Earn · Burn · Return · Learn

You are not bad at Points & Miles. You are just
outnumbered.

×Your biggest spend earns 1x.
×Your points sit while the rules change.
×Your credits lapse before anyone looks.

Book the free Found Money Call → Run your numbers

Month to month, no exit fee.

You'll wish you'd started sooner ;)

9:41

First OfficerExample

Good evening, Leo

Linden Row's Earn

Tap a tab to try each mode.

Leo's spend today$420ka year on cards, earning 1.2x

What the desk finds, est.Points a year

504k→1.26M

Today

With the desk

Points, going furtherTokyo in business for 232% there, est.

Example: Leo, Linden Row Insurance, Columbus, OH. Fictional. Figures are estimates.

Every travel loyalty program has a team constantly rewriting the rules.
While you run your business, your spend earns less than it should, and your points buy less than they could.
First Officer works on that with you, so nothing you have already earned slips through the cracks.

Your spend, working harder.
Your points, going further.

Every loyalty program. One desk to rule them all.

Illustrative examples: owners and conversations are fictional, figures are estimates. Not affiliated with, endorsed or sponsored by any bank, airline or hotel program. Program names and logos are trademarks of their owners, shown for identification only. Important information

Note from Ohad

Honestly? You might not need a “First Officer” to optimize your points & miles.

Everything I've learned, tested and dug up about points and miles is on this site, free. Read it, use it, keep it. I put it all in the Freebies section, which I update daily.

But if you'd rather have my team and me in your corner, doing the work and getting you there faster, we've priced it for business owners like you: $550 a month, flat, with $500 award travel redemptions when you need them.

Run your numbers in the calculator today. If we're not a fit, it'll tell you, and so will I.

Book the free Found Money Call → Run your numbers Grab my freebies

Now, let me explain what we do.

You run the business.
The desk runs the points.

Leo owns Linden Row Insurance, a fictional agency in Columbus, Ohio. What was leaking, and what the desk caught.

Leo, ownerLinden Row Insurance · fictional example

01The problem

Leo put $35,000 a month on cards.Most of it earned the minimum.

Lead-gen ads, agency software, and trips to the insurers he sells for.

Card rewards depend on what the money buys. Many business cards pay a bonus on a few kinds of spend, often 3 or 4 points per dollar, and 1 point on everything else. Leo's ads and software, $17,500 a month between them, sat on cards paying 1 point. Cards that pay 3 or 4 on exactly that spend, up to a yearly cap, were never in his wallet. Nobody on his team owned the rewards, so nobody caught it.

Leo's month on cards

Example

Lead-gen adsOn a card that earned 1x

$12,5001x

Office and vendorsSpread across cards

$12,5001.5x

Agency softwareRenewed every month

$5,0001x

Carrier travelBooked wherever was quick

$5,0001x

About $420,000 a year$35,000

October · Us vs flat 2% cash back

Example

+$430ahead, after fee

Flat 2% cash back$700

First Officer, after fee$1,130

02The pain

1.2 points per dollar.The same spend could earn 3x.

That was Leo's average across every card, while the rules kept changing under him.

The points he did earn sat scattered across programs, losing ground every month they sat. The Tokyo trip stayed a someday.

1.2x

Left on the table$12,240a year, at the same spend. Example, est.

Ads on a 1x cardHis biggest single bill earned the least.

A credit about to lapse$530 of travel credit, unclaimed.

03The solution

One conversation.
Four jobs, done for Leo.

Leo texted the desk once. Earn, Burn, Return and Learn started the same week.

Behind the thread, we read his statements line by line, matched every bill to the card that earns the most on it, and showed him the math on each move. Nothing moved until he said yes.

Earn1.2x → 3xper $1 of card spend, est.
Burn32% thereTokyo in business for 2, est.
Return$622found in one Friday, est.
Learn5¢+a point on the Tokyo flights in business, est.

Example: Leo, Linden Row Insurance, Columbus, OH. Fictional. Figures are estimates.

The desk, thinkingPath 1 of 4 · Earn

Active strategy path

Example signals in the desk's own words. Merchant codes typically apply; estimates, not guarantees.

04The technology

Every program, watched.
One voice in front of Leo.

First Officer kept every program on Leo's file current as the rules changed. A person reviewed every booking before it happened, so every redemption was vetted for value before a single point moved.

Leo asked once. First Officer checked it against his spend and the latest rules, and handed back one clear answer.

