Basically a credit card rewards program without the credit card. Just started using it, but it seems like when you purchase products from their partner brands (chipotle, starbucks, wholefoods, target, etc), they award you points and you can spend those points on other brand deals. If you want a sign up code: 9c07i (i think you get 1,000 points to start with). I definitely feel like I give my credit card to too many of these kinds of companies haha