Loyalty
Rewards programs, card enhancements and more
The leader in innovative solutions for financial institutions across the globe
Delivering proven products and services to financial institutions throughout the world, FIS offers the most cutting edge solutions in the industry. Our unsurpassed programs are designed to help you attract and retain cardholders and drive your bottom line. From simple transaction switching to an inclusive rewards and credit card enhancements program, FIS provides one-stop shopping for financial institutions striving to stay ahead of the competition.
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.
FIS 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 our proven rewards program to our top value-added enhancement, we have what card programs need to excel.
Rewards work by:
- Increasing acquisition and activation
- Driving transactions, both usage and average ticket amount
- Providing increased perceived value by the consumer
The 2009 U.S. Loyalty Marketing Census report reveals that, from 2006 to 2008, U.S. loyalty program memberships increased from 1.34 billion to 1.8 billion – an adjusted growth rate of nearly 25 percent since 2006. This number translates into 14.1 loyalty program memberships per U.S. household.
ScoreCard® Rewards
A proven credit and debit card rewards program, ScoreCard increases revenue while improving your institution's ability to acquire, activate and retain cardholders. Since its inception in 1992, ScoreCard has proved to be a very effective cardholder loyalty-marketing program. This program will differentiate your card in an increasingly competitive marketplace and help drive your bottom line.
Here is what ScoreCard can do for a turnkey program:
- Scoring of transactions
- Maintenance of earnings data
- Order placement to fulfillment vendor(s)
- Award selection
- Online administrative Web site operation
- Statement of earnings files delivery
- Electronic order processing maintenance
- Mail order processing
- Redemption accounting
- Cardholder customer service inquiries
- Online automated airline ticket booking
- Online award order placement and processing
- Marketing materials creation, printing and distribution
- Cardholder Web site administration and maintenance
- Daily cardholder balance communication
- Daily, weekly and monthly administrative reports
Not only will you build cardholder loyalty, but you’ll also see your institution’s revenues skyrocket!
Travel and Merchandise Awards
Offer your cardholders top-shelf merchandise and travel awards with ScoreCard.
- Brand name merchandise
- Travel – variety of airline tickets and cruises
- Experiential travel
- Online reservation/redemption for hotel, car rental and activities
- Merchandise that supports socially responsible initiatives for self-sufficiency and economic independence
- “Green” merchandise
- International fulfillment
FastTrack™
A unique rewards program that puts you on the fast track to higher profits.
If dormant card accounts are putting a strain on your card portfolio, it’s time to get on the 'FastTrack.' This incentive-based activation program stimulates card usage for those cardholders who have been inactive. FastTrack is an extremely effective, but incredibly simple program. The FastTrack program entices inactive or dormant cardholders with rewards, encouraging them to make purchases with your card. FastTrack offers consumers a variety of rewards within various pending levels – just for using your debit or credit card.
Industry studies show that inactive accounts make up 40 percent of card portfolios on average. FastTrack is proven to reverse this detrimental account inactivity, transforming dormant customers into active, loyal cardholders who choose your card time after time.
There is an average 50 percent dormant account activation rate for debit and credit programs with FastTrack.
Premier Debit™
A top shelf, high security debit rewards program no cardholder could refuse
Combining our popular ScoreCard program with a well-rounded package of valuable enhancements, Premier Debit is certain to place your card above the rest. This effective program promotes card usage with ScoreCard Bonus Points. But Premier Debit offers much more than just your typical rewards program. This exceptional program is designed for consumers who seek the ultimate in protection. Premier Debit includes the following loyalty-building security services:
- $1,000 Identity theft reimbursement insurance
- Identity theft victim assistance
- Personal shopper service
- Extended warranty
- 90-day product protection
Like our other programs, Premier Debit comes fully equipped with a complete set of attention-grabbing marketing materials and an operations manual. Offer your debit cardholders a premier rewards program with Premier Debit.
Platinum Preferred™
The perfect rewards program for your affluent cardholders.
Designed to increase loyalty among the most discriminating cardholders, Platinum Preferred combines the benefits of our ScoreCard rewards program with our high-value travel accident insurance and concierge services. This prestigious enhancement package provides your most affluent cardholders with a card they are certain to choose time and time again.
Platinum Preferred not only includes the popular ScoreCard Bonus Points package, but also offers cardholders up to $1 million in travel accident insurance coverage when they use their cards to purchase the full fare for transportation on a common carrier.
This premium rewards program also features concierge services, which give cardholders privileged access to dining and golf reservations, special events, performance tickets and transportation options anywhere in the world.
As with our ScoreCard program, FIS offers a full line of professional marketing materials to ensure the program is a huge success for your institution. Your affluent cardholders want more than just another platinum card. They want a rewards program full of distinctive benefits. Give your upscale clients even more than they expect with Platinum Preferred.
TIP
A turnkey targeted incentives program.
