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A decorated tree stands next to the portrait of President George Washington in the East Room during the 2019 Christmas preview at the White House, Monday, Dec. 2, 2019, in Washington. (AP Photo / Alex Brandon)

“It is with great joy that our family welcomes you to the White House this holiday season as we celebrate the Spirit of America,” President Donald Trump, the first lady and their son, Barron, say in the signed introduction to a souvenir book visitors will receive as a holiday keepsake.

This Sunday, Dec. 1, 2019, photo shows rewards offered through Chase bank on an iPhone in the Brooklyn borough of New York.  (AP Photo / Jenny Kane)

There’s a powerful new player watching what you buy so it can tailor product offerings for you: the bank behind your credit or debit card.