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Gain market share
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Start with understanding
where, when, and how people buy

Through partnerships with top banks, we have a complete view of consumer spend— including purchases they make at competitors. This purchase intelligence is the foundation of everything we do.

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Then take action with targeted ads in banks’ digital channels

Identify opportunity

Develop strategies to effectively gain market share with both new and existing customers

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Connect in our brand-safe, fraud-free platform with ads that actually give back to customers

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Pinpoint the true, incremental sales impact of campaigns both in-store and online

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We highly value Cardlytics’ consistent incremental return, which is a testament to the size and scale of the platform. Cardlytics is one of our strongest performing partners to drive customers into our restaurants.

Justin Unger

Director of Strategic Partnerships, Dunkin’

Working with Cardlytics, we’re able to get customer insights that we normally would not otherwise see in our own data.

Daniel Lane

Director Retail Marketing, Clarks

No other company we’ve worked with has been able to prove incremental improvements in ROI, and we attribute that to Cardlytics’ powerful purchase insights.

Aubrey Judson

Director of Paid Acquisition, Saatva

Cardlytics’ unique targeting capabilities ensure we can acquire new customers and redirect competitive spend to Marriott. The customer experience means that there is no perception of discounting for our brand.

Lauren Profeta

Portfolio Partnerships Manager, Europe, Marriott Hotels

Through working with Cardlytics, Sky has been able to target relevant prospective customers using Purchase Intelligence. The programme continues to drive significant volume of incremental new customers.”

Nathan Conduit

Commercial Director, Sky TV

We’re one of the largest digital ad platforms

We reach over


bank customers

And see


card swipes in the US

That adds up to over


in consumer spend each year

Which is more than


every minute

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Our story

We’re here to transform commerce. Starting with an idea formed at a kitchen table, we’ve built a native ad platform that changes the way millions of consumers buy.

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Research & Insights

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  • The cost-of-living crisis sees the return of the staycation with spend up 20% on domestic holidays
  • Tighter budgets have seen travellers swap to budget airlines with the number of trips for these brands increasing 23% year-on-year
  • Brits have been looking for ways to save with a massive 50% increase in offers and rewards claimed on travel purchases compared to last year

Consumers haven’t cut back on their holidays but are looking for cheaper options and deals as the cost-of-living crisis takes hold, according to new data from advertising platform Cardlytics.

The data, based on transactions from over 20 million UK bank accounts, shows that the number of holidays booked between April and June increased 7% on last year. However, average spend on travel across the board has flatlined. With just a 1% increase in average transaction values year-on-year, it seems that consumers are looking for ways to get away without breaking the bank.

For many this means holidaying closer to home, with staycations on the rise as domestic holiday spend increases 20% year on year. After a boom during the pandemic, UK-based getaways are back on the map with the number of trips up 40% when compared to the first quarter of this year, and up a further 4% on the same time period in 2022.

For those looking to go further afield for less, budget airlines have been the way to go. Average spend at these airlines has increased by 3% compared to last year. Whilst some of this can be attributed to increasing prices, the number of trips people have booked with these brands has followed a similar trajectory, rising a massive 23% compared to 2022. As travelers trade down, long-haul airlines have seen slower growth in the number of bookings at just 2% increase year-on-year. Whilst average spend with these brands has seen an uptick of 6% since last year, the lower number of trips indicates this increase is likely due to fuel increases and inflation leading to increased costs.

Getting the best rewards and discounts is top of mind for consumers looking to save on their summer travel, as cashback redemptions on these purchases see a 50% increase between April and June compared to last year.

Many holidaymakers have turned to package deals for not only value but convenience. Whilst average spend is down 2% year-on-year, the number of package holidays booked is up 13% on last year showing that consumers are still purchasing these deals, but they’re looking for the cheapest options.

Reinforcing that trend, online travel agents have also seen growth, with the number of trips booked up 22% on last year. This is coincided with a 5% rise on average transaction values, with inflation likely the cause behind this.

Hannah Collins at Cardlytics said: “With the summer break well under way, we are now starting to see the real effect the cost-of-living crisis is having on consumer travel spending. Whilst it’s positive that people are still booking getaways, price is becoming an increasingly important differentiator. Travel brands need to show they understand customer needs with tailored discounts and rewards in the channels they use most to encourage spend. This will be key in attracting those seeking a last-minute summer deal or a cheaper Autumn break.”


Cardlytics data is based on spending from over 20 million UK bank accounts. This data is based on spending between (unless stated):

  • 30th March – 29th June 2023
  • 31st March – 30th June 2022

About Cardlytics

Cardlytics (NASDAQ: CDLX) is a digital advertising platform. We partner with financial institutions to run their banking rewards programs that promote customer loyalty and deepen banking relationships. In turn, we have a secure view into where and when consumers are spending their money. We use these insights to help marketers identify, reach, and influence likely buyers at scale, as well as measure the true sales impact of marketing campaigns. Headquartered in Atlanta, Cardlytics has offices in Palo Alto, New York, Los Angeles, and London. Learn more at

  • January saw gym subscriptions increase 14% and balanced meal kits rise by 11% compared to December as consumers look to kick off a healthier new year
  • Gym subscriptions have remained resilient seeing year-on-year spend increase 12%
  • But meal-kits, fruit and vegetable delivery boxes and at-home gym plans have all seen weaker spend compared to January 2022 as consumers cut back on non-essentials

New year’s resolutions drive an increase in spending on health and fitness subscriptions in January, but overall spend is down year-on-year driven by cost-of-living cutbacks, according to new data from digital advertising platform, Cardlytics.

New spend data from over 24 million UK bank accounts revealed that spending on gym subscriptions increased 14%, whilst at home workout plans and healthy meal kits both rose by 11% between December and January.

