Card Activation Benchmarker

Cards issued / month

Current activation rate (%)

Target activation rate (%)

Avg monthly spend / active card ($)

Interchange rate (%)

Year 1 startup costs (creative, DM, campaign setup)

One-time costs in Year 1 only — creative development, direct mail setup, email templates, campaign materials.

Portfolio Scale

Total cards in portfolio

% Active accounts

Avg monthly spend / active card ($)

Avg monthly balance for revolvers ($)

% Revolve rate

Annual attrition %

New accounts added / month

Revenue

Interchange rate %

APR %

Annual fee per card ($)

Late fee ($)

% Accounts charged late fee / month

Delinquency rate (% of active accounts 30+ days past due)

Cash advance fee (% of CA amount)

Balance transfer fee (% of BT amount)

Overlimit fee ($)

Rewards Program

Rewards program

Base points per $1 spent

Bonus category

Bonus points per $1 in bonus category

% of spend in bonus category

Redemption value (cents per point)

% of points redeemed per year

Expenses

Fully-loaded opex per active account / year ($) Include processor fees, servicing, fraud/dispute losses, collection activity, and employee cost allocation. Typical range: $75–$150 for credit unions.

Include processor fees, fraud losses, employee costs, and servicing costs. Industry range: $75–$150 for credit unions.

Cost of funds revolving %

Cost of funds transacting %

Charge-off rate %

Cost per new account acquired ($)

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+$0

Additional Annual Revenue

Incremental active cards +0

Revenue left on table / year $0

Additional monthly revenue +$0

Revenue per inactive card / month $0

Benchmark Comparison

PoorAverageGoodBest-in-class

45%

60%

Revenue Breakdown

Expense Breakdown

Net Income

Net Income / Year

Net income / account$0

Net income / active account$0

Portfolio ROI0%

Revenue / expense ratio0x

3-Year Projection

Benchmark — Net Income / Account

PoorAverageGoodBest-in-class