Cartera, the loyalty commerce platform used by leading airlines, banks, and retailers, has announced a new partnership with Credit One Bank, the Las Vegas, Nevada-based card issuer and one of the fastest-growing credit card issuers in the United States. Under the agreement, Cartera designed, developed, and now powers Credit One ShopPerks, a free online shopping rewards program embedded directly in the Credit One Bank mobile app and website.

Credit One ShopPerks connects millions of cardmembers to more than 1,000 participating online retailers. The program offers Perks Rewards that are posted to cardmember accounts as statement credits — meaning the value is applied directly against the card balance rather than accumulating in a separate points wallet — along with exclusive deals, adding another benefit to holding a Credit One Bank credit card. In loyalty-commerce programs of this kind, the rewards are typically funded by participating merchants, which underwrite the incentives as a customer-acquisition channel; that structure is why issuers can generally offer such shopping rewards to cardmembers at no cost.

"Issuers should expect it to be standard for a rewards program to meet cardholders where they already are, not be directed to a separate destination. With Credit One Bank, we embedded Credit One ShopPerks directly into their existing mobile app, so cardholders don't have to leave the experience they already use daily," said Marc Mazzone, General Manager of Cartera Commerce. "Every partnership is different, but our approach is consistent: design and power rewards that are relevant and meaningful to the issuer's cardholders, wherever they already are."

"As the brand that champions forward momentum, we're excited to launch Credit One ShopPerks as a seamless rewards experience through our mobile app," said Michael Coleman, Chief Marketing Officer of Credit One Bank. "It lets our cardmembers get even more value from their Credit One Bank credit card by earning more rewards where they already shop."

The launch reflects a broader shift in U.S. credit card rewards. Major issuers have increasingly moved merchant-funded deals and shopping portals inside their own mobile apps — a format popularized by programs such as Amex Offers and Chase Offers — instead of directing cardholders to standalone destinations. With rewards value a central competitive battleground for U.S. cards, in-app programs like ShopPerks give issuers a way to add everyday value without requiring cardholders to change how they shop.

Cartera built its business running shopping portals and card-linked offer networks through which airline, bank, and retail loyalty members earn rewards on everyday purchases, and it already powers rewards programs for leading financial institutions. This partnership adds Credit One Bank to Cartera's roster of leading partners representing millions of cardholders, further extending the company's footprint in the financial rewards space. Cardmembers can browse the current roster of participating retailers and offers within the ShopPerks section of the Credit One Bank mobile app and website.

More information about Cartera and its services is available at www.cartera.com.