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Best white-label travel rewards platforms for banks (2026)

By John Taylor Garner, Founder & CEO, Odynn · Last updated 9, 2026

Awayz is the only platform in this comparison built as a connected suite — search, card recommendation, points exchange, conversational booking, and analytics — instead of a single standalone booking engine: one integration that grows with the program, not another engine bolted onto the stack.

Book a demoSee how Awayz works

Disclosure: Odynn makes Awayz. Competitor information comes from each vendor’s public website, case studies, and press coverage as of November 5, 2026, with sources linked below.

The short answer

For a bank, card issuer, or fintech adding travel booking and points redemption, the main buy options are Awayz by Odynn, Switchfly, Arrivia, Rocket Travel by Agoda, and iSeatz. Building in-house is the other path.

Awayz is the only platform in this comparison sold as a connected, modular suite. It covers travel search and booking, card recommendation, points exchange, conversational AI booking, and loyalty analytics behind one integration. Its customers include ANZ Bank, Bilt Rewards, Flight Centre, and Curve[tfn], and it launches in weeks rather than years[tfn][ignite].

The other vendors are strong in specific areas:

  • Rocket Travel by Agoda has hotel-led supply backed by Agoda and Booking Holdings.
  • Arrivia reports the highest published airline count (700+), plus cruises and home rentals that Awayz doesn’t list; American Express and Bank of America appear among its publicly listed clients[arrivia-clients], though without case-study detail for either.
  • iSeatz extends redemption beyond travel into everyday spend.

How we’re comparing them

The same six criteria, applied to every option below.

  1. 01 Inventory depth Flights, hotels, cars — GDS vs. NDC vs. single-supplier.
  2. 02 White-label / embeddability Full API vs. iframe/widget vs. redirect.
  3. 03 Points redemption Native card-linked points, or bolt-on only.
  4. 04 Implementation time Weeks vs. months vs. a multi-year build.
  5. 05 AI and agentic readiness Conversational booking, and SDKs an AI agent can call.
  6. 06 Public proof Financial-institution clients each vendor names publicly.

The comparison

Six options, judged on the same six criteria.

Inventory counts and launch times are each vendor’s own published figures as of November 2026.

Product and commercial terms

PlatformInventoryWhite-labelPoints redemptionImplementation
Awayz by OdynnFull inventory coverage via aggregated GDS + NDC, including Duffel and Booking.com supply — 500+ airlines, 2M+ hotels, 40+ car rental agenciesFull API; standalone site, embedded experience, or iFrame/SDK inside existing appsNative, built for card-linked points, with live loyalty pricing from dozens of programsMedian 6-8 weeks
SwitchflyFlights, hotels, cars, activitiesWhite-label platform, API-based (OpenAPI-documented)Points, cash, or points+cashWeeks (no median stated)
Arrivia700+ airlines, 1M+ hotels and homes, cars, cruises, and activitiesWhite-label portal — standalone, API, or SSOPoints and miles30–90 days, per its own FAQ
Rocket Travel by AgodaHotel-led, via Agoda and Booking Holdings supply; flights and cars also offeredFully white-label branded portal, hosted on-prem or in the cloudBuilt for points/miles earn-and-redeem, with bank-card partnershipsScoped per engagement
iSeatzFlights, hotels, and cars, plus dining and activitiesAPI-first platform; branded digital experiences built on its own APIsCash, points, or split-payScoped per engagement
In-house buildDepends on negotiated GDS/NDC contractsFull controlFull control12–18+ months, ongoing

