Cracking the Code on Credit Card Bonuses

Posted on August 07, 2026

Lez Trujillo Torres featured on WalletHub

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Lez Trujillo Torres, Assistant Professor of Marketing, UIC Business

Lez Trujillo Torres, Assistant Professor of Marketing, offers expert insight into the psychology and economics behind credit card sign-up bonuses. From how companies calculate the risk and reward of big incentives to why limited-time offers create such a strong pull for consumers, Trujillo Torres unpacks the strategy and the human behavior driving one of the credit card industry’s most popular marketing tools.

Modified on August 07, 2026