Commenting on the findings, Defaqto's principal banking consultant David Black said there was a "clear incentive" for customers to switch to new cards regularly.
He added: "The credit card industry is geared to routinely rewarding customer disloyalty for the creditworthy and there seems to be little evidence of this changing.
"One area where credit card loyalty can be engendered is a rich reward scheme partnership with a national retailer or service provider whereby discounts are earned towards future high value purchases."
Defaqto's latest research has come days after it claimed that cash back credit cards can offer genuine returns to UK consumers.
The company found that while the complexity of owning the card type has increased, a huge number of incentives are now on offer.
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