The corporate rewards economy
Somebody else is paying for your discount.
Employee perks marketplaces. Airline shopping portals. Card-linked offers. Points programs. Different badges, one machine — and the company offering the benefit usually isn't the one funding it.
Where $100 goes in a merchant-funded perk
Shopper discount Platform commission Merchant net
Illustrative. The employer pays nothing — which is exactly why the model scales. The merchant is buying access to a pre-qualified audience and only pays when a transaction happens.
36%
of Fortune 50 companies run an employee discount marketplace through a single vendor, BenefitHub — which also serves five of the ten largest U.S. employers.
BenefitHub, 2025
32B
loyalty program memberships forecast globally in 2026, a rise of roughly a third year over year.
Visa Navigate
$9.2B
card-linked offers market in 2025, projected to approach $27B by 2034 at a low-double-digit growth rate.
Industry forecasts, 2026
Reporting
Inside the corporate perks economy
Who really pays for your employee discount — the four pricing models, the merchant-funded mechanic, and what the vendor's incentive tells you about the catalog.
VendorsWho actually runs corporate America's perks programs
A neutral map of the enterprise market — ownership, pricing models, and the quiet roll-up that left the category in very few hands.
NextAirline and card shopping portals
Why an airline runs a shopping mall, where the miles come from, and who absorbs the cost.
NextCard-linked offers, explained
The fastest-growing segment in rewards, and the one least clearly written about.
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