Move over, airlines, there’s a new leader when it comes to customer-loyalty programs.

Credit card companies, armed with an array of member points and perks, have overtaken airlines and their frequent-flier programs for the number of participants, according to a recent survey.

Of 500 people polled, 27 percent said they belonged to a credit card issuer’s loyalty program, followed by 19 percent loyal to an airline. Restaurants had 16 percent.

When asked why, more than half (54 percent) said rewards for products were the main reason they joined, with 49 percent calling discounts the prime motivation to sign up.