Agent Credit Card Program for Credit Unions

An agent credit card program lets a credit union offer members a branded card while a partner issuer owns the receivables, underwriting, and compliance. This is an alternative to running a full in-house card portfolio: the credit union refers members and earns income without tying up capital or absorbing charge-off risk. It can suit smaller institutions or those exiting a self-issued program. When evaluating providers, look at revenue-share economics, how the member experience stays tied to your brand, rewards competitiveness, conversion support, and the option to repatriate the portfolio later if your card strategy changes.

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