AI weighs in Comparison and Evaluation but does not surface in Discovery.

Derived metrics computed from the same data, showing how this segment behaves on AI search. The State of AI Search compares them across segments.

Aggregated across every brand, prompt and engine combination tested. These are the names AI surfaces when buyers ask about credit cards.

Ranked by mention count and engine breadth. These are panel candidates: brands AI treats as part of the category even though we are not measuring them yet. Open a row to read the AI quote that surfaced it.

The Panel Score is calibrated to a generic shopping-assistant prompt. Buyers don't arrive generically. We re-ran the same 20 canonical prompts five more times, each with a different buyer-persona signal in the system prompt: budget-conscious, premium, working professional, first-time, values-driven.

We re-ran the same 20 canonical prompts under eight demographic system-prompt variants: gender (men, women) crossed with generation (Gen Z 18-29, Millennial 30-45, Gen X 46-61, Boomer 62+). Age ranges follow Pew Research boundaries. The system prompt names the age range only; the labels here are descriptive.

Each is a category-specific decision drawn from this month's data, with the mapou service that puts it into practice.

1. Concentration risk

   In credit cards, AI effectively recommends 6.3 of 20 tracked brands. The top brand captures 21% of citations. The next 2 capture another 21%. Visibility is concentrated but not winner-takes-all.

   How mapou helps: GEO & Citation Architecture restructures your entity data so you can break into the top set.

2. Engines split

   Engines disagree on the credit cards leaderboard. Mean cross-engine agreement is only 0.68 (1.0 = perfect agreement, 0 = independent). Optimizing for ChatGPT will not necessarily improve your Claude or Gemini visibility. You need engine-specific strategy.

   How mapou helps: AI Visibility Audit maps your position separately on each of the 5 engines.

3. Persona-volatile category

   Credit cards rankings shift meaningfully by buyer persona. Chase is the baseline #1 brand, but loses the top spot under at least one buyer signal (budget, premium, professional, first-time, values-driven). Top-3 overlap with baseline is only 80% across personas. Your baseline visibility number is incomplete.

   How mapou helps: Persona-Tuned Panel Score computes the visibility number for your actual buyer mix.

4. Visibility tier mix

   In credit cards, 2 of 20 tracked brands clear Panel Score 75 (default-choice tier). 14 are below Panel Score 25 (not yet cited). The strategy differs at each tier. If you are below 25, you need foundational visibility infrastructure before tactical optimization.

   How mapou helps: AI Visibility Audit identifies your tier; GEO & Citation Architecture moves you up.

The 20 canonical prompts span the four Panel Score phases (Discovery, Filtered Discovery, Comparison, Evaluation). The set is fixed at methodology v1.0 and reused every monthly run, so Panel Score changes are paired comparisons, not noise.

The exact prompt templates and phase-weighting formula are part of mapou's proprietary methodology, shared with paying clients alongside custom benchmarks for their brand. See the framework.