Readiness and proof

PlatformAI / agentic readinessNamed FI / loyalty clientsBest for
Awayz by OdynnOdynnBot conversational booking; Awayz Agentic SDK, MCP supportANZ Bank, Bilt Rewards, Flight Centre, Curve, Loop, Fasten Rewards; deployments with Symphony and RentdBanks, issuers, and fintechs that want travel, points, card recommendation, and AI booking from one integration
SwitchflyMarkets AI as personalization and recommendations, not a booking assistant; no public chatbot or agentic feature foundPublic case studies feature travel brands such as Marriott and United, not banks or card issuersFlexible points+cash checkout from an established vendor
ArriviaVIA, its AI suite, includes RateRover (price-drop alerts) and SmartCal (personalized getaway suggestions from calendar sync); public materials describe suggesting and alerting, not autonomous bookingAmerican Express and Bank of America appear among its publicly listed client logos; no case study or deployment detail published for eitherIssuers wanting a broad published catalog
Rocket Travel by AgodaRoom-title translation and a support IVR are its named AI features; no conversational or agentic booking assistant found under the Rocket Travel brandCiti Travel (formerly Citi ThankYou Travel)Issuers wanting Agoda/Booking Holdings hotel supply behind a bank-loyalty portal
iSeatzPublishes AI/personalization thought leadership ("AI as concierge"); no shipped conversational or agentic booking product as of November 2026American Express, IHG, and Wyndham appear on its own partners pageIssuers wanting redemption that extends past travel into everyday lifestyle spend
In-house buildWhatever you build—Teams with travel-tech expertise and a multi-year runway

  • Awayz by Odynn

    Best for: Banks, issuers, and fintechs that want travel, points, card recommendation, and AI booking from one integration

    The real differentiator against the options below isn’t inventory or points support — most of them already do that for banks. It’s that Awayz is one module of a connected suite (Traveler DNA for personalization, Card Curator for card recommendation, Points Exchange, OdynnBot for conversational booking, Awayz Data for analytics), so an issuer can take one piece or the whole stack rather than swapping in a single standalone booking engine. Less of a fit for a team that only wants a booking widget and nothing else. Customers include ANZ Bank, Bilt Rewards, Flight Centre, and Curve[tfn], with deployments at Symphony[symphony] and Rentd[rentd], and it launches in weeks rather than years[ignite].

    See how Awayz works

  • Switchfly

    Best for: Flexible points+cash checkout from an established vendor

    An established white-label vendor (formerly ezRez Software, founded 2003)[switchfly-history] with points, cash, or points-plus-cash checkout[switchfly-platform]. Its public case studies name travel brands like Marriott[switchfly-marriott] and United[switchfly-united], not banks or card issuers — ask for a reference in this vertical before assuming fit. Switchfly’s own materials describe launching in weeks[switchfly-launch], and its AI work is framed as personalization and recommendations rather than a booking assistant[switchfly-ai].

  • Arrivia

    Best for: Issuers wanting a broad published catalog

    A broad catalog — 700+ airlines and 1M+ hotels[arrivia-product] — and American Express and Bank of America appear among its homepage client logos[arrivia-clients], but Arrivia publishes no case study or deployment detail for either, so ask for a reference before assuming fit. It states a 30–90 day launch range[arrivia-timeline].

  • Rocket Travel by Agoda

    Best for: Issuers wanting Agoda/Booking Holdings hotel supply behind a bank-loyalty portal

    The joint B2B partnerships arm of Rocket Travel and Agoda (Booking Holdings)[rocket-announce], built for bank and airline loyalty portals. Hotel supply is its strongest leg, backed by Agoda and Booking Holdings inventory[rocket-whitelabel]; Citi Travel, formerly Citi ThankYou Travel, is a public deployment[rocket-citi]. Its named AI features are room-title translation and a support IVR, not a conversational booking assistant[rocket-ai].

  • iSeatz

    Best for: Issuers wanting redemption that extends past travel into everyday lifestyle spend

    A long-running vendor (founded 1999)[iseatz-about] that lists American Express, IHG, and Wyndham as partners on its own site[iseatz-partners]. Its scope extends past travel into everyday redemption — dining and activities[iseatz-platform]. It publishes AI-as-concierge thought leadership, but no shipped conversational or agentic booking product[iseatz-concierge].

