One Card
Multiple Brands
Choose where you earn, when you spend
Multibrand replaces a wallet of cards with one smart solution, empowering users to personalize rewards from multiple brands at once.
What is a Multibrand Card?
The Evolution of Co-branded Cards for Banks & Fintechs
Traditional co-branded cards restrict customers to a single brand.
Multibrand breaks these limits — delivering unmatched flexibility and rewards tailored to individual preferences.
Multibrand, a unique patent-pending innovation, allows financial institutions to issue one card connected to multiple loyalty programs at once
Now, customers can choose, switch, and split their rewards across airlines, hotels, retail brands, and more.
Why Choose Multibrand?
For Banks & Fintechs
Top-of-Wallet Preference
With similar benefits across cards, consumers naturally choose one. Multibrand makes that choice easy — one card to rule them all.
Increased Card Spend
Let users personalize their rewards and watch spend soar. More control = more engagement.
Acquisition & Retention
A personalized rewards experience keeps customers coming — and staying — for more.
Key Features
Tailored rewards
Build your own custom card offering with any number of brands for customers to earn with.
Seamless integration
Quick and seamless API and widget integration for faster institutional onboarding.
Management dashboard
Manage partnerships, marketing campaigns and team access all from a single dashboard.
Multibrand vs.
Co-brand
Feature
Cosmo
Multibrand Card
Traditional
Co-branded Card
Reward Flexibility
Reward Flexibility
Earn rewards across multiple programs
Locked into one program
Customer Engagement
Customer Engagement
High-personalized experiences
Limited - one-size-fits-all
Cardholder Control
Cardholder Control
Users decide how rewards are split
Fixed rewards
structure
Institutional Benefit
Institutional Benefit
Drives acquisition & spend
Lower flexibility & engagement
How it Works?
Integrate with Cosmo
Onboard your card program via
API or widget-based integration.
Select Loyalty Partners
Choose from Cosmo's top-tier loyalty network.
Configure Cards
Users dynamically select their
earning preferences.
Earn Rewards
Rewards automatically flow into
selected programs upon spending on card.
The future of card rewards is here.
Are you ready?
Transform the way users earn rewards
when spending on a card.
