Kard

Emerging API-first rewards-as-a-service platform targeting digital-native issuers and fintechs in the card-linked offers space

Kard is a New York-based fintech company founded in 2015 that operates a rewards-as-a-service (RaaS) platform, enabling banks, credit unions, neobanks, and other financial institutions to offer card-linked merchant rewards and cash-back offers to their cardholders. By connecting issuers with a network of merchant partners, Kard allows financial institutions to deliver personalized, merchant-funded rewards without building the infrastructure themselves. This positions Kard at the intersection of fintech, loyalty technology, and performance marketing. Kard's platform is designed to help financial institutions increase card engagement, drive transaction volume, and improve cardholder retention through relevant, data-driven offers. Merchants benefit by gaining access to highly targeted audiences at the point of purchase, paying only for measurable outcomes. This performance-based model aligns incentives across issuers, merchants, and consumers, making Kard a compelling player in the card-linked offers (CLO) space. Within the AdTech and fintech ecosystem, Kard competes with established CLO platforms and loyalty solution providers. Its API-first architecture makes it particularly attractive to digital-native financial institutions and neobanks looking to rapidly deploy rewards programs. The company has raised venture funding to grow its merchant network and expand its issuer partnerships, positioning itself as a modern alternative to legacy loyalty and rewards infrastructure.