  • In-house build

    Best for: Teams with travel-tech expertise and a multi-year runway

    Full control, but the real cost is GDS/NDC contract negotiation and multi-year engineering investment, not just development time. Makes sense only for an organization with travel-tech expertise already in house and a long time horizon.

What sets Awayz apart

  • One integration, a connected suite

    Switchfly, Arrivia, Rocket Travel, and iSeatz each center on a booking and redemption engine. Awayz is one module of a modular platform: a program can start with the white-label portal or Points Exchange and add Traveler DNA (personalization), Card Curator (card recommendation), OdynnBot (conversational booking), or Awayz Data (loyalty pricing analytics) later, without a second integration project.

  • Points value that's live, not static

    Dynamic award pricing broke static points charts. Awayz pulls live loyalty pricing from dozens of airline, hotel, and bank programs, so cardholders see what their points are actually worth inside the issuer’s branded portal.[ignite]

“Banks, fintechs, and card issuers should not have to spend years building the infrastructure required to deliver modern rewards experiences.”
— John Taylor Garner, Founder & CEO, Odynn[atomic]

Measured lift over legacy portals

108%
more travel portal visits
2.24x
total travel bookings
364%
more travel points redemptions

Odynn reports these improvements over major legacy OTA solutions[tfn], and says most customers reach profitability within months, versus years with traditional providers[ff]. These figures are company-reported, not independently audited.

Built by points-and-miles specialists. Odynn evolved from Card Curator, a consumer card-optimization app founded in 2018. The company launched as Odynn in 2022 and raised a $9.5M seed round in February 2026[cbi][phocus]. Its partners include Duffel, Plusgrade, and Wildfire.[tfn]

Which one should you choose?

  • Choose Awayz by Odynn if you want travel, points, card recommendation, and AI booking from one integration that can grow with the program instead of a single bolted-on booking engine, live in weeks.
  • Choose Switchfly if flexible points-and-cash checkout matters most and you’re willing to ask for a banking reference before committing.
  • Choose Arrivia if a broad catalog matters more to you than a documented bank-vertical deployment, since Arrivia names bank and card-issuer logos but no case study for either.
  • Choose Rocket Travel by Agoda if hotel inventory depth matters more than flight or car coverage, and Agoda’s supply chain is already familiar.
  • Choose iSeatz if redemption needs to extend past travel into everyday spend, backed by a vendor with a long industry track record.
  • Choose In-house build if travel is core to the product, not a feature next to it, and the engineering runway exists for a multi-year build.

Questions worth asking before you decide

What is the best white-label travel platform for a bank's rewards program?

It depends on what the program needs. Awayz by Odynn fits banks and issuers that want booking, points redemption, card recommendation, and AI booking from one integration; its customers include ANZ Bank and Bilt Rewards. Rocket Travel by Agoda is strongest for hotel-heavy programs. Arrivia reports the highest published airline count, plus cruises and home rentals. iSeatz suits programs that redeem beyond travel.

How long does it take to launch a bank travel portal?

With Awayz, it takes weeks; typically 6-8. Switchfly also cites weeks. Arrivia states a 30–90 day range. Rocket Travel and iSeatz scope timelines per engagement. An in-house build typically takes 12–18 months or more.

What are the alternatives to Switchfly or Arrivia for banks?

The main alternatives are Awayz by Odynn, Rocket Travel by Agoda, and iSeatz. Awayz differs by offering a connected suite (booking, points exchange, card recommendation, conversational AI, analytics) rather than a standalone booking engine.

Do we have to adopt the whole Awayz platform at once?

No. Most programs start with one module, commonly the Awayz white-label portal or Points Exchange. They add Card Curator, Traveler DNA, OdynnBot, or Awayz Data later, and each integrates once.

Does Awayz support AI and agentic booking?

