Stripe Issuing | Consumer Card Issuing for Customer Loyalty

Deepen customer loyalty with a consumer card program

Give cardholders flexible ways to spend with custom-branded cards, rewards programs, and digital wallet support.

Create a branded consumer card program—from custom UX to complex compliance

Build a fully branded card experience

Offer custom card designs, integrated rewards programs, and one-tap provisioning to digital wallets, all through Stripe’s APIs.

Launch faster with one integration

Stop stitching together fragmented vendors. Stripe connects KYC, ledgering, and consumer financial accounts in a single platform.

Earn revenue without compliance overhead

Capture interchange revenue on every transaction. Stripe handles program management—from credit underwriting and collections to regulatory oversight.

Pick the model that matches how your customers spend

Revolving credit card

Allow consumers to carry a balance month over month.

Set your own pricing, incentives, and rewards
Use built-in underwriting engines and ledger management
Offload collections, credit bureau reporting, and cardholder support

Ramp built its expense management platform on Stripe Issuing.

Prepaid debit card

Offer instant spend and simple wallet experience.

Provide a financial product without lending complexity
Tie to a Stripe Treasury account for fund storage
Keep your brand top-of-mind for every transaction

Better turns home equity into instant spending power for homeowners.

Consumer cards for every use case

Loyalty

Build branded card programs that deepen customer relationships and drive repeat engagement.

Gig earnings

Pay gig workers with prepaid cards linked to their earnings.

Insurance

Send claims, rebates, or rewards instantly through a prepaid card.

Incentive and rewards cards

Distribute sign-up bonuses, rewards, or incentives through a branded card program.

This is the kind of financial tool we’ve always believed bitcoin could power, and with Stripe’s infrastructure and Visa’s global reach, we can finally deliver it at scale.

Will Reeves, Chairman, CEO, and Founder of Fold

Homeowners are reaching for a credit card to pay for a kitchen renovation or backyard upgrade because the tools to access their equity haven’t evolved. We’ve built the Better Home Equity Card to fix that.

Vishal Garg, CEO and Founder of Better

Read the story

Guide

Use customer data to build your card program

Learn how leading companies design card programs around cardholder behavior to drive loyalty and repeat engagement.

Everything you need to launch a consumer credit program

Get started with Stripe’s consumer credit card issuing APIs.

Explore the docs

Webinar

Build a card program that starts with the customer

Stripe experts share best practices on how to launch a card program tailored to your customers from the ground up.

Watch the webinar

Consumer and commercial cards offered through Stripe Issuing are issued by Stripe’s bank partners under licenses from Visa U.S.A. Inc. and Mastercard International Incorporated. Commercial Charge Cards are issued by Celtic Bank, Lead Bank, Fifth Third Bank, and Cross River Bank; Commercial Prepaid and Debit Cards by Sutton Bank, Lead Bank, and Cross River Bank; Consumer Charge Cards by Celtic Bank; and Consumer Prepaid and Debit Cards by Lead Bank and Cross River Bank. All issuing banks are Members FDIC. Certain card program features are subject to bank approval. In the US, Stripe Treasury and Issuing Balances are provided by Stripe Payments Company (NMLS #1280479), a licensed money transmitter, with funds held at Stripe’s bank partners, Members FDIC. For UK users: Cards are issued by Stripe Payments UK Limited, which is an electronic money institution authorized by the Financial Conduct Authority (firm reference number: 900461). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited. For European users: Cards are issued by Stripe Technology Europe Limited, an electronic money institution authorized by the Central Bank of Ireland (firm reference number: C187865). Cards are issued under the Visa card scheme pursuant to a license from Visa Europe Limited.