Kard

Kard (operating at getkard.com) is a rewards-as-a-service platform engineered for modern financial institutions and merchants to transform customer loyalty. Founded in 2015 by Ben Mackinnon, CEO and active angel investor in fintech and adtech, and headquartered in New York City, Kard redefines how rewards programs operate by leveraging predictive AI and first-party data. Unlike traditional loyalty systems that rely on static incentives, Kard’s commerce media network delivers hyper-personalized rewards tied to real-time spending behavior, driving measurable engagement and conversion. Under the hood, its API-driven architecture integrates with card issuers and retailers, enabling seamless, card-linked offers that adapt dynamically to individual consumer preferences. This allows financial institutions to enhance customer retention, while merchants gain access to targeted advertising and promotional tools powered by granular transaction data. Though privately held, Kard’s growth reflects its strategic positioning at the intersection of fintech and commerce media.