Part of the Alliance Data (NYSE: ADS) family of businesses

Brand and Customer Centricity

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By being deliberately different, we deliver richer insights, more relevant connections and greater engagement for our brand partners and customers.

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What we do

Simple, smart payment and lending solutions.

As providers of market-leading payment products and digital solutions, including Bread®, we help build greater value for our partners and their customers. Consumer needs are constantly evolving, and our solutions, from branded credit programs to installment and buy now, pay later products, make it simple for customers to finance their purchases however they choose to shop. Through the industry’s most comprehensive and predictive data set, advanced analytics and broad-reaching capabilities and products, we’re proud to add tangible value for our brand partners. Always on the cutting edge of innovation and payments, we’ve been helping partners build lasting loyalty and increase sales for more than 30 years.

By being deliberately different, we deliver richer insights, more relevant connections and greater engagement for our brand partners and customers.

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Brand Partnerships

Alliance Data is a valued partner to many of the world’s most recognizable brands. While our roots are in retail, we’ve applied our expertise to an ever-expanding list of brand partners across a multitude of industries and verticals.

What we offer

Our Products

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  • Since day one, we’ve been the experts at private label credit, tailoring branded programs for some of the world’s top brands. That’s because retail is in our DNA – no one in our competitive set knows it better than we do. Time and time again, we’ve proven that we drive sales, build loyalty and add value for our partners.

  • The objective of our co-brand partnerships is clear: to grow our partners' businesses. We do that by attracting more customers, retaining more cardmembers and getting them to spend more. Through our investments in marketing, technology and innovation, we reach customers in just the right moments, creating lasting loyalty that keeps them coming back.

  • The techniques may be different, but the goal is the same: to provide business customers with more reasons to purchase, and purchase more often with you.

  • Our payment solutions are offered everywhere, anywhere people shop. Making the path to purchase even easier for customers is our buy now, pay later (BNPL) option. BNPL is a non-credit payment option powered by Bread, allowing customers to pay for a purchase using their existing credit or debit card in four equal, interest-free installments made every two weeks.

  • In store, online, or in app, we provide industry-best financing options, including installment loans, powered by Bread. A term-based, interest-bearing financing option (3, 6, 12, 18, 24 months), installment loans are specific to the product purchased.

Our Capabilities

Enhanced Digital Suite

Enhanced Digital Suite is a comprehensive solution for brand partners designed to capitalize on online trends while increasing sales and customer acquisition rates.

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Welcome customers by building connections.

When it comes to loyalty, each moment matters – that’s why our innovative acquisition capabilities leverage every interaction to turn customers into highly engaged cardmembers.

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Earn customers’ loyalty and keep them coming back.

We create lasting brand engagement by getting cardmembers to spend more, more often, through meaningful rewards and memorable interactions.

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Make it easy and earn their trust.

Customers are looking for an experience that’s simple, convenient and secure. That’s what we consistently provide, from managing their account to redeeming rewards and making payments.

Data matters. It drives everything we do at Alliance Data, and it always has.

What makes us different is our dedication and focus to data and all its possibilities. That’s why we created our Analytics and Insights Institute. It’s a testament to the importance we place on helping brands navigate an ever-changing landscape.

Our in-house data scientists and strategy team work with the most predictive data and industry-leading toolsets to reveal insights that stretch far beyond customer shopping behavior.

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Customer Care

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Customers are at the heart of the Alliance Data business, and our award-winning Care Centers are dedicated to creating a positive experience for them in every interaction. Through our best-in-class approach to customer care, we serve as an extension of our partners' brands and enhance their customers' loyalty.

Our Care Centers are in the top 5% of all U.S. call centers in the credit card industry and recently received their 16th "Center of Excellence" designation from BenchmarkPortal - an unmatched accomplishment in our industry. This prime ranking is reserved for only the top 10% of surveyed centers.

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