Introducing Rewards

A card on its own doesn't earn loyalty; people need a reason to keep reaching for it, and the programs that grow are those that give them one. That part isn't new, but what's been missing is a way to build rewards into a card program without the usual mess of vendors and reconciliation.

So we built it ourselves. Today Rain is rolling out Rewards, allowing partners to add a fully-branded, integrated loyalty platform to their card program. This means no separate vendors to piece together or infrastructure to build out, while still being customizable. 

In the US, 90% of credit card spend happens on rewards cards, but for many programs, running a rewards layer is out of reach. Loyalty usually meant bringing on a separate vendor, with its own ledger and portal, then wiring it into the card and reconciling the two against each other on a delay. It's expensive, and stitching it together often takes months. Programs that would have benefited from a rewards layer just went without. 

With Rain, the rewards live in the same place as everything else. Points, earn rules, and redemption all run on the infrastructure that already handles spend and settlement, so there's no second ledger to keep in sync and no extra vendor in the middle. The points themselves are minted onchain after a transaction has settled. This means every point has a clean record, sitting in the same system that already holds the cardholder's other assets. 

Everything else is the partner’s to shape. They set their own earn rules, whether that's a flat rate across the board or extra points in the categories their cardholders care about most, with room to layer in merchant-specific campaigns whenever it makes sense. Cardholders see the partner's brand, not ours, the whole way through. And when they're ready to redeem, they do it right inside the same app, either as credit against their statement or toward hotels and flights in a white-labeled travel portal. Click through the demo below to see how the integrated rewards platform could look. 

We’re opening up Rewards to all partners because we know it works. Rewards are already live on Avalanche Card, and the results speak for themselves. Over 30 days, cardholders with Rewards spent about 25% more per day than those not enrolled, compared with their previous spending history. 

Capturing a lift like that used to mean the expensive, slow setup most programs couldn't justify. Now it's something a partner on Rain can add on top of what they already run. And for those still picking where to build their program, it's the difference between launching a card and launching one people keep coming back to. If you’re ready to explore what your business can unlock with Rain, let’s talk.