Interest Rate Boost

Tellus USA bundles a credit card and cash loan with a behavioral incentive model. Customers who pay on time and meet spend goals can activate a monthly Interest Rate Boost, lowering their loan to 5.29% for that month. This opt-in reward loop builds engagement while reinforcing discipline and risk control.

Use Cases

Enhance customer loyalty by rewarding fiscal responsibility with lower interest rates after meeting specific spending and payment criteria.

Innovation Metrics

Mortgage Boost

Citibank USA

Payment streaks

Sezzle

Refinancing booster

Chase

Multi-tier rewards

Bank of America

Bonus Rate

TSB