Fintech × College Athletics

Your points.
Your school.
Your seat.

Wishbone turns idle credit card rewards into athletic foundation contributions — and moves you up the priority queue.

$0
New spending required
~30%
Of card rewards go unredeemed each year

CFPB

$0
New cards or accounts
Any bank
Works within your existing rewards app
What it is

A bridge between rewards you forget and seats you actually want.

Wishbone isn't an app you download — it's infrastructure that lives inside the bank app you already use, converting points you'd never redeem into real fundraising and real recognition. Think Centurion Lounge, but for your campus.

  • Any card, any bank

    No new account or card needed. Works with the rewards you already have.

  • Give at your direction

    Redeem your idle rewards and direct them to your school — no pledge drives, no phone calls.

  • Real contributions

    Cash arrives at the athletic foundation just like any other gift.

  • You move up

    Priority points credit to your account, improving your standing for tickets, parking, and experiences.

See it in action

Walk through the full cardholder redemption flow — from bank app to priority standing — in our live demo.

Open live demo →
How it works

Five steps to put your points to work.

From the swipe at checkout to the seat at midfield — here's the path your points travel.

  1. Step 1

    You spend normally

    Any credit card, any purchase

  2. Step 2

    Rewards build up

    Redeem right in the bank app

  3. Step 3

    Wishbone converts

    Points become a cash contribution

  4. Step 4

    Your school receives

    Cash goes straight to the athletic fund

  5. Step 5

    You earn priority

    Better seats and experiences

Traction
Who it's for

Two sides. One system.

For Universities

Built for athletic foundations

Add an alumni giving channel that feeds directly into your existing priority point system — no new campaigns, no new asks.

For Issuers

Built for your portfolio

Turn idle points liability into a high-affinity redemption destination for your alumni cardholders — no new infrastructure required.

Why now

Two tailwinds converging at once.

House v. NCAA

Effective July 1, 2025: programs must share revenue directly with athletes.

Athletic programs now carry a new, recurring funding obligation that traditional fundraising was never designed to cover. A channel that reaches the ~95% of fans who never currently give opens real incremental capacity — without asking more from donors you already have.

Idle rewards at record levels

Roughly a third of card rewards go unredeemed each year.

$33B+ sits as liability on issuer balance sheets. Fans say friction — not willingness — is what stops them from giving. Wishbone removes the friction: giving takes a swipe, not a pledge form.

Partner with us

Apply to the launch cohort.

We're onboarding a focused first cohort of universities and issuers. Applications reviewed within 48 hours.

No commitment required. We'll follow up within 48 hours.

Are you an alumni or fan? Join the waitlist →

The story behind Wishbone
“Someone gave to me anonymously. I'm building the infrastructure to make it easier for others to do the same.”

Wilson Harmond, CFA — Founder, Wishbone.
Georgia Tech industrial engineer, varsity letter winner.