Loyalty & Rewards

Increase cardholders, grow revenue, and retain members

Bring your debit and credit cards to top-of-wallet. Loyalty and rewards solutions from CO-OP can help engage with appealing incentives, while delivering analytics that offer a deeper understanding of your members.

More than 100 Million Americans are credit union members. How many are fully engaged?

Member Rewards by CO-OP

Engage with your cardholders, encourage greater card usage and build loyalty for the long run with Member Rewards by CO-OP. For members: an intuitive, integrated interface designed to make rewards easy to track and redeem. For you: a configurable program that delivers effective analytics and targeting, outstanding rewards choices and turnkey operational simplicity. 

  • Choose from a feature-rich standard program or a configurable offering created just for you.
  • Reward members with the industry’s most robust merchant-funded network of card-linked offers, ShopSPOT by CO-OP.
  • Engage with members on-the-go with a mobile-optimized site or an API you can integrate into your mobile banking app.
  • Expand incentives beyond the card to include other credit union products like primary accounts and loans.


Your rewards program is only as compelling as the rewards you offer. With ShopSPOT by CO-OP, you can reward your members with bonus points, discounts and special buys at 3,500 online retailers, including national brands like Macy’s, Best Buy and Target – as well as with exclusive local offers that set your credit union apart.

Plus, you get marketing and merchant support to help build awareness and encourage participation, while also keeping credit union costs under control.