# Marqeta Credit Platform

## Credit cards built for your brand, not co-brand

Generate loyalty at every touchpoint. Create a branded consumer or commercial credit card program built for you, on a modern, flexible platform you can trust.

[Get started](/content/contact-us/index.html)

### Branded cards build loyalty that lasts.

In 2024, consumers made it clear: rewards are no longer optional. **31% of U.S. cardholders say personalized rewards are a “need to have,”** meaning they won’t even apply for a card without them. This year’s report shows how flexible, dynamic credit programs can set your brand apart and earn that coveted top-of-wallet spot.

[Get the Report](/content/resources/2024-state-of-credit/index.html)

## Credit solutions for all

### Consumer and commercial credit solutions that drive revenue and unlock loyalty

###### Consumer Credit

### Reimagine co-branded consumer credit

Unlock loyalty with customized rewards and in-depth insights designed to guide current and future interactions with your customers.

Put your brand front and center with a fully embedded credit card, seamlessly integrated with your app or website.

Deliver a modern, custom user experience that’s as unique as your brand by creating flexible reward and redemption opportunities.

Earn loyalty and open new revenue streams faster by issuing and provisioning cards instantly.

###### Commercial Credit

### Build innovative SMB and corporate cards

Optimize your customers’ cash flow with flexible options for card type and funding along with built-in spend controls that govern how the cards are used.

Deepen your relationship with your customers with a tailored credit offering – customize rewards, redemption opportunities and more.

Expand relationships and opportunities by embedding credit directly into your existing commercial or small business solution.

## Don't just expect customer loyalty. Start earning it.

### Drive loyalty for your brand with a tailored cardholder experience

Personalize rewards to your cardholders, using in-depth spend data and behavioral insights—earn loyalty across each and every touch point.

Embed your branded credit card experience directly into your app and website to keep your customers where they belong — with you.

[View demo](/content/resources/resource/designing-a-credit-card-in-the-marqeta-dashboard/index.html)

### Embed the cardholder experience into your brand

Don’t be bound by traditional credit offerings that put you in a box. Own the entire cardholder experience, from application to everyday spending.

Provide a seamless, digital-first cardholder experience and realize superior flexibility and control, using Marqeta’s modern, API-based platform.

### Remove complexity with a truly all-in-one platform

Everything you need to launch and grow your program. From underwriting and bank partnerships to customer service and rewards, we have you covered.

Expand into a full embedded finance offering with banking accounts and seamless money movement on a single unified platform.

### Bring your credit program to life with a proven partner you can trust

Tap into the expertise and guidance of payments experts who have spent over a decade bringing the most innovative consumer and commercial programs to market.

From card issuing and processing to credit servicing, innovative rewards, underwriting and more, we handle the details so you can focus on your core business.