A method for providing a current density set-point for a fuel cell stack in response to a power request from the stack where the set-point is determined based on system parameters that identify the life and degradation of the stack. The method includes dividing a current density range of the fuel cell stack into a predetermined number of sample regions, and selecting the sample regions in order from low to high during the current set-point analysis. The method calculates an average cell voltage for the current density of the selected sample region, and stack power from the average cell voltage. The method then determines whether a power request signal is less than the stack power for the selected sample region and greater than the calculated power for the previous sample region, and if so, calculates the current density set-point at the requested power based on these values.