# Cardlytics

**Canonical:** https://apis.io/providers/cardlytics/  
**Website:** https://www.cardlytics.com/  
**APIs profiled:** 3

Cardlytics is a commerce media platform that uses first-party purchase data from its financial-institution partners to help advertisers reach consumers inside banking apps with card-linked offers and measurable, closed-loop attribution. Advertisers plan, launch, and measure card-linked campaigns through Ads Manager and advertiser APIs, while banks and neobanks (publishers) embed Merchant Offers and the Cardlytics Rewards Platform into their digital channels via publisher APIs and SDKs. The company also operates the Dosh card-linked network and the Bridg offline purchase-intelligence business, giving advertisers person-level measurement across online and in-store spend. Cardlytics publishes three OpenAPI 3.0.1 definitions through its ReadMe developer hub — a Partner API for advertiser merchant and offer ingestion, reporting and a daily redemption feed; a Campaign Build API covering the Ads Manager campaign object model; and a Publisher API v2 for the bank-side rewards experience — alongside iOS, Android and web SDKs. Nothing is self-service: every credential is issued by an account manager under a partner agreement, and the API hosts answer 403 to anonymous callers. Cardlytics is a public company (NASDAQ: CDLX) and its platform is an enterprise, partnership-based product rather than a self-service developer API.

## Kin Score — 57.9 / 100 (strong)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 57.9).

| Facet | Score |
|---|---|
| Discoverability | 92.6 |
| Contract Quality | 53.1 |
| Governance | 20.8 |
| Operational Transparency | 63.2 |
| Developer Ergonomics | 71.7 |
| Commercial Clarity | 50.0 |

Regulatory layer — **Banking & Open Finance**: 59.5 (matched via tags).

## Agent readiness — 61.3 (agent-ready)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | yes |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | partial |
| Rate Limit Signal | documented |
| Event Surface Described | yes |
| Agent Skills | yes |
| Well Known Catalog | yes |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Enterprise, partner-gated — onboarding: unknown, pricing: enterprise, trial: no (confidence: high).

## APIs (3)

- **Cardlytics Partner API** — The advertiser-partner integration surface. Partners upsert and delete merchants and offers keyed on their own external identifiers, pull aggregate merchant/offer performance me...
- **Cardlytics Campaign Build API** — The Ads Manager campaign object model — Campaigns, AdGroups, Ads, Audiences, AudienceReach, Rewards, PricingModels, RedeemingMerchants, Geo, PurchaseCategories, AuditLogs and pe...
- **Cardlytics Publisher API v2** — The bank-side rewards platform API. A publisher opens an institution- or customer-scoped session, retrieves ranked targeted card-linked offers for a customer, and reads that cus...

## Agentic access (1)

- **Cardlytics Agentic Access** — 86 operations · 36 acting · 2 human-in-the-loop

## Security (3)

- **Cardlytics Authentication** — oauth2/mutualTLS/http/custom-session-token · 6 schemes
- **Cardlytics Domain Security** — TLSv1.3 · HSTS · DMARC
- **Cardlytics Trust Center** — SOC 1, SOC 2, SOX

## Plans (1)

- **Cardlytics Plans Pricing**

## Tags

Company, Advertising, Commerce Media, Card-Linked Offers, Purchase Intelligence, Financial Services, Loyalty and Rewards, Marketing, Banking, Retail Media, Attribution, Offers

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/cardlytics/). Scores are computed from the provider's own public artifacts under a published rubric.