Cardlytics describes itself as a native ad platform within banks' digital channels that provides rewards to bank customers.

“Cardlytics is a native ad platform within banks’ digital channels. We partner with top financial institutions in the US and UK to provide rewards to their customers.”

Cardholders activate offers in their banking app and the cash back is deposited automatically after they pay with their card.

“To get cash back, consumers simply click to activate their offers, then purchase later with their bank’s credit or debit card. When they purchase, the value of the offer is automatically deposited back into their bank account.”

Cardlytics, listed on Nasdaq as CDLX, describes itself as a commerce media platform powered by its publishers' first-party purchase data.

“Cardlytics (NASDAQ: CDLX) is a commerce media platform, powered by our publishers’ first-party purchase data,”

Cardlytics says it has visibility into about half of all card-based transactions in the US and a quarter in the UK.

“With visibility into approximately half of all card-based transactions in the U.S. and a quarter in the U.K.,”

Cardlytics says it works with advertisers in retail, e-commerce, restaurants, grocery, gas, travel, telecom and streaming.

“Cardlytics works with a wide variety of regional and national advertisers across retail, eCommerce, restaurant, grocery, gas, travel, telecom, and streaming services.”

For banks and publishers, Cardlytics offers a rewards program that integrates into their online, mobile and email channels.

“Our best-in-class commerce media platform integrates into the online, mobile, and email channels of top banks and publishers in the US and UK.”

The marketing solutions cover purchase-data targeting, ad delivery and closed-loop sales measurement.

“Validate: Measure true impact with closed-loop measurement of ad spend with actual transactions.”

Bank partners get personalized offers, an offer catalog, program insights and 24/7 support.

“Program Insights: Monitor success with clear insights into program performance and spending behavior”

Cardlytics works with bank processors including FIS, Fiserv, NCR and Connect FSS to reach financial institutions of all sizes.

“We partner with bank processors such as FIS, Fiserv, NCR and Connect FSS to extend our loyalty solutions to financial institutions of all sizes”

Named on the page: FIS, Fiserv, NCR, Connect FSS

Cardlytics says it is pay-for-performance, with costs based on the sales delivered.

“Cardlytics is a pay-for-performance platform. Costs are determined by the actual sales we’re able to deliver. There are no hidden fees or production costs”

Cardlytics says it was started in 2008 by former bankers.

“In 2008, our founders were bankers who understood the power of purchase data - if only it could be harnessed.”

Cardlytics names Chase, Bank of America, Wells Fargo, US Bank, Truist, PNC, Regions and Venmo among its US bank partners, plus many smaller institutions.

“In the US, these include Chase, Bank of America, Wells Fargo, US Bank, Truist, PNC, Regions and Venmo, as well as many smaller financial institutions”

Named on the page: Chase, Bank of America, Wells Fargo, US Bank, Truist, PNC, Regions, Venmo

In the UK, Cardlytics names Lloyds Bank, Bank of Scotland, Halifax, Curve, MBNA and Monzo as partners.

“In the UK, these include Lloyds Bank, Bank of Scotland, Halifax, Curve, MBNA and Monzo”

Named on the page: Lloyds Bank, Bank of Scotland, Halifax, Curve, MBNA, Monzo

Cardlytics offers appear under bank program names such as Chase Offers, BankAmeriDeals, My Wells Fargo Deals, PNC Purchase Payback and Regions Cashback Rewards.

“Cardlytics offers can be found through the following programs at some of our larger bank partners:”

Named on the page: Chase Offers, BankAmeriDeals, My Wells Fargo Deals, PNC Purchase Payback, Regions Cashback Rewards, Lloyd’s Everyday Offers, Bank of Scotland Everyday Offers, Halifax Cashback Extras, Monzo Offers

Cardlytics says it does not receive personally identifiable information from its bank partners.

“No, Cardlytics does not receive or have access to any PII from our financial institution partners.”