Traditional gyms have come out on top with continued increases in spend year-on-year, rising 12% from January 2022. But the same can’t be said for all health and fitness related subscriptions as consumers reign in their spending amid the cost-of living crisis.

Despite the expected month-on-month increase in January as people kick off their healthy habits for 2023, tighter budgets mean that demand for at home gym plans has declined when compared to last year, with spending falling 25%.

New year means new members for gyms - but at-home subscriptions face a decline

Fitness goals have long been a part of new year’s resolutions for many, and this year has been no different. Traditional gyms such as David Lloyd and LA Fitness saw a 13% increase in transactions when compared to December which drove an 18% uptick in overall spend.

But whilst gym subscriptions are on the up, at-home fitness subscriptions face a decline. The pandemic drove a boom in sign-ups with transactions increasing 1070% since 20191 however this success has been difficult to maintain and spend this January is down 25% on last year as consumers leave behind their living room workouts.

Meal kits remain convenient for the health conscious

Healthier eating is always top of the agenda in January, and one of the easiest ways for people to switch up their diets is with balanced meal kits - which saw an 11% rise on December. However, compared to last year, balanced meal plans, and grocery delivery boxes are down, as spending on fruit and vegetable boxes fell 16% whilst meal kits fell 9% on January 2022.

Since 2019, meal plan subscriptions such as Hello Fresh, Mindful Chef and Gousto have seen an astronomic growth in popularity with spend rising by 379%2. But this trajectory may have reached its turning point as consumers cut-back on nonessentials with spend declining 9% compared to January last year.

Grocery boxes of fruit and vegetable deliveries have faced similar difficulties when it comes to subscriptions as the cost-of-living crisis drives up the price of produce. Spend fell 20% between December and January and is down 16% on last year.

January typically represents a clean slate for consumers who use the new year as an opportunity to not only set goals but also assess their finances and evaluate areas to cut back.

The convenience of subscriptions allows brands to capitalise on such resolutions but this year’s dampened spending, particularly across the health and fitness space, could provide an indication of what retailers can expect in 2023.

Brands need to recognise and understand changing consumer needs in the face of rising costs, offering tailored promotions, cashback and discounts on the subscriptions that matter most, to help build loyalty in the long term."

Sharina Mutreja, Partnerships Director, UK

About Cardlytics

Cardlytics (NASDAQ: CDLX) is a digital advertising platform. We partner with financial institutions to run their rewards programs that promote customer loyalty and deepen relationships. In turn, we have a secure view into where and when consumers are spending their money. We use these insights to help marketers identify, reach, and influence likely buyers at scale, as well as measure the true sales impact of marketing campaigns. Headquartered in Atlanta, Cardlytics has offices in Palo Alto, Los Angeles, New York and London. Learn more at

1 Transactions in January 2019 compared to the same period in January 2023

2 Spend in January 2019 compared to the same period in January 2023

The travel industry has shaken off stagnation, showing growth in the first three months of this year according to new data from digital advertising platform, Cardlytics.

New spend data from over 24 million UK bank accounts for the period 1 st January to 31 st March 2023 has revealed that spend on flights and holidays has risen 27% in the first three months of this year compared with 2022, an increase of 40% from pre-pandemic levels.

For airlines, the number of transactions rose by 36% year-on-year between 1 st January and 31 st March 2023, while bookings for package holidays were up by over a quarter (27%) over the same period.

However, as consumers continue to feel the impact of rising inflation, there are signs that people are seeking out budget-friendly options. Low-cost airlines saw spend rising at a faster rate than the rest of the industry, up 42% year-on-year in Q1, compared with a 29% increase for other airlines.

At the same time, the number of people redeeming discounts and offers through their bank accounts for travel purchases rose sharply at 79% year-on-year as customers look for deals and offers to mitigate the impact of rising prices.

Whilst spend is on the rise, average transaction values have grown at a slower rate than inflation, indicating that consumers are seeking out cheaper alternatives for holidays and looking for lower-cost deals. The average amount people spent on standard flights fell by 2% year-on-year to £342.69, while spend on budget airlines grew by 12% to £137.50. Package holidays grew by 7% year-on-year to an average of £538.68 per transaction.

Shifting away from pandemic habits

Last year’s travel disruption has left an impact on consumer purchase habits with cancellations and refund difficulties, leading to the number of travel purchases made through comparison sites falling 12% in 2022. Whilst aggregators have seen a slight recovery in the first quarter of 2023, transactions are still down 2% on pre-pandemic figures.

In contrast, direct bookings through providers have increased compared to pre-pandemic levels, with transactions directly through airlines increasing 50%, while package holidays have seen a 41% growth in transactions since 2020.

The pandemic saw the rise of the domestic holiday – quickly dubbed the ‘staycation’ – and transactions at UK holiday providers such as Parkdean, Centreparcs, Butlins and Haven Holidays peaking last year, with 692,000 transactions in the first three months of 2022. In contrast, this year transactions on such trips fell by 23%. International package holidays grew by 27% over the same period, as people swapped local breaks for more exotic destinations.

Mike Glegg, VP of Sales at Cardlytics, commented:

“The travel industry will be buoyed by strong consumer spend in the first quarter of 2023 following a turbulent few years of lockdowns, cancellations and delays.

“It’s encouraging to see increased confidence in bookings despite tighter budgets and rising prices, but aggregators will now be looking to capitalise on this and win-back trust from their customer base after last summer’s disruption.

“Travel brands will now need to consider how to reward loyal customers and continue winning new segments of the market. Investing in discounts and loyalty programs will be critical to achieving this, demonstrating their value for consumers, particularly as rising prices continue to constrict budgets.”

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