Consumer credit solutions
Turn customers into loyal cardholders
Deliver a fully branded credit card solution that strengthens loyalty, increases spend, and keeps your business top-of-wallet.
The opportunity
Loyalty lives in the wallet
Consumer credit builds momentum. As customers use your card more often, spend increases and brand loyalty deepens.
2.7
X morespend comes from co-branded credit cardholders vs. non-cardholders 1
Create a loyalty flywheel
A consumer credit card with rewards and benefits keeps your brand top of mind and top of wallet, driving repeat spend and engagement.
Unlock a new revenue engine
Generate higher earnings through your customers’ increased spend and card-driven revenue.
Know more with every swipe
Use customer spend data to personalize rewards, improve engagement, and strengthen long-term customer relationships.
Ways to embed consumer credit solutions
Develop long-term loyalty from everyday credit use
See how leading brands are driving better results with credit solutions
Co-branded credit cards
Build retention from daily purchases
Reward and incentivize customers with a co-branded credit card, making it easy for them to choose your brand over and over, everywhere they spend.
Portfolio expansion
Strengthen your core offering
Add consumer credit as an extension of your portfolio, keeping customers inside your ecosystem while delivering value through flexible purchasing options.
Customer graduation path
Grow with your customers
Create a seamless path from banking services to credit products, so you can grow with your customers’ financial progress.
Co-branded credit cards
Build retention from daily purchases
Reward and incentivize customers with a co-branded credit card, making it easy for them to choose your brand over and over, everywhere they spend.
Portfolio expansion
Strengthen your core offering
Add consumer credit as an extension of your portfolio, keeping customers inside your ecosystem while delivering value through flexible purchasing options.
Customer graduation path
Grow with your customers
Create a seamless path from banking services to credit products, so you can grow with your customers’ financial progress.
How it works
Branded credit cards that earn cardholder loyalty
Access a platform that brings together issuing, underwriting, rewards, program management, and more.
Credit issuing, ledgers, and accounts
Issue revolving credit cards and BINs with built‑in credit ledgers, account control, and bank support that matches your program structure and growth goals.
The Marqeta advantage
Own the credit experience from card to customer
With Marqeta, you can launch and scale consumer credit without sacrificing control, speed, or brand ownership.
Flexible by design
Configure your custom credit card program to reflect your brand without rigid templates or one‑size‑fits‑all models.
Your brand, end to end
Choose an embedded credit platform that keeps customers inside your ecosystem with white‑label UX that feels native across the whole journey.
Go beyond traditional co-branding
Own more of your program, your data, and the customer relationship with a modern co-branded credit card platform that creates greater long-term value.
Meet more of your customers’ needs
Use one platform to support the full consumer financial lifecycle, from everyday banking to revolving credit.
Innovation doesn’t wait. Neither should you
Frequently asked questions
Marqeta is not a bank or a lender. Marqeta provides a technology platform to enable its customers to build out products using services offered by its bank partners.
1. According to internal Marqeta Co-Brand Analysis Research, 2024
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