able ▁Network s , ▁Bird back , ▁C lov r ▁Media , ▁and ▁Of fer m atic . ▁ ▁In ▁order ▁to ▁receive ▁and ▁use ▁C LO s , ▁consum ers ▁must ▁will ingly ▁opt ▁into ▁a ▁C LO ▁program ▁and ▁provide ▁their ▁credit / de bit ▁card ▁information . ▁ ▁When ▁consum ers ▁see ▁relevant ▁C LO - enabled ▁advert is ements ▁and ▁product ▁offers ▁while ▁brow sing ▁online , ▁using ▁a ▁mobile ▁device , ▁watching ▁TV , ▁reading ▁a ▁newspaper ▁or ▁magazine ▁or ▁listening ▁to ▁the ▁radio ▁they ▁can ▁click , ▁text ▁or ▁scan ▁a ▁Q R ▁code ▁to ▁link ▁the ▁C LO - enabled ▁ad ▁directly ▁to ▁their ▁credit / de bit ▁card . ▁After ▁consum ers ▁make ▁a ▁purchase ▁at ▁the ▁designated ▁ret ail ▁location , ▁the ▁sav ings ▁appeared ▁are ▁cred ited ▁directly ▁to ▁their ▁bank , ▁credit ▁card ▁or ▁Pay Pal ▁account . ▁As ▁such , ▁C LO s ▁eliminate ▁point - of - s ale ▁integration , ▁mail - in ▁reb ates ▁and ▁paper ▁coup ons . ▁Off ers ▁are ▁typically ▁based ▁upon ▁consumer ▁prefer ences ▁and ▁previous ▁purchase ▁history . ▁ ▁Lo yal ty ▁apps ▁ ▁In ▁recent ▁years ▁the ▁big ▁players ▁have ▁introduced ▁loyal ty ▁apps ▁in ▁replace ▁of ▁loyal ty ▁cards ▁as ▁part ▁of ▁their ▁loyal ty ▁programs . ▁These ▁apps ▁are ▁downloaded ▁onto ▁a ▁customers ▁phone . ▁The ▁most ▁notable ▁loyal ty ▁app ▁is ▁Star bu cks , ▁who ▁have ▁an ▁advanced ▁loyal ty ▁app ▁which ▁also ▁allows ▁you ▁to ▁pre -