Cardlytics
Bank-integrated ad platform using transaction data for measurable commerce media.
Available information varies by company and source.
Profile record updated:
Company facts
- Official name
- Cardlytics, Inc.
- Entity type
- COMPANY
- Founded
- 2008
- Headquarters
- 675 Ponce de Leon Ave. NE, Suite 4100, Atlanta, GA 30308, USA
- Company size
- 201–500
- Market role
- AdTech Vendor
- Ticker
- CDLX
- Official website
- cardlytics.com
What Cardlytics does
Cardlytics runs a B2B adtech platform embedded within bank and issuer digital properties. It connects advertisers seeking measurable customer acquisition or spend lift with financial institution partners that supply authenticated consumer reach inside banking apps and online banking. The company creates value by combining media delivery, transaction-derived audience intelligence, card-linked rewards and sales attribution in a single ecosystem. It monetises advertiser demand and shares part of that economics with bank partners, while expanding value through adjacent data, identity, measurement and loyalty products.
Category differentiation
Cardlytics is not a consumer bank or payment card issuer. It is an adtech and commerce media platform that monetises banking-channel inventory and transaction data for advertisers and financial institutions.
Strategic context
AI-supported assessment from the existing company research; distinguish interpretation from sourced facts.
Cardlytics is a public US advertising technology company that operates a bank-integrated commerce media and card-linked offers platform. Its core products let advertisers and agencies target audiences inside digital banking channels, activate merchant-funded offers, and measure outcomes using deterministic transaction data tied to actual purchases. The company also provides supporting data, identity, rewards and measurement capabilities through its broader platform and acquired assets including Bridg and Dosh. The business primarily serves enterprise advertisers, agencies, banks and other financial institution partners. Cardlytics makes money mainly from performance-based advertising tied to measurable sales outcomes, with merchant-funded rewards and revenue-sharing arrangements with banking partners. Its value proposition is based on exclusive access to bank-owned inventory, purchase intelligence derived from transaction data, and closed-loop attribution across online and in-store spend.
Company news briefing
Briefing updated:
Building on strong Q1 2026 operational performance under CEO Amit Gupta and CFO David Evans, Cardlytics’ H1 2026 State of Spend reports reveal a diverging UK consumer wallet despite a tentative recovery in confidence. The 2026 Banking Loyalty Index highlights that while personalised rewards make 47% of customers more likely to remain with their bank, a 22% visibility gap remains regarding existing offers. Insights identifying that 10% of loyal customers account for 62% of spend reinforce a strategic emphasis on bridging engagement gaps through data-driven incentivisation.
Business model & monetisation
Cardlytics primarily uses a performance-based advertising model in which brands fund offers and pay based on measurable sales outcomes rather than simple media delivery metrics. It also operates merchant-funded rewards programmes and shares advertising economics with bank partners whose channels host the offers. Additional monetisation comes from platform access, analytics, measurement, identity and loyalty-related capabilities delivered as software and managed solutions to enterprise customers.
- Performance-based advertiser campaigns
- Percentage take-rate tied to measurable sales outcomes
- Merchant-funded rewards and offer participation
- Percentage take-rate / shared campaign economics
- Platform access and campaign management tooling
- SaaS / software subscription
- Measurement, analytics and loyalty analysis services
- Service fee / retainer
- Identity and data capabilities from acquired assets
- SaaS / data-enabled platform fees
Products & capabilities
No products with linked sources are available in this view.
Products & market categories
Media Channel
Technology
Competitors & alternatives
- Rokt
Commerce media platform monetising checkout and post-purchase moments.
- Fluent
Commerce media platform linking advertisers with high-intent customer moments.
Side-by-side comparisons
Recent recorded signals
Dates refer to the source publication. Older entries are historical context, not evidence of a new event.
8-K Financial Filing Analysis for Cardlytics (2026-09-11)
financials · Recorded impact score: 3.4/5
On September 4, 2026, Cardlytics, Inc. entered into a settlement and release agreement with Amit Jain, the founder and former CEO of Bridg, Inc., resolving litigation filed in the Delaware Court of Chancery concerning indemnification obligations assumed during Cardlytics' 2021 acquisition of Bridg. Under the agreement, Cardlytics will pay an aggregate of $6.4 million, which includes $5.3 million for Jain's allocated settlement in the DailyGobble Action and $1.1 million for related legal fees. The settlement is aligned with the $6.5 million accrual previously recorded as of June 30, 2026. Cardlytics is actively pursuing insurance reimbursement to recoup portions of the settlement cost.
- Cardlytics entered into a $6.4 million settlement and release agreement with Bridg founder Amit Jain on September 4, 2026.
- The payout comprises approximately $5.3 million for the DailyGobble Action settlement and associated costs, plus $1.1 million in legal fees.
Careers & open positions
Open positions indexed from verified career portals and applicant tracking systems.
| Position | Department | Location | Posted |
|---|---|---|---|
| Senior Software Engineer, Machine Learning(Senior) | Engineering & Development | Taipei City | |
| Principal Software Engineer, Tech Lead - Databricks Platform(Lead) | Engineering & Development | Remote, US | |
| Senior Software Engineer(Senior) | Engineering & Development | Taipei City | |
| Partner Lead- New Business Sales(Lead) | Sales & Business Development | Remote, US | |
| Partner Lead, Existing Business (Mid Market)(Lead) | Sales & Business Development | Remote, US |
Explore company relationships
Questions about Cardlytics
What is Cardlytics?
Cardlytics is a public advertising technology company that runs bank-integrated commerce media, card-linked offers, rewards and measurement products powered by transaction data.
Who uses Cardlytics?
Its main users are enterprise advertisers, agencies, banks, financial institutions and brand analytics teams seeking measurable customer acquisition, spend lift and loyalty outcomes.
How does Cardlytics make money?
It mainly earns performance-based advertising revenue from merchant-funded offers and campaigns, shares economics with bank partners, and adds revenue from platform, measurement, identity and analytics capabilities.
Sources & coverage
This profile uses public, official and technically observable information. Missing information does not prove that a product or relationship does not exist. The list below does not imply that every profile statement has been verified.
18 publicly documented primary sources and citations linked across the market graph.
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