TellSay it in the threadHis cards and roughly what runs through each.

SendA statement a monthThe desk reads every line. His login stays with him.

ConnectOnce, read-onlySettled transactions arrive on their own.

Read-only, always. The desk sees his transactions and cannot move a dollar. How the desk is built →

Latest for Leo

Amexto First OfficerEarn

Lead-gen ads typically code as advertising, which the 4x card rewards up to a yearly cap. About $6,240 a year, est.

Just now: Delta rules checked · Aeroplan partner awards

Every program Leo's spend touches, watched in one place. One voice answers him: First Officer.

05The win

The money showed up.
In dollars, every Friday.

Earn was on its way from 1.2x to 3x.

$4,800 a year was already confirmed against his statements, with the ads move still waiting for his OK. Tokyo in business for two was 32% there, on pace for March 2027. All est.

Week 43 scorecard

Example

$622this week, est.

Software on the 4x card$55
Carrier travel on the 3x card$37
Unused travel credit, claimed$530

9:41

First Officerby UpNonStop™

Example

✓ It's confirmed

Found money

+$4,800

a year, now confirmed est.

Software and carrier travel moved to better-earning cards. The statements confirm it, so it moved from waiting to found.

Travel this month$5,000

Points earned15,000

All moves, est.$12,240

✓Checked by the desk against the statement

Next mission

Ads to the 4x cardWaiting for Leo's OK

+$6,240 est.

ApproveShare

See it on my ledger

9:41

First Officerby UpNonStop™

Example

October scorecard

Ahead of flat cash back by

$430

this month, after our $550 fee est.

Flat 2% cash back$700

First Officer, after fee$1,130

Same $35,000 of spend. The same frictions come out of both columns.

✓Checked by the desk

Next mission

November scorecardLands December 1, same $35,000 spend

+$430 est.

Remind meShare

See the full month

9:41

First Officerby UpNonStop™

Example

Milestone · Tokyo

Points toward Tokyo

102,400

of about 320,000 points est.

Tokyo, spring 2027Business for 2, round trip, est.

Aug 202632% todayMar 2027

The desk vets the requirements and books after Leo approves.

Next mission

Pick the Tokyo datesSpring 2027 window, business for 2

68% to go

Pick datesShare

See my strategy

The ledger, shareable

Example

Linden Row Insurance routed its spend and is 32% of the way to Tokyo.Found money this year: $12,240 est.

Hide dollar amounts

Nothing is shared until Leo taps Share.

06The proof

Proof in every pillar.
Earn, Burn, Return, Learn.

What the desk found for owners like Leo, one card at a time.

**Tokyo in business for 2**Leo · Linden Row Insurance

**Bali honeymoon in business**Ines · Maple & Moss Candle Co.

**Maui for a family of 4**Hector · Desert Breeze Heating & Air

**Paris for 2 in April**Imani · Velvet Chair Salon

**Cancun for the top 6 agents**Terrence · Keystone Realty Group

**Kyoto in cherry blossom season**Yuki · Petal & Stem Florals

**Lisbon in business for 2**Anjali · Bright Hour Creative

**Istanbul in business for 4**Wade · Ridgeway Freight Lines

**The Maldives, Qsuites**Callum · Stride Physical Therapy

**Cabo for the family**Dustin · Ironclad Commercial Roofing

**London with her daughter**Joanne · Ledgerline CPA

Where the points are going, est. Fictional owners; award space is set by each program.

EarnWhich card for which spend.

EarnAds 1x → 3.6x+$6,240 a year, est. Waiting for Leo's OK.Leo · Linden Row Insurance

EarnSoftware to the 4x card+$2,880 a year, est. Moved, confirmed on the statements.Leo · Linden Row Insurance

EarnAds to 4x, shipping to 3x360k today → 1.08M points a year, est.Ines · Maple & Moss Candle Co.

EarnFuel on the right card484k today → 1.19M points a year, est.Hector · Desert Breeze Heating & Air

EarnJob board ads at 4x, internet at 5x360k today → 1.01M points a year, est.Kofi · Crestline Staffing

EarnFuel cards for 14 driversUncapped 2x against the fleet discount, priced honestly. 760k → 1.9M, est.Wade · Ridgeway Freight Lines

EarnStore phones to 5x, 7 locations640k today → 1.79M points a year, est.Lucia · Sunbelt Franchise Group

EarnAds to 4x on the points card341k today → 744k points a year, est.Teresa · Little Fig Trattoria