Co-brand any card, on demand.
Add airline, hotel and retail loyalty partners to any card without a new integration. You keep the card and the customer. Cosmo provides the partner contracts, integration and settlement.
How does Cosmo power co-branded cards?
Cosmo provides the loyalty side of a co-branded card: the partner contracts, the integration that issues the rewards, and settlement with every partner in a single monthly statement. Banks, fintechs and card issuers integrate once, then add loyalty partners to any card on demand. The issuer keeps its processor and its customer relationship, and can bring its own partner contracts.
Everything you need to scale card partnerships.
One blueprint, every partner vertical.
Single integration
Integrate once with Cosmo. Card programs, ledgers and statements share one schema from then on.
Onboard partners
Airline, hotel or retail: each new partner reuses the same technical blueprint and commercial framework. Use Cosmo's contracts, or keep your own.
Unified operations
Run the whole portfolio from one place: performance, campaigns and reconciliation across every co-brand.
What happens when a co-brand cardholder spends?
An issuer launches a card with a hotel group as the loyalty partner. The issuer keeps its processor, its card program and its customer. Cosmo supplies the partner contract, the issuance and the settlement. On each qualifying purchase:
- 1
The issuer computes the reward
The processor settles the purchase as usual. The issuer applies its own earning rule, for example two points per unit of spend, and decides how many hotel points the customer has earned.
Issuer's own rules engine - 2
The issuer issues through Cosmo
One call credits the points to the customer's hotel account, in real time or in a nightly batch, carrying a reference number so the credit can never be duplicated.
POST /transactions { programId, destinationAccount, basePoints, referenceNumber } - 3
Campaign bonuses apply automatically
If a campaign is live, bonus points are added on top of the base points for the campaign window. A sole-funded campaign is paid by the issuer; a co-funded campaign shares the cost with the partner.
bonusPoints added per campaign rules - 4
Outcomes arrive by webhook
The issuer's systems receive the result of each issuance, so the app can show the customer their new balance without polling.
Webhook: transaction.completed
The second co-brand, with an airline or a retailer, reuses the same integration: a new program identifier and a new commercial line, not a new build. Settlement for every co-brand in the portfolio lands on one monthly statement.
Co-brand cards, answered.
What does a co-branded card provider do?
A co-branded card provider supplies the loyalty side of a co-branded card: the link to the partner program, the commercial framework, reward issuance, and settlement. With Cosmo, one integration powers every co-brand you launch. You own the card and the customer; Cosmo handles partner commercials, technical delivery, and settlement.
Can I launch co-branded cards with more than one loyalty partner?
Yes. A dual co-brand pairs one card with two loyalty partners, and Multibrand lets one card earn across several programs, with each cardholder choosing the split. Both run on the same integration.
Do I have to use Cosmo's partner contracts?
No. The platform is modular: you can keep your own commercial agreement with a partner and use Cosmo for the integration, ledger, and settlement, or launch under Cosmo's standardized agreement where the partner is already on the network.
How are co-branded card rewards settled?
Cosmo acts as the clearing house. Every reward is processed in real time, and one unified monthly settlement produces a single invoice for your whole co-brand portfolio, across partners, currencies, and jurisdictions.