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 rewardsA new partnership is a setting you switch on, not a program you build. Customers add it to their profile — and their card starts earning there, instantly.
Earning that follows the customer.
Single card connectivity
One physical or digital card connected to every program you enable from the network.
Loyalty profiles
Customers choose where to earn — one program, or split across several — in your app. The card applies it automatically.
Simultaneous earning
A single transaction can accrue to multiple programs at once, split by the member's own allocation.
Consolidated settlement
However many programs a transaction touches, you clear one position covering all of them.
From integration to earning, in three steps.
Integrate once
Connect to the Cosmo API with our lightweight SDK. Minimal engineering for full network access.
Enable programs
Select which network programs your card supports, from the partner dashboard. A configuration, not a launch.
Customers choose where they earn
Every transaction earns according to the customer's loyalty profile — across each enabled program, automatically.
Every program your
customers love. One card.
Give users the rewards they actually want — without adding a single integration per program.