Grow applications to Cash Rewards Business credit card with no special promotional offer, in an intensely competitive landscape.

Details of the standard offer are complicated; small space in a postcard and flyer-style letter formats.

Need to accommodate extensive disclosure and prescribed Schumer Box format.

Prioritize key messages, featuring “Cash Rewards” for everyday business expenses. 

Target existing First Citizens business deposit customers without a First Citizens credit card.

Test postcard vs. non-personalized flyer-style letter in envelope with same content and creative; utilize QR code on both to link to full details and pricing information.