Cardholder engagement that actually builds loyalty
Harness helps financial institutions create real-time, personalized cardholder engagement experiences without replacing your existing card products.
Most cardholder data goes unused. We help you change that.
Financial institutions sit on rich transactional data, but most of it never turns into meaningful engagement. Harness helps you change that with a platform built to drive engagement, boost loyalty, and keep your card top of wallet.
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Implement.
No new cards, no extra friction.
We integrate directly with your current credit card and debit products, so you can launch cardholder engagement programs without a reissue.
Impact.
Make every transaction count.
Tie everyday card use to loyalty rewards and cause-driven campaigns. Align your brand with what cardholders value: community, impact, and meaningful rewards.
Target.
Engage the right cardholders at the right time.
Use real-time transactional data to create personalized messaging that fits each cardholder’s habits, preferences and timing.
Engage.
Build deeper relationships through smart, simple moments.
From coffee shop surprises to gameday giveaways, Harness helps you deliver cardholder experiences that feel real, not generic.
What makes us stand out
We bring the team and expertise to help you run every part of your engagement program, from campaign planning to reporting.
Designed for credit unions and financial institutions looking for flexible, secure engagement solutions without complex onboarding.
Our platform helps you create one-to-one engagement with your cardholders at the moment it matters most.
Trusted across the industry
Boost activation
Immediately incentivize new cardholders and re-engage current ones with instant rewards that start with the first use.
Increase card use
Connect in real-time by gamifying everyday spend to create rewarding habits that drive more transactions.
Strengthen loyalty
Match cardholders with causes they care about through individual spending patterns.
Secure, reliable, and compliant
Built with high-security infrastructure, Harness gives you the confidence to run cardholder engagement programs at scale, without compromising data or trust.
Join the Harness Impact Network
You’re not just running a rewards program—you’re building stronger communities. Harness connects financial institutions to purpose-driven nonprofits, making each transaction part of something bigger.
Book a demo