Systems and methods for the efficient generation and testing of promotions within a load to card environment are provided. A load-to-card abstraction layer collects store, user and offer data. The test promotions are then generated to span a design space of an offer. The user base is segmented and the test promotions are applied. The promotions include an offer, and the ability to load the offer for later redemption (load-to-card). Redemption and load rates are measured, and can be used individually, or in combination, to gauge consumer engagement with the promotion. Promotions with low consumer engagement may be discontinued, until only optimally performing promotions are remaining.