Twitter has spent a lot of time this year exploring the world of commerce. Its latest endeavor, Twitter Offers, is perhaps the boldest move yet as it aims to save users some cash during the holidays (and beyond) while simultaneously appeasing advertisers and investors. Here’s how it works.

Starting today, select companies will be able to offer discounts / deals to their followers that arrive as promoted tweets. To claim an offer, a user simply needs to tap the “get offer” button at which time the offer will be will be added to the user’s credit or debit card (assuming of course that a user has a card linked to their Twitter account).

That’s pretty much it. Whenever their card is used at a retail store or online, the offer will automatically be redeemed and the savings will appear on their card statement within a few days.

Twitter Offers looks to be a solid solution for both consumers and businesses. In addition to being incredibly convenient for buyers, merchants can use their existing payment network. This means there are no changes to the purchase process, no employee training and no new hardware or software to install and learn.

Advertisers will also be able to easily track redemptions to measure the success of a particular campaign.

Twitter is quick to point out that once an offer is added to a user's credit or debit card, it is encrypted for security purposes. A user can also remove a card from their account at any time.

Twitter plans to test the new feature with a handful of partners during the holidays. If everything goes smoothly, the microblogging platform will bring more advertisers onboard. For now, Twitter Offers are limited to those in the US.