Credit Card
Performance metrics and insights on your credit card program
Status Save
Fly within 30 days and earn 2x tier-qualifying miles to maintain your Gold status
Making It Right
Card holders receive double miles and credit on rideshare partner after a long flight delay.
Core Segments
Overview of travel and card spend behavior
Active Travel × Active Spend
Ask AgentDiagnostic | Opportunity | Recommended Action |
|---|---|---|
High-value customers with consistent engagementTop 15% of customers by total value, averaging 3.2 trips and $1,510 spend per month | $2.1M Premium card upgrade opportunity with 22% estimated conversion based on spend patterns | |
Companion ticket eligible but unused2,340 customers have earned companion passes but haven't redeemed in 90+ days | $680K Companion ticket reminder with 18% estimated booking conversion | Companion Pass Reminder Unused companion pass, 90+ days since earned Channel: Push notification + Email |
High-value customers with consistent engagement
Top 15% of customers by total value, averaging 3.2 trips and $1,510 spend per month
Premium card upgrade opportunity with 22% estimated conversion based on spend patterns
Companion ticket eligible but unused
2,340 customers have earned companion passes but haven't redeemed in 90+ days
Companion ticket reminder with 18% estimated booking conversion
Active Travel × Inactive Spend
Ask AgentDiagnostic | Opportunity | Recommended Action |
|---|---|---|
Travel activity without card usageCustomers booking flights but spending below $500/6mo, likely using competing cards for purchases | $3.4M Category bonus awareness agent targeting everyday spend (groceries, gas) with 25% estimated lift | Category Bonus Education Active travel, <$500 spend/6mo, card tenure >3 months Channel: Email + SMS |
High point balance with low card usage1,890 customers with 50K+ points but minimal recent spend activity | $890K Points multiplier promotion (3x on all purchases) with 20% spend reactivation rate |
Travel activity without card usage
Customers booking flights but spending below $500/6mo, likely using competing cards for purchases
Category bonus awareness agent targeting everyday spend (groceries, gas) with 25% estimated lift
High point balance with low card usage
1,890 customers with 50K+ points but minimal recent spend activity
Points multiplier promotion (3x on all purchases) with 20% spend reactivation rate
Inactive Travel × Active Spend
Ask AgentDiagnostic | Opportunity | Recommended Action |
|---|---|---|
Strong everyday spend, no flight bookingsCustomers spending $800+/month on card but haven't booked travel in 6+ months | $1.8M Travel booking bonus offer (10K points on next flight) with 28% estimated conversion | Book & Earn Travel Bonus >$800/mo spend, no travel 6+ months, points balance >20K Channel: Email + Personalized offer page |
Potential status tier upgrade candidates980 customers close to next status tier based on spend alone, missing travel activity | $450K Status challenge agent offering accelerated tier qualification with travel booking | Fast Track Status Challenge Within 15K points of next tier, high monthly spend Channel: Direct mail + Email |
Strong everyday spend, no flight bookings
Customers spending $800+/month on card but haven't booked travel in 6+ months
Travel booking bonus offer (10K points on next flight) with 28% estimated conversion
Potential status tier upgrade candidates
980 customers close to next status tier based on spend alone, missing travel activity
Status challenge agent offering accelerated tier qualification with travel booking
Inactive Travel × Inactive Spend
Ask AgentDiagnostic | Opportunity | Recommended Action |
|---|---|---|
Dormant accounts with significant point balances5,120 customers with 30K+ points but <$100 spend and no travel in past 6 months | $2.6M Spend-your-points agent with 15% conversion rate on statement credits or small purchases | Points Reactivation Offer >30K points, <$100 spend/6mo, no travel activity Channel: Email + Retargeting ads |
At-risk for card cancellation2,890 customers with no activity for 4+ months, high churn probability | $1.1M Retention offer (targeted spend bonus) with 12% win-back rate | |
Annual fee renewal approaching1,450 customers with fee due in 60 days and minimal recent engagement | $780K Proactive retention offer showing value delivered vs. fee with targeted incentive | Pre-Renewal Value Summary Annual fee due in 30-60 days, low engagement score Channel: Email + Phone call for high-value |
Dormant accounts with significant point balances
5,120 customers with 30K+ points but <$100 spend and no travel in past 6 months
Spend-your-points agent with 15% conversion rate on statement credits or small purchases
At-risk for card cancellation
2,890 customers with no activity for 4+ months, high churn probability
Retention offer (targeted spend bonus) with 12% win-back rate
Annual fee renewal approaching
1,450 customers with fee due in 60 days and minimal recent engagement
Proactive retention offer showing value delivered vs. fee with targeted incentive