Kard

Kard is a New York-based commerce media network and rewards infrastructure platform founded in 2015 by Ben Mackinnon. The platform helps banks, fintechs, and card issuers build merchant-funded rewards programs using predictive AI and first-party spend data to deliver personalized, card-linked offers that drive consumer loyalty and engagement. Kard's API-first architecture allows financial institutions to design custom rewards experiences, while connecting them to a demand network of merchants seeking to reach high-value customers.