Two cards, one program
A card for every shopper
A retailer-branded Visa Signature Credit Card for qualifying shoppers, and a Smart Card no-credit-check alternative for everyone else.
Unsecured
Visa Signature Credit Card
A full Visa Signature credit card with your logo front and center — carried everywhere shoppers go.
- Real credit line, backed by Visa Signature
- Your brand in every wallet
- ~5% share-of-wallet lift among cardholders
- Rewards redeemed back in-store
Secured
Smart Card
A no-credit-check alternative available to every shopper — same branded experience, no credit approval required.
- Approval available to every shopper
- No credit check required
- Same branded experience as the Visa card
- Rewards redeemed back in-store
Why it works
Turn everyday spend into repeat visits
A branded card keeps your store top of mind long after checkout — automatically.
~5% Increase in Share of Wallet
Among cardholders — every swipe compounds.
Rewards Redeemed Back In-Store
Every redemption drives a repeat visit.
AppCard-Funded Redemptions
Rewards are funded by AppCard, not your margin.
Fully Managed Program
Marketing, servicing, compliance & fraud handled for you.
The shopper experience
In the wallet, in every checkout
Shoppers add their branded card to Apple Wallet or Google Pay in seconds — then tap to pay anywhere Visa is accepted. Every swipe at your store earns rewards that redeem right back in-lane, and transactions surface alongside their AppCard activity.
- One-tap add to Apple Wallet & Google Pay
- Tap-to-pay anywhere Visa is accepted
- Rewards earned in-store, redeemed in-store
- Transactions shown alongside AppCard activity
What's included
A fully managed program, end to end
From card design to compliance — we handle everything so your team stays focused on the store.
Retailer-Branded Credit Card
Visa Signature, your logo front and center.
Smart Card Option
A no-credit-check alternative for every shopper.
Card Design & Issuance
AppCard designs and issues every card.
Servicing, Compliance & Fraud
Fully managed on your behalf.
Launch & Marketing Support
Creative and rollout guidance included.
Grocers Earn Per Credit Card
AppCard-funded reward redemptions. No implementation cost. No subscription fees.
Get started
Three steps to launch
Sign the Program Agreement
One agreement kicks the program off — no build, no integration lift.
AppCard Designs & Issues Your Card
We design, produce, and issue your branded Visa and Smart Card.
Launch to Shoppers
Roll out with AppCard-provided creative, in-store signage, and marketing support.
Requirements
- Active AppCard Account
- Visa-Ready Point of Sale
Compliance & Support
- PCI-DSS Compliant Program
- Dedicated AppCard Account Support