Abstract: A system and method to provide item level purchase incentives directly to consumers are fully disclosed. Item level offers may include brand or product SKU-specific offers and rewards. In some embodiments, incentives may be credited directly to the consumer's card or bank account without any action required from the consumer subsequent to purchasing the product. The platform will evaluate potential offers and incentives according to a rules engine. The platform also maps the brand's authorized dealers by location so that offers can be targeted to consumers shopping at that location or who live within a certain distance of that location, for example, in addition to targeting by demographic, household income, past spending patterns, etc. Typically, the platform integrates directly with credit card issuer's systems sending the validated transaction information to the card issuer with an amount to be credited on that card or account.