A computer-implemented offer redemption method includes the steps of: (a) storing information on a consumer and a payment account associated with the consumer in a computer storage system; (b) receiving activation of an offer from the consumer covering a product or service or a purchase from a retailer; (c) linking the offer to the consumer's payment account; (d) monitoring transactions in the consumer's payment account; and (e) when the consumer has purchased the product or service or made a purchase from the retailer covered by the linked offer using the consumer payment account, making payment for offer settlement to a payment processor managing the consumer's payment account to be credited to the consumer's payment account.