Marketing at thePoint of Transaction
Card-linked offers connect merchant promotions directly to payment cards, enabling automatic rewards without codes, coupons, or friction—and with transaction-level attribution accuracy.
What Are Card-Linked Offers?
Card-linked offers (CLO) are merchant promotions—typically cashback or rewards—that are tied directly to a customer's payment card.
Unlike traditional coupons or promo codes, card-linked offers activate automatically when the customer makes a qualifying purchase with their linked card. No code entry, no app switching, no friction.
For merchants, this means access to high-value bank customers with transaction-level attribution. For banks, it is a monetisation opportunity that adds genuine value for cardholders.
Merchants
Fund offers to acquire new customers and drive incremental revenue
Banks
Distribute offers through trusted channels and monetise engagement
Customers
Get automatic rewards with no extra steps at checkout
Furthr
Measures true incremental impact across all parties
How Card-Linked Offers Work
Customer links card
One-time opt-in through banking app or partner platform
Offers are presented
Relevant offers appear based on preferences and behavior
Customer makes purchase
Uses linked card at participating merchant
Reward is applied
Cashback or reward credited automatically to account
Why Card-Linked Offers Matter
Seamless Activation
Customers link their card once. Rewards are applied automatically at checkout—no codes, no apps, no friction.
True Incrementality
Unlike coupon sites or affiliate programs, card-linked offers reach engaged bank customers and measure real uplift.
Verified Transactions
Attribution is based on actual card transactions, not cookies or self-reported data. Finance-grade accuracy.
High-Quality Audience
Access cardholders who trust their bank's recommendations: a fundamentally different audience from deal seekers.
Card-Linked Offers — Common Questions
What are card-linked offers?
Card-linked offers (CLO) are merchant promotions—typically cashback or rewards—tied directly to a customer's payment card. When a qualifying purchase is made with the linked card, the reward is applied automatically. No promo codes, no app switching, no friction.
How do card-linked offers work?
A customer links their card once through a banking app or partner platform. When they shop at a participating merchant, the CLO platform detects the transaction in real time and credits the reward automatically. Furthr connects merchants to Visa, Mastercard, and Amex CLO networks through a single integration.
What is the difference between CLO and affiliate marketing?
Affiliate marketing relies on clicks and last-touch attribution, often rewarding customers who would have purchased anyway. Card-linked offers are tied to actual payment transactions, enabling true incrementality measurement and eliminating the risk of paying for correlated—rather than caused—sales.
How are card-linked offer results measured?
CLO attribution uses real card transaction data—not cookies or self-reported figures. Furthr measures true incremental revenue by comparing offer-exposed customers against a statistically matched control group, so merchants only pay for genuine uplift.
Which payment networks does Furthr support?
Furthr supports Visa, Mastercard, and American Express CLO-enabled networks through a single merchant integration, removing the need for separate contracts with each network.
Who benefits from card-linked offers?
Merchants gain a new channel to acquire customers and measure real ROI. Banks monetise their cardholder data and add genuine value for customers. Cardholders receive automatic cashback rewards with zero extra steps at checkout.
Power Your Card-Linked Offers with Furthr
Furthr provides the infrastructure for card-linked offers with true incremental measurement—so you know exactly what's working.