Overview

Cardlytics is an advertising and data-centric platform that operates in bank and brand channels. Built on the insights of transactions and the aggregation of data, the platform works by helping publishers serve a wide range of Advertisements (Ads) for Merchant Offers. The Ads are primarily offers from merchants that deliver cash back to bank or brand customers.

Merchants benefit from rich customer insights, new monetization opportunities, and measurable marketing outcomes that drive growth.

The platform is based on a virtuous cycle of data, insights, and rewarding experiences for all participants.

Value Proposition

Our platform provides you with an end-to-end rewards solution and handles everything from facilitating offer discovery to rewarding your customers.

We provide Cardlytics' developers with supporting tools that include a standard billing and reporting suite, as well as marketing playbooks, and dedicated account servicing.

As a Cardlytics developer, you can take advantage of our integration solutions and increase card value by leveraging our rewards program.

Benefits

Both Financial Institution (FI) Publishers and non-FI Publishers (Brands) can fully leverage the Cardlytics Offers Platform, enjoying a robust set of benefits designed to maximize engagement, security, and value for both publishers and their customers:

• Logged-in, Deterministic Audiences:
  All offers are presented exclusively to authenticated users who are logged into their bank or publisher accounts. This ensures that every impression and activation is tied to a verified individual, eliminating guesswork and providing advertisers with highly accurate, deterministic targeting.

• Brand-Safe Environment:
  The Cardlytics Offers Platform operates within trusted digital banking and publisher channels, ensuring that financial institutions and brands are showcased in environments that prioritize security, professionalism, and consumer trust. This minimizes the risk of negative brand associations and maximizes advertiser confidence.

• Fraud-Free, No Bots:
  Transactions and offer activations are validated directly through secure bank or publisher systems, guaranteeing that all engagement is genuine. The closed ecosystem prevents fraudulent activity, click farms, and bot-driven interactions, ensuring that marketing spend delivers real, measurable results.

• Customer Privacy with No Shared PII:
  Cardlytics is committed to protecting customer privacy. Personally Identifiable Information (PII) is never shared with advertisers or third parties. All data is anonymized and aggregated, ensuring compliance with privacy regulations while still enabling personalized marketing.

• Highest Value Rewards in the Industry:
  The platform negotiates and delivers some of the most attractive and compelling rewards available, driving significant value for end users and enhancing customer loyalty for publishers and financial institutions.

• Personalized Offers Based on Customer Shopping History:
  Offers are dynamically tailored to each user’s unique transaction history and spending patterns, resulting in highly relevant and engaging rewards that drive higher activation and redemption rates.

• Standardized Creative Assets:
  Advertisers and publishers benefit from a library of standardized creative templates and assets, ensuring that offers are visually appealing, consistent, and optimized for display across all channels and devices.

• Customer Intent Shown Through Activations:
  The platform provides clear, measurable signals of customer intent, as users actively engage with and activate offers. This data provides valuable insights for advertisers and helps refine future targeting strategies.

• Flexible Redemption Options (In-Store, Online, and at Pump):
  Customers enjoy the convenience of redeeming offers wherever they shop-whether in physical retail locations, online stores, or even at the gas pump. This omnichannel approach maximizes offer accessibility and customer satisfaction.

By providing these comprehensive benefits, the Cardlytics Offers Platform empowers both FI and non-FI publishers to deliver industry-leading rewards experiences that drive engagement, loyalty, and measurable business outcomes.

Integrations Options