Ascenda and Cardless Partner to Transform U.S. Co-Brand Credit Card Market

Ascenda, a leader in loyalty as a service, has announced a strategic partnership with Cardless, a digital-first credit card platform, to revolutionize the co-branded credit card and loyalty landscape for U.S. merchants. This innovative collaboration aims to bring together the strengths of both entities, ultimately creating unique co-brand card products while simultaneously enhancing customer loyalty engagement. Ascenda’s global engagement ecosystem plays a critical role in this partnership by facilitating connections between merchants and financial institutions, which drives customer acquisition, engagement, and long-term retention.

The integration of Cardless’ digital-first issuing platform into Ascenda’s services allows their partners to quickly and efficiently launch card programs designed to achieve a strong top-of-wallet effect. This strategic alignment utilizes data-driven insights to boost customer engagement, making the co-branded card offerings more compelling for consumers. Josh Berwitz, Chief Commercial Officer at Ascenda, emphasized that the partnership offers brands more engaging digital solutions for embedded card programs and improved customer value propositions. He insists that this collaboration sets a new market benchmark for consumer engagement by merging superior rewards content with a seamless loyalty experience.

Michael Spelfogel, Co-Founder and President of Cardless, echoed Berwitz’s sentiments and highlighted the partnership’s ability to simplify and expedite the launch of unique card programs. Spelfogel noted that this collaboration expands substantial loyalty opportunities for merchants, enabling them to engage their entire customer base effectively. He further stated that this partnership redefines customer engagement and co-brand programs, leading to the development of propositions that deliver both immediate and lasting value for merchants and their customers.

The advanced capabilities offered by the Ascenda-Cardless partnership are already available to merchants, providing a complete solution to integrate co-brand card issuance with broader loyalty initiatives. This comprehensive integration aims to enhance customer lifetime value and achieve superior business outcomes for participating merchants. The success of this alliance demonstrates its potential to significantly shift the dynamics in the co-branded credit card and loyalty market, with a particular focus on seamless integration and enhanced customer engagement.

In summary, the partnership between Ascenda and Cardless signifies a major advancement in the U.S. co-branded credit card and loyalty landscape. Combining the technological strengths and expertise of both companies results in a unique offering that aims to drive stronger customer engagement and deliver substantial business results. This alliance represents a unified approach to elevating the value proposition for merchants and their customers through superior rewards and loyalty experiences.

Explore more

Is Your CX Ready for the Personalization Reset?

Companies worldwide have invested billions into sophisticated AI to master personalization, yet a fundamental disconnect is growing between their digital efforts and the customers they aim to serve. The promise was a seamless, intuitive future where brands anticipated every need. The reality, for many consumers, is an overwhelming barrage of alerts, recommendations, and interruptions that feel more intrusive than helpful.

Mastercard and TerraPay Unlock Global Wallet Payments

The familiar tap of a digital wallet at a local cafe is now poised to echo across international borders, fundamentally reshaping the landscape of global commerce for millions of users worldwide. For years, the convenience of mobile payments has been largely confined by geography, with local apps and services hitting an invisible wall at the national border. A groundbreaking partnership

Trend Analysis: Global Payment Interoperability

The global digital economy moves at the speed of light, yet the financial systems underpinning it often crawl at a pace dictated by borders and incompatible technologies. In an increasingly connected world, this fragmentation presents a significant hurdle, creating friction for consumers and businesses alike. The critical need for seamless, secure, and universally accepted payment methods has ignited a powerful

What Does It Take to Ace a Data Modeling Interview?

Navigating the high-stakes environment of a data modeling interview requires much more than a simple recitation of technical definitions; it demands a demonstrated ability to think strategically about how data structures serve business objectives. The most sought-after candidates are those who can eloquently articulate the trade-offs inherent in every design decision, moving beyond the “what” to explain the critical “why.”

Gartner Reveals HR’s Top Challenges for 2026

Navigating the AI-Driven Future: A New Era for Human Resources The world of work is at a critical inflection point, caught between the dual pressures of rapid AI integration and a fragile global economy. For Human Resources leaders, this isn’t just another cycle of change; it’s a fundamental reshaping of the talent landscape. A recent forecast outlines the four most