Loyalty rewards exchange systems and methods

A method, comprising:

• distributing a user web portal over the Internet by a first computing system of a platform configured to improve exchanging loyalty rewards and customer engagement with such exchanges;
• providing, by the first computing system, a group of application programming interface (API) endpoints for authentications, authorizations, and points exchanges to at least standardize relationships in the platform and linking between credit card issuers and loyalty rewards program entities;
• distributing, by the first computing system, a card issuer web portal over the Internet configured to provide an interface for an administrator of a credit card issuer to link the credit card issuer with a plurality of loyalty rewards program entities using at least one of the API endpoints;
• generating, by the first computing system, records that comprise relationship information linking a credit card of the credit card issuer to the plurality of loyalty rewards program entities according to a selection by a cardholder of the credit card through the user web portal and links between the credit card issuer and the plurality of loyalty rewards program entities created through the card issuer web portal;
• converting, by the first computing system, card issuer points of the credit card issuer to loyalty rewards program points of one loyalty rewards program entity of the plurality of loyalty rewards program entities according to a point conversion rule that is at least partially based on the selection by the cardholder,
• wherein the selection includes selecting, through the user web portal, the plurality of loyalty rewards program entities and configuring, through the user web portal, percentage-based rules of the point conversion rule to control a flow of points, and
• wherein the selection sets different percentage-based rules for different entities of the plurality of loyalty rewards program entities such that the cardholder earns different percentages of points from different loyalty rewards program entities automatically after using the credit card according to the point conversion rule;
• and
• issuing, by a second computing system connected to the first computing system over the Internet, the loyalty rewards program points by the one loyalty rewards program entity to a corresponding loyalty rewards program account of the cardholder of the credit card after the conversion and automatically according to the point conversion rule.