Number of applicants successfully approved by the issuer.
Your payout for each approved credit card account.
Click-to-Application Rate (CTR):0.00%
Application Approval Rate:0.00%
Overall Conversion Rate (CVR):0.00%
Total Estimated Revenue:$0.00
Earnings Per Click (EPC):$0.00
function calculateCCConversion() {
var visits = parseFloat(document.getElementById('totalVisits').value);
var applications = parseFloat(document.getElementById('totalApplications').value);
var approvals = parseFloat(document.getElementById('totalApprovals').value);
var commission = parseFloat(document.getElementById('commissionPerSale').value);
// Validation
if (isNaN(visits) || visits <= 0) {
alert("Please enter a valid number of visits.");
return;
}
if (isNaN(applications) || applications < 0) {
applications = 0;
}
if (isNaN(approvals) || approvals < 0) {
approvals = 0;
}
if (isNaN(commission) || commission visits) {
alert("Applications cannot exceed total visits.");
return;
}
if (approvals > applications) {
alert("Approvals cannot exceed total applications.");
return;
}
// Calculations
// 1. Click-to-Application Rate (Percentage of visitors who apply)
var appRate = (applications / visits) * 100;
// 2. Approval Rate (Percentage of applicants who get approved)
// Handle divide by zero if applications is 0
var approvalRate = 0;
if (applications > 0) {
approvalRate = (approvals / applications) * 100;
}
// 3. Overall Conversion Rate (Percentage of visitors who get approved)
var overallCVR = (approvals / visits) * 100;
// 4. Total Revenue
var totalRevenue = approvals * commission;
// 5. Earnings Per Click (Revenue / Visits)
var epc = totalRevenue / visits;
// Display Results
document.getElementById('resAppRate').innerText = appRate.toFixed(2) + "%";
document.getElementById('resApprovalRate').innerText = approvalRate.toFixed(2) + "%";
document.getElementById('resOverallCVR').innerText = overallCVR.toFixed(2) + "%";
document.getElementById('resTotalRevenue').innerText = "$" + totalRevenue.toLocaleString('en-US', {minimumFractionDigits: 2, maximumFractionDigits: 2});
document.getElementById('resEPC').innerText = "$" + epc.toFixed(2);
// Show results div
document.getElementById('results').style.display = "block";
}
Understanding Credit Card Conversion Metrics
In the competitive landscape of financial marketing, understanding the nuances of your Credit Card Conversion Rate is essential for optimizing profitability. Unlike simple e-commerce products, credit card campaigns involve a two-step funnel: the user must first decide to apply, and then the issuing bank must decide to approve them based on creditworthiness.
This calculator breaks down the conversion funnel into actionable metrics, helping affiliates, media buyers, and issuers analyze performance accurately.
Key Metrics Explained
1. Click-to-Application Rate
This metric measures the effectiveness of your landing page copy and design. It answers the question: "Of the people who landed on this page, how many were convinced to fill out an application?"
Formula: (Total Applications / Total Page Visits) × 100
2. Approval Rate
This is a quality metric regarding your traffic. If you have a high application rate but a low approval rate, your traffic source may have poor credit quality, or your marketing messaging might not be targeting the right consumer segment (e.g., marketing a "Premium Rewards" card to a "Credit Builder" audience).
Formula: (Approved Accounts / Total Applications) × 100
3. Overall Conversion Rate (CVR)
This is the "True" conversion rate for your campaign. It represents the percentage of total visitors who eventually became revenue-generating customers.
Formula: (Approved Accounts / Total Page Visits) × 100
4. Earnings Per Click (EPC)
For affiliate marketers, EPC is the gold standard for comparing different credit card offers. It normalizes revenue against traffic, allowing you to see which card offer generates the most revenue for every visitor sent, regardless of the payout amount.
Formula: Total Revenue / Total Page Visits
Factors Influencing Credit Card Conversion Rates
Annual Fees: Cards with $0 annual fees typically see higher application rates than premium cards with $500+ fees.
Credit Score Requirements: Subprime cards have higher approval rates but often lower payouts; prime cards have strict approval criteria but higher bounties.
Welcome Bonuses: High introductory point offers significantly boost the Click-to-Application rate.
Application Complexity: Lengthy forms on the issuer's side can lead to drop-off before the application is submitted.
How to Improve Your Rates
To optimize your credit card conversion rate, ensure your pre-landing page clearly states the credit requirements (e.g., "Good to Excellent Credit Required"). This filters out unqualified applicants early, potentially lowering your raw application numbers but significantly increasing your approval rate and building trust with the issuer.