Whether you promote new accounts, thank or recognize existing customers or motivate employees, our TIP program is an exceptional tool to aid in your marketing efforts. You control the criteria and we take care of fulfillment. We have three award certificates, including Dining Dough gift cards and Buy One airline tickets, Fly Two people certificates, plus a variety of merchandise from which to choose. We have an array of posters, table tents and inserts to support your promotion. Low prices and small minimum order quantities control your costs and level of program participation. To learn more please visit www.fistip.com.
Star Performers®
A stellar incentive program to help employees improve your bottom line
Star Performers is a cost-effective, worry-free, Web-based employee incentive program that tracks, motivates and rewards employees. A few of the additional tools available to take your employees from good to outstanding include, employee surveys, testing modules, customizable program rules, and reporting. We take care of the administrative details so you can focus on the results – improved performance, productivity and the bottom line.
Core Enhancements from FIS
Cardholders have come to expect at least some basic card benefits. That’s why FIS offers Core Enhancements, a basic card enhancement package that maintains a high level of client service at a minimal investment to you. This package, which can be added to any credit or debit card program, features:
- Extended warranty
- Warranty registration
- Extended service plans
- Travel and emergency services (including medical referral assistance, pre-trip assistance, lost luggage locator and much more)
Card Enhancements
To remain competitive in today’s cutthroat marketplace, sometimes you need to offer your cardholders more than just a rewards program. Consumers have come to expect added perks, protection and enhancements with their credit and debit cards. That’s why FIs offer an array of attractive card enhancements, including credit life, travel accident insurance and more.
Customize your checking and debit account program with Value-Added Checking.
Value-Added Checking enhances your checking account program with powerful benefits including:
- Payment card registration
- Extended warranty
- Personal shopper
- And much more
Not only will your checking account customer enjoy this value-packed program, but you will appreciate the added fee income for your financial institution’s checking account programs.
Give them countless benefits with our Advantage program.
It pays to offer your cardholders the Advantage program. From travel and security services to shopping and health care discounts, the FIS Advantage program provides the competitive edge your card program needs to be your cardholders’ preferred choice. Institutions offering the Advantage program consistently demonstrate more transactions, larger transaction amounts and higher finance charges than non-Advantage portfolios. Customized to meet your unique marketplace needs, this first-rate program is available in three tiers, including Basic, Travel and Complete.
Motivate your cardholders with CardCentives.
When your cardholders have multiple cards in their wallets, you have to offer them incentive to choose yours time and again. That’s why FIS offers CardCentives, three incredible packages that are designed to boost loyalty, retention and use of your card. Choose from any or all of three CardCentives packages: Prime, Privilege or Premium.
Drive cardholder loyalty with other valuable offerings.
Readi-Review Plus™
Tap into your cardholders’ financial patterns to make more informed decisions with Readi-Review Plus. This priceless program puts information about your cardholders’ financial behaviors right at your fingertips. As a result, you can respond to negative patterns before they impact your portfolio and capitalize on positive patterns, increasing your profitability almost instantaneously.
By accessing your cardholders’ credit bureau data, Readi-Review Plus can thoroughly dissect their financial history. This helps you anticipate future patterns by picking up invaluable data, including bankruptcy, late payments, charge-offs, increasing debt load, fraud warnings and other derogatory behavior to help you make better decisions and maximize opportunities determining credit limit increases. Because it gives you the ability to incorporate credit bureau data into your reissue criteria decisions, Readi-Review Plus is an invaluable marketing tool.
ProDirect®, our affordable card solicitation program.
ProDirect is a simple way to acquire new credit card accounts that is highly effective and extremely affordable. With ProDirect, FIS takes care of your entire acquisition campaign from start to finish. We score your targeted database, create and mail a professionally designed solicitation piece, track 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 the pros – ProDirect.
Your cardholders have easy access to their line of credit with our Convenience Check programs.
We offer three cost-effective Convenience Check programs. These simple packages allow you to communicate the benefits of your card while giving your cardholders every opportunity to access their line of credit. Convenience checks are personalized with your institution’s logo and signature.
LetterChecksSM – We’ll send your eligible cardholders a package that includes three ready-to-write checks and a professional, personalized letter including your targeted message of choice.
CheckBooks – Provide your clients with a simple way to access HELOC and other lines of credit.
StatementChecks – This program provides powerful repeat exposure with a convenience check attached to cardholder statements.
Our indispensable convenience check packages give you a competitive edge by increasing credit card outstandings and revenues. Plus, these flexible, comprehensive programs add value to your card program and keep you in front of your cardholders with minimum effort and little cost.
Credit insurance protects your assets and your cardholders' credit.
Unexpected changes such as unemployment, disability, family leave or a death in the family can make it difficult and sometimes impossible for a cardholder to maintain good credit. Credit insurance coverage can build relationships with your cardholders, increase revenue and lessen the chance of charging off loans due to unexpected and unplanned life events.
Effectively meet Patriot Act compliant requirements.
PatriotGuard is an easy-to-use, cost-effective and comprehensive solution that helps your institution comply with the USA Patriot Act regulations within 24 hours. This Web-based identity verification system addresses all four components of the USA Patriot Act requirements: identity verification, government list screening, custom member identification program and record retention.
