RFP - Municipal Commercial Credit Card and Expense Management Services

The City of Orange Beach is evaluating its municipal commercial credit card program with the goal of increasing financial returns while improving purchasing efficiency, electronic receipt management, departmental coding, budget tracking, reporting, travel authorization, and internal controls. The City's desired future-state program would provide a competitive cash rebate, monthly rebate payments, sufficient credit capacity for significant municipal purchases, electronic receipt and approval workflows, departmental coding, OpenGov integration or data exchange, downloadable reporting, and implementation and training support. Current Program vs. Desired Program: Feature Current Desired / Proposed Rebate Annual 1.50% standard spend; paid monthly Initial Credit Limit Current limit $800,000 Large Purchases Subject to current capacity Ability to accommodate $250,000+ municipal transactions Receipts Paper/manual Electronic upload Department Coding Manual Online coding OpenGov Manual entry Integration/data exchange capability Reporting Current system CSV/PDF downloads Travel Authorization Paper signatures Electronic authorization planned Training Current process Online training + in-person implementation support The City of Orange Beach is a municipal government located in Alabama. The City conducts a wide range of governmental, public service, operational, recreational, infrastructure, administrative, and other municipal activities requiring the purchase of goods and services. The City's commercial credit card program must therefore accommodate both routine purchases and significant municipal expenditures. The City anticipates an initial aggregate commercial credit card limit of approximately $800,000. The City reserves the right to increase the aggregate credit limit as operational needs require. The selected financial institution must demonstrate the ability to accommodate substantial municipal expenditures without creating unnecessary delays or interruptions in City operations. The City of Orange Beach currently maintains 37 credit cards for authorized departmental and municipal business purposes. The cards are utilized by various City departments for approved expenditures in accordance with applicable City policies and procedures. To assist prospective proposers in understanding the City's current credit card program and anticipated level of activity, the following summarizes the City's monthly credit card spending for the period of July 2025 through July 2026 . Month Total Monthly Spending July 2025 $32,488.51 August 2025 $51,008.03 September 2025 $39,283.68 October 2025 $44,317.39 November 2025 $35,188.23 December 2025 $44,048.34 Average – July–December 2025 $38,672.36 January 2026 $39,005.57 February 2026 $39,894.07 March 2026 $46,343.91 April 2026 $29,184.04 May 2026 $56,833.70 June 2026 $61,883.53 July 2026 $49,788.12 Average – January–July 2026 $46,133.28 The historical spending information provided above is intended for informational and proposal-development purposes only. Actual future spending may vary based on departmental needs, purchasing activity, seasonal fluctuations, and other factors.