Engage every cardholder

With our strong coverage in high-density US markets, Kard’s merchant marketplace has targeted offers for every cardholder — from gas to grocery to retail to dining. And our no-click-to-activate model drives 5x offer adoption, pushing your card to top of wallet.

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Eliminate loyalty program overhead.

Kard’s API-first loyalty rails eliminate the expense of building and maintaining in-house rewards while giving you full flexibility to design the kind of program you’ve always wanted. As cardholders make a purchase, Kard’s Matching Engine automatically maps each transaction to a potential reward so your engineers don’t have to.

Customizable templates and an intuitive UI make it easy to cater your rewards experience to every cardholder without compromising compliance or security. Kard doesn’t require any PII from your cardholders and is SOC 2 and PCI compliant. The best part? You have complete control over offer rev share.

Why Kard

Experience

Give your customers options: reward omnichannel purchases and regular banking activities.

Flexibility

Build a fully branded rewards program that works seamlessly with your existing tech stack.

Transparency

Measure ROI in real time without putting consumer data at risk.

Key Metrics

9% Increase in average transaction value

Consumers can afford to buy more when they get what they want for less.

50% Increase in unique users making a transaction

Eliminate friction with auto-enrollment and boost spending across in-store and online channels.

68% Increase in spend

Higher discounts lead to more spend.

3x Increase in % of matched rewards transactions

Ensure your consumers’ loyalty is rewarded.

Features

Loyalty rails

Seamlessly integrate your custom loyalty experience into existing mobile and web-based touchpoints.

Flexible API

Build the exact experience you envision for your customers while preserving your brand’s look and feel — in real time.

Tailored rewards

Target offers to specific cardholder segments, like first-time buyers and repeat customers, and toggle them off for the rest of your cardholder base.

Automatic

No more reward activation — encourage loyalty with a customer’s first purchase.

Layers of attribution

Leverage our impression data to understand where your best customers are shopping.

Control the experience

Kard provides an easy-to-use UI that allows you to build and interact with your rewards program without intervention.

Transform your one-dimensional reward network into a loyalty ecosystem.

Surprise and delight

Drive card usage and affinity with CLO and other banking activities, like direct deposit, paying bills, referrals, and more.

Auto-enrollment

Instantly reward consumers for their loyalty.

Omni-channel purchases

Reward consumers for their purchases regardless of where and how they shop.

Built-in security

Consider compliance, privacy, error handling, and data tracking covered.

FAQs

Ready to get started, have a question or just want to say hi? We’d love to hear from you.

What cardholder data can Kard collect?

Kard collects the card-holder’s email, unique user id OR username of user from issuer, and zipcode.

How does Kard handle REVERSED, RETURNED, REFUND transactions?

For reversed transactions that occur before settlement, Kard will not issue a reward as we only distribute rewards for settled transactions.

For returned transactions that occur after settlement, Kard will honor the reward. Kard does not reverse any reward payments once they have been paid to the Issuer for a settled transaction.

Note: Kard actively monitors incoming transactions to identify bad actors attempting to “game the system” through reversed transactions. Cardholders who make an inordinate amount of returns on rewarded transactions will be flagged and possibly removed from the rewards program. *Only relevant for issuers who are sending this data to Kard.

What’s the difference between the GET Offers and GET Eligible Offers?

The GET Offers endpoint returns baseline offers for all cardholders, while the GET Eligible Offers endpoint represents our newest product functionality, returning user-specific offers to the cardholder.

How frequently should I call Kard for offers?

The platform is designed for real-time API calls to provide the most up-to-date Offers.

How can I curate the offers available in my rewards program?

Most of our partners find that using the entire Kard ecosystem benefits their rewards program the most. Please work with your Account Manager to discuss customization options.