Rebate gap calculator
See the rebate you're leaving on the table.
Estimate the realized rebate gap between a bank-run program and one that works the whole file — across every supplier, not just the easy few.
The rebate gap
$504,000
Realized rebate you're leaving on the table by stopping at the easy slice instead of working the whole file.
Honesty note. The default 1.2% rebate rate is a conservative blended anchor, not a guarantee. Figures here are illustrative — a paid diagnostic sizes the real opportunity against your actual supplier file.
What actually moves the number
The enrollment rate is the variable — not the rebate rate. Moving from roughly 12% to 40% of spend carded is the product: reaching the long tail your bank never contacted and getting suppliers to accept.
Why a conservative anchor
We default the rebate rate low on purpose. Programs stall on enablement reach and reconciliation, not price — so the honest lever is converting more spend onto card, then letting the diagnostic confirm your true realized rate.
Cost economics already favor the card — net commercial-card cost runs in basis points, not three percent.
Source: Visa Commercial Solutions © 2023
Turn the estimate into a number you can book.
Start with a paid diagnostic. We'll size the real rebate gap across your full supplier base — then run the program with you, inside your firewall, on the bank you already have.