Commercial Card Spend & Rebate Optimizer

For corporate treasury: model total spend by card type, compute interchange earned and rebate on commercial card programs (purchasing, T&E, virtual), optimise card mix for maximum rebate. Corporate buyer perspective.

B2B Payments Zero PII Client-Side

Scope & reliance — 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Reference interchange rates are indicative estimates based on published Visa/MC interchange schedules — actual rates depend on your programme agreement. Verify before relying on outputs for commercial decisions. Deterministic logic · no inference · zero PII · CC BY 4.0.

Programme Configuration

Total Annual Card Spend ($)

Total annual card programme spend in USD

Card Program Type

Affects rebate tier structure

Card Network

Affects base interchange rates

Spend Mix by Category (must sum to 100%)

T&E / Travel

Supplier / B2B Payments

IT / SaaS Subscriptions

Fleet / Fuel

Other

✓ Total: 100%

Reference Interchange Rates (user-adjustable)

T&E Rate (%)

Default: Visa CPS/Hotel 2.40%

B2B Supplier Rate (%)

Default: Visa Commercial 2.65%

IT/SaaS Rate (%)

Default: Standard commercial 2.30%

Fleet/Fuel Rate (%)

Default: Fleet card negotiated 0.85%

Other Rate (%)

Default: General commercial 2.10%

Virtual Card Premium (% uplift)

Additional rebate if B2B migrated to vCard

Rebate Tier Structure

Tier 1 — Volume Threshold ($) Tier 1 Rebate (%)

Tier 2 — Volume Threshold ($) Tier 2 Rebate (%)

Tier 3 — Volume Threshold ($) Tier 3 Rebate (%)

Rebate is paid by card issuer as % of total spend. Set threshold to 0 to disable a tier.