The first independent commerce media network

Kard uses predictive AI and first-party transaction data from millions of Gen Z and Millennial shoppers to power hyperpersonalized offers that scale customer acquisition.

\
For marketers](/content/marketers/index.html) \
For fintechs & FIs](/content/issuers/index.html)

.png)

Marketers

Reach the shoppers you already know have high intent — and only pay for performance.

Fintechs & FIs

Compete with the biggest banks and loyalty programs with personalized offers that drive measurable spend and engagement.

COMMERCE MEDIA NETWORK

We’ve got receipts

Driving value for our partners, customers, and the end consumer.

Issuers
15% of previously inactive cardholders re-engaged after a rewarded transaction

marketers
$10:1 Topline ROAS, with 40% more repeat purchases

Consumers
25K+ Effortless earning at tens of thousands of locations in the US

Why Kard

Built on what consumers actually buy, and designed to prove what works.

marketer

Reach

Win over the 47M+ cardholders in our network and expand your share of wallet.

Fintechs & FI's

Flexibility

Design your loyalty program your way — without the overhead.

Kard

Security

Build confidence into your loyalty program with Kard’s PCI-Compliant, SOC 2-certified platform.

.png)

How our network works

Performance marketing made simple.

1

Set up a Kard campaign

Use first-party transaction data to target new, existing, or lapsed customers with offers they can’t refuse. Serve up location-based offers, category discounts, tiered benefits, or spending challenges while preserving your brand identity at every touchpoint.

2

Launch your offer

Decide how and when to alert customers about new deals and expiring offers through personalized push notifications and emails. Our API-first platform ensures the right message reaches the right user when they’re in a spending mindset.

3

Only pay for performance

When consumers make a purchase, we track that transaction and link it directly back to your offer. Measure true incrementality and ROAS — and only pay for verified purchases (not impressions).

4

Do more of what works

Use tiered or unlimited offers to drive repeat purchases. See where else your customers shop to forge new partnerships. And use A/B test messaging and AI-driven insights to adjust offers in real time.