Finally, a card program 
that drives authentic engagement.

Harness builds card experiences as unique as your members - transforming every transaction into lasting value.

Partnered with:
MastercardVisa
Phone with photo of woman, and several screenshots of debit cards and financial notificationsPhone with photo of woman, and several screenshots of debit cards and financial notifications

Most cardholder data goes unused. Harness is here to change that.

We don't just create card programs—we provide end-to-end solutions powered by data. Through transactional insights, we meet members where they are, delivering personalized experiences at every touchpoint.

Implement.

Harness seamlessly layers onto your existing cards—no new plastic needed. Your cardholders simply enroll and use as normal. It’s easy for you, easier for them.

Impact.

Connect your cardholders to the causes they care about most - from local universities to small businesses and nonprofits. Because when your card supports their own community, it becomes their go-to choice.

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Target.

Harness transforms transactional data into audience insights, enabling personalized messages and experiences at the perfect moment.

Engage.

Seamlessly launch personalized programs to deliver feel-good moments that keep your members captivated. (Think surprise coffee rewards to exclusive game-day experiences.)

Here's what makes us stand out from the rest

Full-service expertise

We handle everything—from strategy to implementation to ongoing support. Our proven solutions attract new members, keep them engaged, and increase transactions.

Simple, trusted tech

Our expert team leverages our partnerships with Visa and Mastercard to seamlessly integrate into your existing card infrastructure, delivering a frictionless member experience.

Impact, personalized

Our scalable programs go beyond templates—choose your audience, set the rules, and design incentives that keep your card top of wallet.

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Trusted across the industry

Design programs that:

Boost activation

Immediately incentivize new cardholders and re-engage current ones with instant rewards that start with the first use.

Design programs that:

Increase card use

Connect in real-time by gamifying everyday spend to create rewarding habits that drive more transactions.

Design programs that:

Strengthen loyalty

Match cardholders with causes they care about through individual spending patterns.

“Partnering with Harness has allowed us to create a richer, more engaging experience for our members that was incredibly easy for our team to implement."
Jared Barr, SVP Marketing & Digital | Grow Financial Federal Credit Union | Success Story

More value together than alone. Welcome to the Harness Impact Network.

Beyond a platform—we link purpose-driven partners, with each new relationship expanding our collective reach and growth.

Ready to be part of something bigger?

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Ready to build something that makes an impact to your cardholders and business?
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