Advocate Cobrand Consulting provides comprehensive strategic advisory and hands-on management across the full cobrand credit card lifecycle — from initial RFP through long-term program optimization. Every engagement draws on nearly two decades of issuer-side experience to give brand partners a genuine advantage.
Program Management
Expert, ongoing management of your cobrand program to drive growth, profitability, and partner alignment.
- Day-to-day partnership management
- Marketing calendar and campaign execution
- Performance tracking and KPI management
- Cross-functional team alignment
- P&L optimization
Launch Strategy
End-to-end go-to-market planning for new cobrand programs, from value proposition design to customer acquisition modeling.
- Value proposition development
- Customer segmentation and targeting
- Financial modeling and business casing
- Go-to-market strategy
- Channel execution planning
RFP Management
Rigorous vendor selection process management to secure the best economic terms and capabilities from issuers and networks.
- Requirements gathering and RFP drafting
- Issuer and network identification
- Proposal evaluation and scoring
- Financial and term comparison
- Finalist selection and recommendation
Portfolio Optimization
Data-driven strategies to revitalize existing portfolios, increase activation, drive spend, and reduce attrition.
- Activation and early-month-on-book strategies
- Spend stimulation campaigns
- Retention and win-back programs
- Line increase strategies
- Customer lifecycle management
Contract Negotiation
Expert navigation of complex contract and economic terms to ensure long-term alignment and value capture.
- Economic term sheet negotiation
- SLA and penalty structuring
- Data and privacy terms
- Marketing fund commitments
- Termination and wind-down provisions
Expanded Approval Strategy
Guidance for brands exploring dual-path or second look underwriting structures that expand customer access while protecting long-term program value.
- Alternative underwriting path design
- Second-look program structuring
- Risk vs. reward modeling
- Customer journey mapping
- Partner alignment and implementation