# Amazon, McDonald's, Costco lead Q2 2026 card data with structural lock-in, not points *Repeat-purchase winners engineered switching costs into the product itself, according to transaction analysis.* By **Jenny Huang Goodman MPA MSc MHSA, Principal** — The Stash Edge, Hako Shikin LLC. Published 2026-08-15. Canonical: https://www.pops4.com/stash/articles/amazon-mcdonalds-costco-2026-08-15t06-6 Subject: Amazon, McDonald's, Costco Tags: subscription, retention, behavioral-design, lock-in, repeat-purchase --- Amazon, McDonald's, and Costco topped Q2 2026 repeat-purchase rankings in card-transaction data, according to a Brand Loyalty Tracker analysis published by MSN. The study distinguished repeat behavior from program engagement and found the leaders shared a pattern: each embedded structural friction into daily workflow, making defection inconvenient regardless of competitor pricing or reward points. Amazon anchors through Prime subscription inertia and one-click defaults. McDonald's wins on app-based ordering and pre-paid balances that sit in-app, unused but psychologically claimed. Costco gates access behind annual membership and designs packaging at case-pack scale, reinforcing repeat trips. According to the analysis, none of the three won on point generosity or status tiers. They won because switching required effort. The mechanism is behavioral lock-in disguised as convenience. Prime members reorder from Amazon not because they love Amazon but because the saved payment method and delivery address live there. McDonald's app users return because breakfast is pre-loaded and they know the tap sequence. Costco members buy bulk and schedule their pantry calendar around the warehouse visit. The Brand Loyalty Tracker study notes that these brands do not rely on promotional campaigns to retain customers. They rely on inertia, default settings, and sunk cost. A small physical-product brand can engineer the same friction without a billion-dollar app budget. The play is subscription with purpose-built packaging, autoship defaults, and friction on cancellation. Start with a consumable that depletes on a calendar: coffee, protein powder, grooming supplies, or pet treats. Offer a 15 percent discount for subscribe-and-save, but design the cadence around realistic depletion, not aspirational use. Ship in packaging that reminds the customer of remaining quantity. Include a tear-off card with the next ship date printed and a QR code to modify timing, not cancel. Place the cancel button two clicks deeper than the skip-shipment button. Add structural value that compounds with tenure. Insert a loyalty grid card in shipment two: nine squares, one stamp per order, tenth shipment unlocks a bonus SKU. The grid lives in the box, not the app. It is physical, visible, and discarded only with intent. Charge shipping on one-time orders but waive it for subscribers. Name the subscription tier something owned, not rented: not Gold Member but Founding Supply or Inner Circle. Send anniversary packaging at month twelve with a founder note and a SKU sample unavailable to non-subscribers. The customer now has switching cost in the form of lost progress, lost shipping waiver, and lost access. Run this on Shopify subscriptions or ReCharge. Set default notification to seven days before ship, with a one-click delay button and a two-click cancel path. Track repeat rate monthly. If repeat rate drops below 70 percent after month three, tighten the depletion estimate or add a mid-cycle engagement: a recipe card, a use-case tip, or a referral incentive with credit applied to the next box. The goal is not to trap the customer. The goal is to make continued purchase the path of least resistance, the same way Prime makes Amazon the default and Costco makes bulk the calendar. The Brand Loyalty Tracker study confirms what transaction data shows and surveys miss: loyalty is not an emotion. It is a series of small decisions, and the brand that removes decision points wins the repeat. ## The takeaway Structural lock-in beats points. Make continued purchase easier than switching. --- ## Publisher **Hako Shikin LLC** — Virginia Beach, Virginia. Founded 1997. ASI 217876 · DUNS 18-204-6339. Principal and author: **Jenny Huang Goodman MPA MSc MHSA**. - Author: https://www.huanggoodman.com/about - LLM context: https://www.pops4.com/stash/llms.txt - MCP endpoint, for AI agents: https://mcp.pops4.com/mcp - Client dashboard: https://dashboard.pops4.com/ - Catalogue: 70,000+ products, 200+ brands