Financial Services / Payments Tech
Best Card-Linked Programs Companies
What is Card-Linked Programs?
The card-linked programs market allows card issuers to integrate merchant rewards into their card programs, incentivizing consumers to use their products. Card-linked programs typically involve the use of a payment card or account linked to a loyalty program or offer, which automatically applies discounts or rewards at the point of sale. Additionally, this market enables merchants to drive strong return on ad spend and guaranteed incrementality from their marketing budget while also providing insights into customer behavior. Overall, the card-linked programs market offers a unique and customizable experience that drives top-of-wallet behavior and increases total card spend and frequency for customers.
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Top Card-Linked Programs Companies

Drop provides a mobile application to earn rewards and points on their expenses through banking cards. It allows users to link credit and debit cards to the application and earn points for spending. It primarily serves the e-commerce industry. The company was founded in 2015 and is based in Toronto, Canada.

Modo is a payment platform to simplify payments for complex organizations. It allows global enterprise sellers to control and manage money and data flows, commerce propositions, and more. It was founded in 2010 and is based in Plano, Texas.
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CRED operates as a financial technology company. It offers rewards to users for timely credit card bill payments and allows credit card users to manage multiple cards along with an analysis of their credit score. The company was founded in 2018 and is based in Bengaluru, India.
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All Companies in Card-Linked Programs

Bink provides a seamless way for consumers to interact with their favorite loyalty programs. It connects the users' payment cards to loyalty programs and allows retailers to automatically provide rewards through the platform. It was founded in 2014 and is based in Ascot, U.K.
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Concerto is a next-generation fintech company that operates in the financial services industry. The company's primary service is the creation and management of customized credit card programs, designed to enhance customer engagement and loyalty. Concerto primarily serves corporate partners, with a focus on creating credit card programs that appeal to both consumers and small businesses. It was founded in 2020 and is based in Austin, Texas.
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HMBradley develops a digital banking platform designed to automate and simplify the processes associated with the traditional style of physical banking. It combines both checking and savings features into a single, digital bank account, where it pays out an APY depending on the percentage of a customer's direct deposits that are saved each quarter. It was formerly known as Halleman Bradley. The company was founded in 2018 and is based in Santa Monica, California.
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Joko provides a mobile application for payment services. It allows customers to automatically accumulate reward points to their credit card, which uses after connecting the application to the bank. It was founded in 2018 and is based in Paris, France.
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Kard is a rewards application programming interface (API) platform. It notifies users of the best savings opportunities for all of their purchases, both online and in-store. It was founded in 2015 and is based in New York, New York.
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Leal is a loyalty program that allows businesses to digitally identify, retain and reward their best clients. The company was founded in 2016 and is based in Bogota, Colombia.
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Our Methodology
The ESP matrix leverages data and analyst insight to identify and rank leading private-market companies in a given technology landscape.
What is Card-Linked Programs?
The card-linked programs market allows card issuers to integrate merchant rewards into their card programs, incentivizing consumers to use their products. Card-linked programs typically involve the use of a payment card or account linked to a loyalty program or offer, which automatically applies discounts or rewards at the point of sale. Additionally, this market enables merchants to drive strong return on ad spend and guaranteed incrementality from their marketing budget while also providing insights into customer behavior. Overall, the card-linked programs market offers a unique and customizable experience that drives top-of-wallet behavior and increases total card spend and frequency for customers.
Expert Collections
Market Map
Similar Markets
Do you compete within Card-Linked Programs?
Reach more buyers.
Your future customers are researching their next tech solution on CB Insights. Make sure they can find you.