All About Card Linked Offers

Imagine a world where shoppers can effortlessly earn discounts and cashback rewards without the hassle of affiliate links or coupons. This is precisely what card linked offers (CLOs) bring to the table.

February 14, 2024


In today’s digital age, consumers are constantly seeking ways to stretch their dollars further. Whether it’s through coupon clipping, loyalty programs, or cashback incentives, the quest for savings is a ubiquitous part of the modern shopping experience. However, there’s one relatively lesser-known tool in the arsenal of savvy shoppers that is gaining momentum and revolutionizing the way we save: card linked offers.

Imagine a world where shoppers can effortlessly earn discounts and cashback rewards without the hassle of affiliate links or coupons. This is precisely what card linked offers (CLOs) bring to the table. 

So, what exactly are card-linked offers, and how do they work? How can your brand work with Karma Wallet to offer our community CLOs? Let’s dive in. 

What is a Card Linked Offer?

At its core, a CLO is a discount or reward that is automatically applied to a consumer’s credit or debit card when they make a qualifying purchase.

Unlike traditional coupons or promo codes, which require manual input or presentation at the point of sale, card-linked offers operate seamlessly in the background, eliminating the need for any extra steps on the part of the consumer. CLOs go a step beyond traditional affiliate linking – which can act as a hurdle for both the brand and the consumer. 

At Karma Wallet, our members can browse available Karma Collective offers in-app and select those that appeal to them. From there, it’s business as usual – they shop at the designated brand using their Karma Wallet Card, and the discount or reward is automatically triggered and credited back to their account.

card linked offers on karma wallet

What is the Karma Collective?

The Karma Collective is a community of ethical brands curated by Karma Wallet. These ethical, sustainable, and local brands offer our Karma Wallet Card members exclusive cashback rewards. 

Karma Collective brands recognize that their impact extends far beyond their bottom line, and by working together, they amplify their voices and drive positive change on a global scale.

The Karma Collective connects conscious consumers, who are our cardholders seeking to shop with sustainable brands, through shared values.

On average, sustainable brands featured on Karma Wallet experience higher average order values by 1.3x, increased purchase frequency by 2.2x, and a boost in annual customer value by 2.8x.

These brands recognize that their impact reaches beyond financial metrics, and by collaborating, they leverage their voices to drive positive global change.

How Card Linked Offers Benefit Brands

For brands, the benefits of card-linked offers extend far beyond simply driving sales.

  • Enhanced Customer Loyalty: We all know personalization is key to driving engagement and loyalty. By delivering personalized offers and rewards based on consumers’ purchasing behavior, brands can foster deeper connections and loyalty among their customer base. This, in turn, can lead to higher customer retention rates and increased lifetime value.
  • Data-Driven Marketing: Card-linked offers provide brands with valuable data insights that can inform targeted marketing campaigns and promotions. By analyzing redemption data, brands can identify trends, preferences, and opportunities to tailor their marketing efforts and optimize their return on investment. Since the offers are tied directly to the Karma Wallet Card, merchants can track the effectiveness of their campaigns, allowing them to optimize their marketing efforts and maximize ROI.
  • Seamless Integration: Card-linked offers can be easily configured and customized for cashback offers tailored to your business goals and target audience. Whether you’re aiming for customer acquisition or retention, CLOs provides the flexibility to meet your specific needs.
  • Cost-Effectiveness: Compared to traditional marketing channels such as print advertising or direct mail, card-linked offers offer a more cost-effective way for brands to reach and engage consumers. With CLOs you can maximize marketing dollars and achieve a higher return on investment. Joining the Karma Collective is free up front – your brand only pays when a purchase is made.

How Card Linked Offers Benefit Shoppers

While brands stand to gain significant benefits from card-linked offers, our members reap a ton of rewards as well! 

  • Instant Savings: Card-linked offers provide our Karma Wallet Card members with instant savings on their everyday purchases without the need to use affiliate links or remember discount codes. By simply using their Karma Wallet Card with Karma Collective brands, consumers can enjoy discounts and rewards effortlessly.
  • Personalized Offers: Card-linked offers are tailored to consumers’ preferences and spending habits, ensuring that they receive relevant and meaningful discounts. This personalized approach enhances the shopping experience and increases the likelihood of repeat purchases.
  • Transparency and Security: Card-linked offers are secure and transparent, eliminating the need to share sensitive information such as bank account numbers or personal details. Since offers are linked directly to the Karma Wallet Card, members can shop with confidence knowing that their information is protected.
  • The Swipe-and-Earn Advantage: Traditional affiliate links often present a significant barrier for cardholders, requiring them to click the link, avoid any other redirects, and stay within the cookie window to successfully claim an offer. This process can be a hindrance for cardholders who seek a more seamless and efficient experience. In contrast, CLOs is a user-friendly method, where cardholders can effortlessly earn rewards simply by swiping, bypassing the complexities associated with traditional affiliate links. This streamlined process not only enhances user satisfaction but also transforms the way individuals engage with and benefit from rewards.

Next Steps

Card linked offers through the Karma Collective are a powerful tool for your brand to drive engagement, loyalty, and sales – while providing our members with convenient and personalized savings. Win win!

Ready to get started? Let’s chat! Shoot us an email at to discuss how your brand can join the Karma Collective and reward our community of conscious consumers.