Customers Recognized / Loyalty Realized

We begin with an understanding that “Loyalty” is not a program of points, incentives and jackpots.  It’s the extra mile a customer drives to visit the one place that goes an extra mile for them. It lives in the relationship between a retailer and the customer. And it’s celebrated by a purchase.  We want to be part of that transaction for the most brand conscious names in retail.

Our mission
Celebrate our merchants’ relationships with customers by creating new levels of purchase loyalty.

Our goal
The most inventive and involved provider of retail credit.

Our unique situation
The resources of one of North American largest banks delivered through a nimble group of retail card marketers - in one location and with one overarching desire to extend our client’s brand to the credit relationship.

Our Fast Facts

Our enduring belief

To “Think like retailers, not bankers” is one of our guiding principles.  It’s also the point of difference that will ensure our continued success.  Of late, we believe card based loyalty programs have been compromised by issuers’ actions to substitute unwanted products and transition retail relationships to a pure card income generation focus.

Yes, for more than 70 years, we’ve pioneered special financing and reward programs. But we’ve also learned successful partnerships are developed and administered in a way that builds on the retailer relationship - something that links to the distinctive customer experience that stands as your brand.