Credit Card Rewards & Merchant Categorization for AI

Credit Card
Rewards Intelligence
for AI

Comprehensive merchant categorization and credit card rewards calculation APIs.

Accurate. Scalable. Plug-and-play.

Unmatched Coverage

All Major Credit Cards,
One Unified Solution

Uthrive enriches rewards and merchant categorization for transactions from every major U.S. credit card issuer.

Dataset with coverage of 90%+ US consumer spending
Say hello to accuracy and personalization
Ensure your AI tools never miss an opportunity

Comprehensive Engine

Automatically Capture
Every Reward, Cashback,
and Benefit

Our advanced AI parses the full landscape of rewards, points, cashback, offers and exclusive cardholder perks. With up-to-date rewards intelligence at your fingertips:

Deliver holistic value to end-users
Optimize every dollar spent
Maximize rewards and benefits

Ready for AI

Let Uthrive Do
the Heavy Lifting

Forget vague merchant categories. Our proprietary model delivers precise, context-rich categories designed for AI-driven personalization.

Fuel ML models, recommendation engines, and reporting tools with granular, merchant-specific spend and rewards insights.

Next-Level Merchant Categorization for AI

Our infrastructure cleans, classifies, and enriches your transaction streams in
real-time—so you can focus on building differentiated experiences.

Merchant Categorization That Makes Sense for AI

Real-Time
Rewards Mapping Engine

Simple API
Integration

Built for LLMs, Agents & Fintech Apps

From Swipe to Insight in Milliseconds

Our infrastructure cleans, classifies, and enriches your transaction streams in
real-time—so you can focus on building differentiated experiences.

Ingest

Raw transaction data (credit
card, merchant names, amounts),
or simply a merchant name. 

Enrich

Normalize merchants,
classify spend categories,
calculate rewards.

Deliver

Cleaned, contextualized
best card/rewards
advice via API

Who It's For

Built for Builders

Whether you're powering an intelligent financial co-pilot, AI infra for verticalised assistant, or
a next-gen Agentic commerce—Uthrive gives your AI the rewards data advantage.