Kard

Leading card-linked offer platform provider serving financial institutions and app publishers

Kard is a card-linked offer (CLO) platform that operates in the advertising technology and financial technology space. The company provides a rewards-as-a-service infrastructure that enables banks, fintechs, and app publishers to offer personalized cash-back rewards and merchant-funded offers to their cardholders. Rather than being a direct-to-consumer banking app, Kard operates as a B2B platform that connects advertisers and merchants with financial institutions and digital platforms to deliver targeted, measurable advertising through card-linked offers. Kard's platform allows brands and merchants to run performance-based marketing campaigns where consumers receive cash-back rewards when they make purchases with their linked payment cards at participating merchants. This creates a closed-loop attribution system that enables advertisers to measure actual purchase behavior and ROI. The company serves as a bridge between the advertising ecosystem and the financial services industry, providing the technology infrastructure for card-linked marketing programs that benefit consumers, merchants, and financial institutions simultaneously.