Kard, a commerce media network that uses predictive AI and first-party transaction data to deliver hyperpersonalized rewards, is excited to announce its partnership with Qwik, a credit building app designed to help students — particularly international students — build credit through everyday purchases.
Unlike traditional products that can trap young people in cycles of debt, Qwik offers a secure path to building credit. The Qwik Card has no fees, no hard credit check to apply, and 100% approval. And because students can only spend what they’ve deposited, they can establish credit without going beyond their means.
Qwik also provides personalized tools designed to help users build stronger financial habits, with early data showing an average 30-point credit score increase in just three months of using the Qwik app.
With Kard, Qwik is layering in yet another perk: cash back on everyday purchases, from convenience stores, rideshare apps, and subscription products making the Qwik Card even more attractive to students navigating life in the US.
“Students shouldn’t have to choose between building credit and getting real value back on their spending. Partnering with Kard lets users shop at the stores they love while laying the groundwork for long term financial health.” - Benjamin Albert, CEO of Qwik
Kard’s API-first infrastructure gives Qwik the flexibility to roll out a wide variety of merchant-funded offers, from local promotions to category-specific deals. Since these offers are powered by first-party transaction data, Qwik can align rewards with how students are spending right now — and evolve them as those habits change over time.
“We’re thrilled to work with Qwik to show how first-party transaction data can fuel more personalized, meaningful rewards, helping students save money, build credit, and stay engaged with their financial experience,” said Ben Mackinnon, CEO of Kard.
Qwik plans to launch its Kard rewards program with a major campus-based marketing push this fall, partnering with student influencers at schools like University of California, Los Angeles, Georgia Tech, Columbia University, and University of Southern California to spotlight local cash back offers. With rewards that resonate both on and off campus, Qwik is offering a credit-building tool that feels seamlessly woven into student life.
About Qwik
Qwik is a digital app built for students and international students who want to build credit while managing their everyday finances. With no fees, no hard credit check, and guaranteed approval, Qwik provides personalized tools designed to improve students’ financial health. Qwik is headquartered in Los Angeles, California.
About Kard
Kard’s commerce media network uses first-party transaction data from tens of millions of real cardholders to power next-generation personalized rewards. Using predictive AI and actual spend patterns, Kard helps financial institutions deliver merchant-specific offers that influence how people shop. And by linking ad exposure directly to verified online and in-store purchases Kard can prove incremental impact at scale.
