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.
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.
Give your customers options: reward omnichannel purchases and regular banking activities.
Build a fully branded rewards program that works seamlessly with your existing tech stack.
Measure ROI in real time without putting consumer data at risk.
Consumers can afford to buy more when they get what they want for less.
Eliminate friction with auto-enrollment and boost spending across in-store and online channels.
Higher discounts lead to more spend.
Ensure your consumers’ loyalty is rewarded.
Seamlessly integrate your custom loyalty experience into existing mobile and web-based touchpoints.
Build the exact experience you envision for your customers while preserving your brand’s look and feel — in real time.
Target offers to specific cardholder segments, like first-time buyers and repeat customers, and toggle them off for the rest of your cardholder base.
No more reward activation — encourage loyalty with a customer’s first purchase.
Leverage our impression data to understand where your best customers are shopping.
Kard provides an easy-to-use UI that allows you to build and interact with your rewards program without intervention.
Ready to get started, have a question or just want to say hi? We’d love to hear from you.
Kard collects the card-holder’s email, unique user id OR username of user from issuer, and zipcode.
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.
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.
The platform is designed for real-time API calls to provide the most up-to-date Offers.
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.