Instead of carrying multiple cards to qualify for various affinity reward programs, here’s a programmable credit card from Dynamics, Inc that allows you to choose where those charges and points get applied. When coupled with the smartphone app, you can change the reward program and premium that you wish. The merchant gets to put a special award directly in front of the consumer. Charities can also vie for attention . Over fifty brands are already aligned with the program. The awards are also available much more quickly than the regular reward system – allowing response in just a few seconds of the time that the purchase occurs. There is an open API allowing companies to customize and add incentives to their programs. TPN Interview by Andy McCaskey, SDRNews and Daniel J. Lewis, The Audacity To Podcast.