One card.
Every program.
You enable the programs. Customers choose where their card earns — one program, or split across several. Every new partner is a configuration, not a launch.
Multibrand · Split rewards201 split · 3 programs
1 position · all programs
Launching a partnership becomes as simple as enabling a program. Customers add it to their profile — and their card starts earning there, instantly.
Protected by U.S. Patent No. 12,597,048 B2 · granted April 7, 2026
Unlocking universal earning power.
Single card connectivity
One physical or digital card connected to multiple global loyalty programs seamlessly.
Loyalty profiles
Customers choose where to earn — or how to split — in your app; the card applies it automatically.
Simultaneous earning
Stack rewards across multiple network programs with a single transaction.
Consolidated settlement
One consolidated settlement covering all active loyalty programs.
From integration to earning, in three steps.
Integrate once
Connect to Cosmo APIs with our lightweight SDK. Minimal engineering for full network access.
Enable programs
Select which network programs your card supports — from the partner dashboard, no new build.
Customers apply their profile
Each transaction earns according to the customer's loyalty profile — across every enabled program, automatically.
Every program your
customers love. One card.
Give users the rewards they actually want — without adding a single integration per program.