In today’s competitive environment, credit or debit cards without perks just don’t measure up. Facing constant challenges in the marketplace, successful issuers must continually find ways to differentiate their product offerings.
The Card Marketing Enhancements group is committed to helping our customers stay competitive. We provide innovative marketing programs that effectively increase profitability and market share and, most importantly, assist them in competing with national card issuers on a level playing field. From the most proven rewards program to our top value-added enhancement, we have what card programs need to excel.
ScoreCard® Bonus Point Rewards
Allows credit and debit cardholders to earn Bonus Points for qualifying purchases that can be redeemed for merchandise and travel awards. Multiple program and promotional options make this rewards program a must-have card enhancement.
Star-Performers®
A web-based employee performance program that tracks, motivates and rewards employees. We take care of the administration details so you can focus on the results: improved performance and productivity. Star-Performers easily allows you to award points to employees as they achieve the goals you determine.
Platinum PreferredSM
Rewards program designed to increase loyalty among the most discriminating cardholders through a combination of ScoreCard Bonus Point Rewards, travel accident insurance and Concierge Services.
Premier DebitSM
A debit rewards program that combines the ScoreCard Bonus Point Rewards program with identity theft reimbursement insurance, identity theft victim assistance, a personal shopper service, an extended warranty and 90-day product protection. Includes reduced pricing on debit card processing for most issuers.
LetterChecksSM, CheckBooksSM and StatementChecksSM
A credit card convenience-check program that sends checks to your customers as often as your enrollment dictates. Our convenience checks are personalized and contain your institution's logo and signature. Our program streamlines the credit card check process by automating your institution setup and customer selection and by centralizing the clearing and posting process.
Advantage
It pays to have the Advantage program. From travel and security services to shopping and health-care discounts, the Advantage Program provides the competitive edge your card program needs to be the preferred choice for your cardholders. Participating Advantage portfolios consistently demonstrate more transactions, larger transaction amounts and higher finance charges than non-Advantage portfolios. Available in three tiers to uniquely suit your marketplace needs (Basic, Travel and Complete).
Core Enhancements
Consumers expect a core of basic card benefits. Our core nnhancements provide basic enhancements that maintain a high level of client service at a minimal investment. This package can be added to any credit card program and includes an extended warranty, warranty registration, extended service plans, and travel and emergency services (including medical referral assistance, pretrip assistance, a lost luggage locator service and a dozen more). FIS performs all administration required for this package, including producing statement inserts and scheduling.
Credit Life Insurance
It adds security when unemployment, leave of absence, disability, death or other detrimental events adversely affect your cardholders. Fully funded by the cardholder, this program protects your portfolio value, generates administrative fee income and provides a valuable service to your cardholders.
Extended Warranty, 90-Day Product Protection and Price Guarantee
Provide peace of mind and promote loyalty to your card with three consumer-pleasing enhancement programs that provide valuable insurance against early breakage, loss, theft and price reductions for purchases cardholders make with your credit or debit card. Choose any combination or all three.
Travel Accident Insurance
Frequent travelers especially appreciate this valuable insurance benefit. When your cardholders use your covered credit or debit card to purchase their entire travel fare, this enhancement provides them with amounts up to $1 million of protection that automatically covers any common-carrier accident anywhere in the world. It's worthwhile to everyone who travels, whether they are frequent-flyer business professionals or occasional leisure travelers.
Auto Rental Insurance
This stand-alone enhancement automatically provides primary automobile insurance for rental cars when your card is used to pay for the full purchase amount. The benefit allows your cardholders to decline the expensive rental agency insurance but still be fully insured in case of an accident.
Identity Theft Reimbursement Insurance and Victim Assistance
Identity theft is difficult for your cardholders to prevent, but they will certainly expect you to help them if they become a victim. This enhancement provides reimbursement insurance and personal assistance should identity theft occur.
CardCentives
CardCentives produce incentives – incentives to use your card. Add any of the three CardCentives packages – Prime, Privilege or Premium – to your credit or debit card program, and you’ll realize increased loyalty, retention and usage. CardCentives provides valuable consumer-pleasing features such as identity theft assistance, extended warranty, personal shopper, travel reservation services and more.
ProDirect®
This turnkey card solicitation program is more than just direct mail – it’s professional direct mail and more! Direct mail is still the number one method for reaching potential cardholders, but it can be cumbersome, time-consuming and expensive to run campaigns on your own. ProDirect takes care of everything from start to finish. We score your targeted database, create and mail a professionally designed solicitation piece, score the responses, set up new accounts, and mail the credit cards - all at volume-discounted prices you can afford. Just provide your list and lending parameters, and we’ll take it from there. Leave it to a pro – ProDirect!
Readi-Review PlusSM
Informed decisions are better decisions. By accessing your cardholder’s credit bureau data, Readi-Review Plus thoroughly dissects the financial history and helps you anticipate future patterns by picking up invaluable data lsuch as bankruptcy, late payments, charge-offs, increasing debt load, fraud warnings and other derogatory behavior. Readi- Review Plus is perfect for enhancing decisions and maximizing opportunities such as determining credit limit increases. Combined with the ability to access credit bureau data into your reissue criteria decisions, Readi-Review Plus equips you with an invaluable marketing tool. Readi-Review Plus – it’s like taking the fast lane to higher profits.
Value-Added Checking
Value-Added Checking customizes your checking account program with a significant roster of worthwhile benefits, such as payment card registration, extended warranty, personal shopper, travel reservation services, vision discounts, and much, much more. Not only will your checking account customers enjoy this value-packed program, you will appreciate the added fee income for your financial institutions checking account programs.
PatriotGuard
An easy-to-use, cost-effective and comprehensive solution that assists your institution to comply with the USA Patriot Act, Section 326, 314(a) and OFAC regulations within 24 hours. The Patriot Guard solution takes the identity information presented and compares it against a database of 20 billion aggregated records from multiple sources, to verify that all the information is correct and truthful.
FastTrack™
FastTrack is an activation/retention product that incents inactive and dormant cardholders to make purchases on their accounts in order to receive rewards. A mailer is sent to all inactive accounts, offering rewards for purchase dollars spent within a three-month period. Those reaching the spending levels are sent a winners mailing with a selection of rewards from which to choose. With increasing inactive/dormant accounts now averaging 40 percent of many portfolios, this product responds helps reverse inactivity and return accounts to active status.
Targeted Incentives Program (TIP)
Enhance any marketing plan with an incentive program that provides real value to your target audience. Whether you want to promote new accounts, motivate employees or recognize existing customers, TIP is the most effective reward program to help you meet your goals. Choose from four products: “Buy One, Fly Two” free companion airline ticket; “Dining Dough Card,” with more than 8,700 restaurants in our network; “Dine and Fly,” combining companion ticket and Dining Dough Card in one; and “Free Golf or Spa,” rewarding the target audience with a golf or spa experience. These affordable products have a high perception of value to your customers and will lead to success in your next promotion.
Applications and Marketing Materials
As a credit card issuer, you know the importance of credit card applications. That’s why FIS produces applications with professionally designed marketing themes that can be matched up with other marketing tools such as lobby posters, take-one stands, table tent displays, employee lapel stickers or buttons, and statement inserts. What’s more, our Compliance department tracks regulatory changes so you can feel comfortable knowing your applications meet disclosure requirements. Don’t get stuck working with expensive outside solutions. Discover how easy we make it to market your credit card program.
Retail Products
Retail products are marketed directly to your cardholders via statement messages and inserts that provide a revenue stream back to you when cardholders purchase the product.