Partner, Brand & Vendor Negotiations

Even the most capable card issuer never goes it alone: everyone needs to manage relationships across card branding, processing environment, reward vendors, and any number of other third-parties. All of these relationships are critical to success, yet it can be difficult for financial institutions to feel confident in negotiations that only occur every five or more years. Because of our continuous interaction across the entire credit card ecosystem, TRK Advisors is well positioned to offer high-value support whenever evaluating these relationships. This includes:

  • Brand (e.g. Visa/MasterCard/American Express/Discover) selection and incentive negotiations.
  • Processor options surveys and proposal review
  • Reward program providers and support services (never assume the option bundled by your processor is your best option!)
  • Affinity and co-brand program contracts and partner management

In all of these areas we bring not only deep, detailed analysis but also a strong understanding of the reputations of each provider for promises-vs-performance history and organizational evolution which may impact their success with different types of partners. It’s never one size fits all, so make sure you know what size fits you!

View a few of our case studies.

Case Study #1: Restarting a Card Program

After selling their credit card business several years prior, this institution decided to start issuing credit cards again. Based on our proprietary data set of over 125 institutions which made this same decision, TRK Advisors provided our client with the expert guidance required to evaluate all of the pros and cons of this opportunity. Upon deciding to go forward, we then provided quick and actionable project support, including product set design, pricing structures, reward program elements, marketing plans and programs, average and best-in-class benchmarks for peers, internal reporting and risk control structures, customer base segmentation methodologies, forecasting techniques, portfolio management plans, and ongoing guidance related to all elements of the rollout and program management.

This client is now generating its own accounts, better satisfying its customers and will be positioned to successfully do so for many years to come. Card is now a critical component of overall relationships as well as generating meaningful profitability to the entire institution.


  • Restarting a Card Program
  • Kick-starting Growth
  • Product Updates for Today's Market
  • Consider an Agent Program

We always welcome a deeper conversation or request for additional information.

If you would like something more from us or to set up a time to speak, please use the button to the right to access our contact form. We will follow up immediately. Or call us at (603) 924-4438.