Cardlytics
Cardlytics is a US - contrast fintech-infrastructure provider (Card-linked rewards & loyalty). Verified at source - licence, regulator and registry reference. Active
Who it's for
Cardlytics is built for programmes running loyalty and card-linked offers on the card transaction stream. As an unlicensed vendor, regulatory obligations stay on the client's side.
Sovereignty profile
- Data residency (EEA): No - outside the EEA
- Company origin: US (US)
What Cardlytics does
Verified licence profile
Cardlytics (Atlanta, USA; Nasdaq: CDLX; founded 2008) - largest card-linked-offer network; native-ad and cash-back platform inside US and UK bank digital channels (Chase, Bank of America, Wells Fargo); visibility into ~50% of US and ~25% of UK card transactions; owns Dosh and Bridg. US-listed - purchase data under US jurisdiction (CLOUD Act). Contrast entry vs European card-linked rewards infrastructure.
Verified 2026-06-29. How we verify → · Spotted something out of date? Report a correction. · Are you Cardlytics? Work with us →
European alternatives to Cardlytics
Comarch (Krakow, Poland; founded 1993; Warsaw-listed) - software house whose Comarch Financial Services covers corporate banking, IAM and transaction protection for banks and insurers; ~5,000 staff across 38 countries. Unlicensed technology.
Open Loyalty (Wroclaw, Poland; founded 2017) - API-first 'headless' loyalty engine (points, tiers, rewards, referrals, gamification) for retail, e-commerce and fintech card programmes; open-source core. Independent. Unlicensed software.
Talon.One (Berlin, Germany; founded 2015) - enterprise incentives engine unifying promotions, loyalty, coupons, referrals and gamification through one API; clients incl. H&M, Adidas, Sephora, Ticketmaster. Raised EUR 114M / USD 135M growth round (Jul 2025; Silversmith Capital Partners, Meritech Capital, CRV); independent. Unlicensed software.
Voucherify (Katowice, Poland; founded 2015 at the rspective software house) - API-centric promotions and loyalty engine: coupons, gift cards, referrals, loyalty and in-cart promotions; MACH Alliance member; 350+ brands. Bootstrapped, independent. Unlicensed software.
FAQ
Is Cardlytics European / EEA-based?
Cardlytics is US origin (US) and is not fully EEA-based; shown as a contrast/comparison.
What does Cardlytics do?
Cardlytics covers: Card-linked rewards & loyalty. Verified at source by Fintechnologica.