cardlytics.com
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Cardlytics: The Invisible Ad Network
How a $212M-funded company monetizes bank transaction data without users noticing
While you're scanning your bank statement, Cardlytics is already targeting you with offers. This isn't surveillance capitalism—it's transaction capitalism, and it's quietly powering 8% of all US card-linked marketing.
"Cardlytics doesn't compete with Google on search—it competes with them on intent. Your purchase history is the new keyword."
The Trojan Horse of Financial Data
Cardlytics isn't a consumer app—it's a B2B2C infrastructure layer. Banks and publishers white-label their network, embedding offers directly into mobile banking apps. The user sees 'Bank of America Rewards,' not Cardlytics. This is their moat: 773K monthly visits with 83% from 'undefined' countries (likely direct traffic from banking apps), not SEO or brand search. They're invisible by design.
The Traffic Paradox
Here's the tell: only 9% of traffic comes from organic search. That's shockingly low for a $96M revenue company. But it makes sense when you realize Cardlytics' real traffic happens inside banking apps, not on their website. Their top keyword—'cardlytics' (8,420 searches/month)—is likely investors and analysts researching the stock (2nd keyword: 'cardlytics stock'). The real product discovery happens at the point of sale, not Google.
Their tech stack reveals a pragmatic, enterprise-first approach: jQuery and Bootstrap for legacy compatibility, Tailwind CSS for modern UI components, and Cloudflare for enterprise-grade security. They're not chasing shiny objects—they're building infrastructure that must work across thousands of bank integrations. The single Trustpilot review (3.2/5) is irrelevant; this is a B2B platform, not a consumer app.
- Monetizes transaction data (not ad space)—pays banks for access to purchase history
- Offers are contextual: 'You spent $200 at Target last month—here's 5% cashback this week'
- Revenue model: takes a cut of every redeemed offer (average 3-5% commission)
- Competes with Rakuten, Honey, and bank-owned rewards programs
The Unsexy Ad Tech Giant
Cardlytics wins by being infrastructure, not media. Their moat isn't technology—it's banking partnerships. In a world obsessed with TikTok, they're betting that what you bought yesterday predicts what you'll buy tomorrow. And with $212M in funding, that bet is paying off quietly.
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Cardlytics | Card-Linked Offers for Incremental Lift
Our leading card-linked offer network delivers incremental lift to advertisers and best-in-class offers for financial institutions and publishers. Learn more.
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Reviews (1)
Non-transparent company
The sales process is unclear, they offer a service not in line with affiliate network standards. It's impossible to verify the data. Little added value. Stay far away and invest your money elsewhere
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About cardlytics.com
Our leading card-linked offer network delivers incremental lift to advertisers and best-in-class offers for financial institutions and publishers. Learn more.
Company Overview
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Technology Stack
cardlytics.com uses 18 technologies across their website including Vimeo, HSTS, Webflow, and more.
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Vimeo
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Webflow
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cdnjs, jsDelivr
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AWS CloudFront, Cloudflare
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Google Tag Manager, Google Analytics
Traffic & Audience
cardlytics.com receives approximately 773.6K monthly visitors and ranks #92,387 globally. The website has a bounce rate of 81% with visitors viewing an average of 1.2 pages per visit. Users spend an average of 0:26 on the site.
The majority of cardlytics.com's traffic comes from undefined, undefined, .
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This page provides publicly available information about cardlytics.com. Data is collected from various public sources and may not always be up to date. For the most accurate information, please visit cardlytics.com directly at https://cardlytics.com.