Abstract: A general purpose transaction card is provided that offers an attractive incentive to customers to encourage the use of a general purpose transaction card. The general purpose transaction card is offered in connection with a co-branded loyalty program whereby a percentage of a total purchase made at one vendor is deposited into an account maintained at another vendor. More specifically, in a preferred embodiment a grocery vendor deposits a percentage of a customer's total grocery purchase into a savings account held by that customer at a bank service provider. By offering a transaction method in accordance with the teachings of the present invention both of the vendors gain in the number of joint customers while deepening the relationship those customers have with both vendors.