{"page":"/blog/card-linked-offers-explained","modified":"2026-11-10","license":"https://creativecommons.org/licenses/by/4.0/","columns":["Provider","Type","Where offers appear","Data the provider sees","Who pays, and how","Scale figure (date, source)","Status"],"rows":[["Chase Media Solutions (profile)","Issuer-owned, built on Figg (acquired 2022)","Chase app, web and email","Chase card and account transactions","Brand pays when a customer views the offer and buys","84M customers; $11.2B merchant spend driven in 2025 (chase.com, accessed 17 Oct 2026)","Live since 3 Apr 2024 (Business Wire)"],["Cardlytics (profile)","Platform inside bank channels","Partner banks' apps and online banking; named partners include Chase, Wells Fargo and American Express","Anonymised purchase data through an ad server at the bank or hosted for it (company statement)","Cost per served sale, or engagement-based cost per redemption or per transaction","FY2025 billings $385.0M (10-K FY2025); Q3 2026 MQUs 186.6M (Q3 2026)","Live; Bank of America relationship ended 16 Feb 2026 (10-K FY2025)"],["Amex Offers","Issuer and network in one (closed loop)","Amex app and website","Amex card transactions","Merchant-funded","$15B global spend in 2024 (Axios, 6 Oct 2025)","Live"],["Mastercard Commerce Media (profile)","Card network","Issuer and partner channels; point-of-sale and wallets planned","Permissioned Mastercard transaction data","n/d (managed)","25,000 advertisers, 500M enrolled consumers (company claim) (Marketing Dive, 1 Oct 2025)","Live since 1 Oct 2025"],["Visa Offers Platform and VMORC","Card network","Issuer and partner channels","Visa network data; VMORC is a read-only offer repository","n/d","n/d; documentation limited to authorised users (Visa Developer, accessed 9 Nov 2026)","Live"],["Kard (to be acquired by Citi)","Rewards API and offers network for fintechs and banks","Partner apps","Card transactions of partner cardholders","Brands pay for verified purchases (company claim)","\"47M+ cardholders\" in its network (company claim) (getkard.com, accessed 9 Nov 2026)","Citi acquisition agreed 13 Aug 2026; closing n/d"],["Fidel API","Card-linking API","Any app the developer builds","Authorisation, clearing and refund events for linked cards on Visa, Mastercard and Amex","n/d (not published)","Available in the US, UK, Ireland, Canada, Sweden and UAE; Japan in beta (Fidel API docs)","Live"],["Zilch ASPN","BNPL card with merchant-funded deals","Zilch app","Zilch card transactions","Merchants pay per sale","3M+ customers at June 2023 opening (Zilch, June 2023)","Live"]],"sourceUrls":[["https://www.chase.com/mediasolutions/home","https://www.businesswire.com/news/home/20240403664648/en/"],["https://www.sec.gov/Archives/edgar/data/1666071/000166607126000010/cdlx-20251231.htm","https://www.sec.gov/Archives/edgar/data/1666071/000162828026070992/cdlx_form8-kx2026q3xex991.htm"],["https://www.axios.com/2025/10/06/amex-ads-american-express-media"],["https://www.marketingdive.com/news/mastercard-bigger-grab-commerce-media-dollars-new-network/761568/"],["https://developer.visa.com/capabilities/vop"],["https://www.getkard.com/"],["https://docs.fidelapi.com/docs/select/"],["https://www.zilch.com/news/zilch-opens-its-revolutionary-aspn-to-third-parties-across-the-globe-advancing-a-multi-trillion-dollar-payments-and-advertising-marketplace/"]]}