Yes. OdynnBot provides conversational booking for every customer, not only top-tier cardholders. The Awayz Agentic SDK embeds travel and loyalty natively into an issuer's app and AI experiences.

Is Awayz a good fit for a credit union or smaller institution?

Yes — Awayz's modular pricing lets a smaller program start with one module, such as the white-label portal or Points Exchange, rather than committing to the whole suite.

What's the difference between GDS and NDC inventory?

GDS (global distribution system) inventory comes through legacy networks such as Sabre, Amadeus, and Travelport. NDC (New Distribution Capability) is the IATA standard airlines use to distribute fares directly, often with richer fare options and ancillaries. Awayz aggregates both.

Who uses Awayz?

Customers named in press coverage include ANZ Bank, Flight Centre, Bilt Rewards, Curve, Loop, and Fasten Rewards. Symphony and UK rent-rewards app Rentd have also embedded Awayz.

About the author

John Taylor Garner is the founder and CEO of Odynn.

Before founding Odynn, he spent more than five years as a volatility trader at Merrill Lynch[bio]. He serves on the Forbes Advisor Board[bio] and holds a B.A. from Dartmouth College and an M.B.A. from The Wharton School. He is regularly quoted as a credit card rewards expert, including in 2026 WTOP coverage of rent-rewards[wtop1] and budget credit cards[wtop2].

