Abstract: A system comprises a user device associated with a user and a server in communication with the user device. The server generates an interactive graphical user interface (GUI) comprising one or more interactive screens for display on the user device and receives, from the user device via the interactive GUI, user input indicating user characteristics and stock rewards characteristics specific to the user. In response, the server creates an electronic credit card and a linked brokerage account. The server monitors data from at least one card processor system and/or at least one entity system for changes in the user's transaction activity and/or non-transaction activity. The server determines a stock rewards value to be applied to the brokerage account based on the monitored data and automatically initiates a brokerage transaction, funded by a stock rewards balance in the brokerage account, in accordance with the stock rewards characteristics associated with the user.