Sixty-three percent of U.S. credit/debit cardholders who use coupons say they most frequently present coupons from newspapers, mailings and other paper products. Other findings include:

• Entering a discount code online is a distant second (17 percent), followed by presenting a coupon or discount code on one's phone (15 percent).

• 85 percent of Americans use coupons (24 percent often, 29 percent sometimes and 32 percent occasionally).

• Paper coupon usage decreases with income and increases with age, but even 18- to 24-year-olds are using paper coupons about twice as much as any other method.

"Dead trees aren't dead when it comes to coupons," said Matt Schulz, CreditCards.com's senior industry analyst. "Plenty of Americans are still opening their snail mail and reading the Sunday paper. I expect paper coupons to lose some market share, though, as consumers and brands get even more comfortable using them electronically."

In fact, 42 percent of credit/debit cardholders would prefer to have discounts automatically applied to their payment cards, the CreditCards.com survey found. Twenty-nine percent aren't sure and only 27 percent are opposed. American Express, Discover and Bank of America are among those offering these so-called card-linked offers.

"With the holiday travel and shopping seasons upon us, consumers shouldn't ignore these opportunities to save money and earn more rewards," Schulz added. "These can be great benefits people don't even know they have."

More information is available from the CreditCards.com web site.

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