LinkedIn

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As covered in

Sources

  1. [tfn] Tech Funding News, “'Shopify for loyalty travel' Odynn raises $9.5M to build bank travel portals in weeks,” Feb 2026. Customers, partners, and company-reported uplift metrics. https://techfundingnews.com/shopify-for-loyalty-travel-odynn-raises-9-5m-to-build-bank-travel-portals-in-weeks/
  2. [phocus] PhocusWire, Odynn seed funding coverage, Feb 2026. https://www.phocuswire.com/odynn-seed-funding
  3. [ff] FinTech Futures (press release), “Odynn Raises $9.5M Seed Round,” Feb 19, 2026. https://www.fintechfutures.com/press-releases/odynn-raises-9-5m-seed-round-to-disrupt-travel-portals-with-personalized-ai-infrastructure
  4. [cbi] CB Insights, Odynn company profile. Deployment modes, founding year, funding. https://www.cbinsights.com/company/odynn
  5. [ignite] Ignite Ventures, “How Odynn Powers Better Travel Redemption Platforms,” Ep. 150. Implementation time, supply sources, live loyalty pricing. https://insights.teamignite.ventures/p/ignite-startups-how-odynn-powers
  6. [atomic] Business Wire, “Atomic and Odynn Partner to Help Financial Institutions Become the Primary Card in Their Customers' Wallets,” Jul 7, 2026. Traveler DNA’s use of Atomic’s Uplink for account connectivity. https://www.businesswire.com/news/home/20260707027555/en/
  7. [symphony] Business Wire, Symphony/Odynn savings-app announcement, Jun 3, 2026. Symphony’s points-and-miles savings app integrating Awayz. https://www.businesswire.com/news/home/20260603744854/en/
  8. [rentd] “Rentd Launches UK's First Rewards Program That Turns Rent Into Travel,” Sep 2026. https://www.mycarrollcountynews.com/online_features/press_releases/article_668b5262-80a5-50a1-8530-7f75308a521e.html
  9. [bio] Terrapinn Aviation Festival speaker profile. https://www.terrapinn.com/conference/aviation-festival/speaker-johntaylor-GARNER.stm
  10. [wtop1] WTOP, “Is Bilt the Best Credit Card to Pay Rent?” May 2026. https://wtop.com/news/2026/05/is-bilt-the-best-credit-card-to-pay-rent/
  11. [wtop2] WTOP, “Sticking to a Tight Budget? Here Are 6 Credit Cards That Could Work,” Aug 2026. https://wtop.com/news/2026/08/sticking-to-a-tight-budget-here-are-6-credit-cards-that-could-work/
  12. [switchfly-platform] Switchfly, white-label travel platform product page. Inventory breadth and points/cash/points+cash checkout. https://www.switchfly.com/features/white-label-travel-platform
  13. [switchfly-history] PR Newswire, “Switchfly, Inc. Secures $15 Million...,” 2012. Confirms the ezRez Software rename and 2003 founding — no longer stated on Switchfly's current site. https://www.prnewswire.com/news-releases/switchfly-inc-secures-15-million-to-further-expand-saas-products-globally-in-travel-loyalty-and-payments-141911503.html
  14. [switchfly-marriott] Switchfly case study (via casestudies.com), Marriott Vacations Worldwide. https://www.casestudies.com/company/switchfly/case-study/marriott-international-inc-customer-case-study
  15. [switchfly-united] Switchfly case study (via casestudies.com), United MileagePlus. https://www.casestudies.com/company/switchfly/case-study/united-airlines-customer-case-study
  16. [switchfly-launch] AccessWire, “Switchfly Accelerates Travel Loyalty Platform to Power Global Rewards Programs,” Nov 6, 2025. Source of the "weeks, not years" launch claim. https://stocks.observer-reporter.com/observerreporter/article/accwirecq-2025-11-6-switchfly-accelerates-travel-loyalty-platform-to-power-global-rewards-programs
  17. [switchfly-ai] Switchfly, AI/ML travel-personalization product page. https://www.switchfly.com/features/machine-learning-and-artificial-intelligence-travel-personalization
  18. [arrivia-product] Arrivia, product page. Inventory figures, standalone/API white-label model, points/miles redemption. https://www.arrivia.com/product/
  19. [arrivia-clients] Arrivia homepage, “Trusted by the brands you know” client logos, including American Express and Bank of America. https://arrivia.com/
  20. [arrivia-timeline] Arrivia, white-label travel solutions FAQ. States a 30–90 day launch range depending on complexity. https://www.arrivia.com/insights/white-label-travel-solutions-booking-engines/
  21. [rocket-announce] Rocket Travel by Agoda, launch announcement. Describes it as the joint B2B partnerships arm of Rocket Travel and Agoda (Booking Holdings). https://www.rockettravel.com/blog-articles/announcing-rocket-travel-by-agoda
  22. [rocket-whitelabel] Rocket Travel by Agoda, white-label solutions page. Inventory, branding, hosting, and points/rewards model. https://www.rockettravel.com/solutions/whitelabel
  23. [rocket-citi] Rocket Travel by Agoda, Citi Travel launch announcement (the portal formerly known as Citi ThankYou Travel). https://rockettravel.com/blog-articles/citi-launch-announcement
  24. [rocket-ai] Rocket Travel by Agoda, “AI at Rocket Travel by Agoda.” Room-title translation and a support IVR; no named conversational or agentic assistant. https://www.rockettravel.com/blog-articles/ai-at-rocket-travel-by-agoda
  25. [iseatz-about] iSeatz, company “About” page. Founded 1999. https://www.iseatz.com/about-iseatz
  26. [iseatz-platform] iSeatz, platform overview. API-first architecture; cash, points, or split-pay checkout. https://www.iseatz.com/our-platform
  27. [iseatz-partners] iSeatz, “Work With Us” page. Lists American Express, IHG, and Wyndham as partners — iSeatz's own word, not "clients." https://iseatz.com/work-with-us
  28. [iseatz-concierge] iSeatz blog, “The Future of Personalized Experiences: AI as Concierge.” Thought leadership; no named shipped AI product. https://www.iseatz.com/blog/the-future-of-personalized-experiences-ai-as-concierge

Build vs. buy

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A full API and white-label front end over aggregated GDS + NDC inventory, live in weeks — with points redemption, card recommendation, and conversational booking built in from day one, not bolted on later.

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