Card Programme Unit Economics Builder

Model the unit economics of a card programme — co-brand, private label, fintech/BIN-sponsor, or prepaid. Compute interchange split, rewards liability, marketing contribution, and programme management cost to find breakeven spend-per-card and full annual programme P&L.

Interchange Split Rewards Liability Breakeven Analysis Policy Mandate Export Zero PII

Scope & Reliance — Programme economics vary significantly by contract structure, network, and product tier. This model uses simplified assumptions for planning and benchmarking purposes only. All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. Deterministic logic · no inference · zero PII · CC BY 4.0.

Programme Configuration

Programme Type

Network

Active Cards Number of active accounts

Avg Annual Spend per Card ($) Total annual card spend / active accounts

Economics Inputs

Gross Interchange Rate (%) What the merchant pays (e.g. 1.80%)

Issuer Share of Interchange (%) Issuer keeps this %; rest flows to partner

Rewards Rate (% of spend) e.g. 1.5% cashback or points equivalent

Marketing Contribution ($/acct/yr) Cash from co-brand partner to issuer

Annual Card Fee ($) 0 if no annual fee product

Fraud / Losses (% of spend) Net fraud losses after recoveries

Programme Mgmt Cost ($/acct/yr) Processing, compliance, servicing

Programme Summary

Per-Card P&L Waterfall (Annual)

Full P&L Breakdown

Sensitivity Analysis — Net Income per Card

Base case highlighted in teal. Rows = spend scenarios; columns = rewards rate scenarios.

Industry Benchmarks — Issuer Net Income per Card/Year

MCP Manifest & Policy Mandate Export