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

Trend Analysis: Agentic AI in Data Engineering

The modern enterprise is drowning in a deluge of data yet simultaneously thirsting for actionable insights, a paradox born from the persistent bottleneck of manual and time-consuming data preparation. As organizations accumulate vast digital reserves, the human-led processes required to clean, structure, and ready this data for analysis have become a significant drag on innovation. Into this challenging landscape emerges

Why Does AI Unite Marketing and Data Engineering?

The organizational chart of a modern company often tells a story of separation, with clear lines dividing functions and responsibilities, but the customer’s journey tells a story of seamless unity, demanding a single, coherent conversation with the brand. For years, the gap between the teams that manage customer data and the teams that manage customer engagement has widened, creating friction

Trend Analysis: Intelligent Data Architecture

The paradox at the heart of modern healthcare is that while artificial intelligence can predict patient mortality with stunning accuracy, its life-saving potential is often neutralized by the very systems designed to manage patient data. While AI has already proven its ability to save lives and streamline clinical workflows, its progress is critically stalled. The true revolution in healthcare is

Can AI Fix a Broken Customer Experience by 2026?

The promise of an AI-driven revolution in customer service has echoed through boardrooms for years, yet the average consumer’s experience often remains a frustrating maze of automated dead ends and unresolved issues. We find ourselves in 2026 at a critical inflection point, where the immense hype surrounding artificial intelligence collides with the stubborn realities of tight budgets, deep-seated operational flaws,

Trend Analysis: AI-Driven Customer Experience

The once-distant promise of artificial intelligence creating truly seamless and intuitive customer interactions has now become the established benchmark for business success. From an experimental technology to a strategic imperative, Artificial Intelligence is fundamentally reshaping the customer experience (CX) landscape. As businesses move beyond the initial phase of basic automation, the focus is shifting decisively toward leveraging AI to build