Cardlytics

Cardlytics

Digital advertising using banking rewards data

Overview

Cardlytics partners with banks to run their banking rewards programs and uses the data from consumer spending to power targeted digital advertising. It helps banks increase customer loyalty and engagement, while giving marketers detailed insights into how people spend and which ads influence purchases. The platform works by integrating with financial institutions to access secure spending data, which Cardlytics then uses to tailor ads and measure how those ads affect sales. Its two-sided model earns revenue from banks for managing rewards programs and from marketers for delivering data-driven advertising campaigns. Cardlytics aims to connect financial institutions, marketers, and consumers through precise, spend-based marketing that boosts customer engagement and sales impact.

About Cardlytics

Simplify's Rating
Why Cardlytics is rated
D+
Rated C on Competitive Edge
Rated D+ on Growth Potential
Rated D+ on Differentiation

Industries

Data & Analytics

Enterprise Software

Financial Services

Company Size

201-500

Company Stage

IPO

Headquarters

Atlanta, Georgia

Founded

2008

Simplify Jobs

Simplify's Take

What believers are saying

  • David Evans returns as CFO on January 12, 2026, bringing IPO expertise.
  • Lloyds upgrades cashback program with Cardlytics for customer loyalty.
  • UK Insights Portal launched in 2026 monetizes spending data dashboards.

What critics are saying

  • Class actions by Levi & Korsinsky and Rosen drain cash via settlements in 2026.
  • Q1 2026 revenue drops 39% to $34.3M from advertiser churn.
  • Criteo replicates model with 150 banks including Chase since February 2025.

What makes Cardlytics unique

  • Cardlytics accesses 50% of U.S. and 25% of U.K. card transactions for purchase intelligence.
  • Partners with 1,500 banks like Bank of America and PNC for rewards programs.
  • Offers privacy-safe card-linked offers linking banking and marketing industries.

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Funding

Total Funding

$571.3M

Above

Industry Average

Funded Over

11 Rounds

Post IPO Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Post IPO Debt Funding Comparison
Coming Soon

Benefits

Invest in your future with competitive pay, company equity, 401k matching, and bonus plans.

Full medical, dental, and vision coverage. Plus fitness classes, yoga, and wellness opportunities.

Grow your career with Cardlytics University, onsite courses, and mentorship programs.

Enjoy fluid work schedules and a flexible vacation practice.

Headquartered in Atlanta at Ponce City Market, with additional offices in London, New York, Oakland, and Vizag.

Shape our community through special interest groups, including Diversity & Inclusion, Women of Cardlytics, and Philanthropy.

Stock Price

Growth & Insights and Company News

Headcount

6 month growth

-4%

1 year growth

0%

2 year growth

1%
Wise Marketer Group
Mar 11th, 2026
Loyalty in Banking: The Evolution from "Top of Wallet" to "Top of Mind"

Loyalty in banking: The Evolution from "Top of Wallet" to "Top of Mind" * By: Wise Marketer Staff * Posted on March 11, 2026 Executive interview with Campbell Shaw, VP of Commercial, Financial Services at Valuedynamx. This conversation with Campbell Shaw, VP of Commercial, Financial Services at Valuedynamx is focused on the myriad of forces driving change in retail banking. Wise Marketer Group titled the session "The Evolution from "Top of Wallet" to "Top of Mind"" This is a refreshing update covering the dynamics of customer loyalty in the payment card industry and Campbell is the right guest for the moment. His daily work is focused on transforming how banks and fintechs approach customer loyalty. Campbell came to Valuedynamx from Cardlytics, where he was responsible for their UK operations, leading the partnership side of the business. He worked with major FI leaders Lloyds Bank and launched the Monzo program during that time. Before that, he ran the NatWest partnership for the fintech Monetize, which built and operated mobile banking apps. Campbell's perspectives are particularly valuable as he has witnessed firsthand how legacy banks are breaking down internal silos to deliver unified customer experiences, while fintechs are employing rewards strategies as a critical driver of the transaction volumes that make or break their business models. Wise Marketer Group hope you enjoy this energetic discussion about how financial institutions think about customer loyalty and learn a bit about how to go from being "top of wallet" to "top of mind". Time stamps. * 2:35 How should banks shift their thinking around customer loyalty? * 5:49 What is driving change in customer loyalty in banking? * 8:05 How are Fintechs and Neobanks making competitive progress? * 11:35 Future of the Fintechs * 12:50 Do Banks and Fintechs have shared objectives? * 15:35 How Valuedynamx is serving Banks and Fintechs * 17:25 How is Card Linking evolving? * 20:09 Perspectives on Partnerships - How to do it Right. * 22:50 How are banks becoming nimbler and more competitive? * 24:20 Is Unified Bank loyalty going to happen? * 26:10 The role of premium brands in building bank loyalty * 29:25 One thing most banks misunderstand about building loyalty in 2026 * 31:04 Framing the growth market in banking and payments loyalty * 34:30 Finding Campbell Shaw Editor's note. Campbell Shaw, VP Commercial, Financial Services As VP Commercial, Financial Services at Valuedynamx, Campbell works closely with banks and financial institutions to help unlock the full potential of their customer engagement and rewards programs. He is passionate about building strategic partnerships that deliver real, long-term value for both clients and their customers. Earlier in his career, Campbell led the mobile banking partnership between RBS (now NatWest) and British fintech Monetize. He has held senior roles at data-driven businesses like Dun & Bradstreet and Experian, while also co-founding a digital platform which served to connect Westminster, Whitehall, and devolved governments. Prior to joining Valuedynamx, Campbell held the position of SVP Publisher Partnerships at Cardlytics, leading UK bank partnerships, both existing and new.

