![card-linked offers feature](https://multichannelmerchant.com/wp-content/uploads/2021/06/credit-card-transaction-feature-safe-300x159.jpg)
Card-Linked Offers Work But Need Improvement
Card-linked offers, such as “get 5% cash back at Retailer X,” have become ubiquitous in online banking. And although targeting has improved, they’ve looked fairly similar for a while. Consumers ask “Why don’t I get offers from merchants I spend the most with?” The answer has to do with the limitations of bank-transaction data.