Yahoo Finance
Mar 4th, 2026
Cardlytics posts $8.3M Q4 loss, forecasts $35M-$40M revenue for Q1

Cardlytics reported a fourth-quarter loss of $8.3 million, or 15 cents per share, with revenue of $56.1 million. The Atlanta-based company posted a full-year loss of $103.5 million, or $1.95 per share, on revenue of $233.3 million. For the current quarter ending in March, Cardlytics expects revenue between $35 million and $40 million.

NCNewsOnline
Dec 18th, 2025
Cardlytics Appoints Company Alumnus David Evans as Chief Financial Officer

Cardlytics appoints company alumnus David Evans as Chief Financial Officer. Cardlytics Inc. (NASDAQ: CDLX) today announced the appointment of David Evans as its new Chief Financial Officer, effective January 12, 2026. Evans is returning to Cardlytics, having previously held several executive roles including Chief Financial Officer and Chief Administrative Officer. As the returning Chief Financial Officer, Evans will oversee Cardlytics' finance, accounting, and investor relations functions as the company continues to execute against its longer-term growth vision. Evans rejoins Cardlytics after his initial tenure from 2014 to 2020, during which he helped guide the company through its earlier years of growth and a successful IPO in 2018. Evans is a seasoned executive with a wealth of experience leading companies through transformational milestones and brings a rare combination of strategic growth expertise, operational knowledge, and a genuine passion for nurturing talent. Most recently, he has been serving as an Advisor and Board member of several companies in the software and technology sectors, including his current role as Board Chair at Neighborly Software, based in Atlanta. "We are thrilled to welcome David Evans back to Cardlytics as our new Chief Financial Officer at a critical stage of our turnaround," said Amit Gupta, Chief Executive Officer of Cardlytics. "His deep understanding of our business and industry, proven leadership, and strong track record during his previous tenure make him uniquely equipped to help guide Cardlytics through this next phase and support long-term value creation for our shareholders." "I have a tremendous affinity for Cardlytics, its mission, and its employees. At this point in my career, returning to this organization is especially meaningful," said David Evans, incoming Chief Financial Officer. "I've had the opportunity to tackle new challenges through different market environments, and I'm eager to bring those experiences back to a company I know well. With a strong foundation already in place, I'm looking forward to building on the momentum with financial rigor and disciplined execution." Evans' appointment follows Cardlytics' recent announcement that Alexis DeSieno will be stepping down from her role as Chief Financial Officer. DeSieno will continue to serve in a non-officer advisory capacity until March 6, 2026, to help ensure business continuity and a seamless transition. "I want to reiterate my sincere thanks to Alexis for her contributions to our business during her time at Cardlytics," Gupta continued. "As a member of the leadership team, she has helped to implement strong financial discipline and improve our cost structure and liquidity." About Cardlytics Cardlytics (NASDAQ: CDLX) is a commerce media platform, powered by our publishers' first-party purchase data, that makes commerce smarter and more rewarding for everyone. We offer a range of solutions to help advertisers and publishers grow and strengthen customer loyalty. With visibility into approximately half of all card-based transactions in the U.S. and a quarter in the U.K., Cardlytics enables advertisers to engage consumers at scale and drive incremental sales through our industry-leading card-linked offer network. Publisher partners can enhance their platforms with relevant and personalized offers that improve the shopping experience for their customers. Cardlytics also offers identity resolution capabilities through Bridg, which helps convert anonymous shoppers into known and reachable customers. Learn more at www.cardlytics.com or follow us on LinkedIn. View source version on businesswire.com:https://www.businesswire.com/news/home/20251218378646/en/

Yahoo Finance
Aug 14th, 2025
Cardlytics Named "Best Digital Ad Network" in 2025 MarTech Breakthrough Awards Program

Cardlytics named "Best Digital Ad Network" in 2025 MarTech Breakthrough Awards program.

Hello Partner
Apr 14th, 2025
Lloyds Revamps Cashback Programme with Cardlytics to Boost Customer Rewards

Lloyds Banking Group has unveiled a major upgrade to its customer cashback rewards programme, developed in partnership with Cardlytics.

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