The rewards desk for American small business.

A service, a system, and a promise: the value your business spend already earned gets found, booked, and reported in dollars, every Friday. One flat fee. Zero affiliate money. Every decision yours.

$550

Flat monthly · Cancel anytime

20 min

Free spend check · We size your capture first

Friday

Dollars saved reported every Friday

Yours

Every decision, always

The Mission

Return what was already earned.

Give every American small and medium business a professional rewards desk, so the dollars their spending already earned come back as capital and flights instead of quietly expiring. Owners run payroll, chase invoices, and take care of people. Nobody has spare hours to babysit transfer bonuses and statement credits. That is a full-time job. So we made it one.

The Story

From a white-glove advisory to a desk that never sleeps.

Four beats, one throughline: attention pays. Here is how the desk came to be.

THE ADVISORY

It started with hands-on work

First Officer began as a white-glove award travel advisory for business owners: real portfolios, real routing decisions, real bookings. The results were consistent, and the reason was simple: attention.

THE OBSERVATION

SMBs get repaid worst

American small businesses put more heart per dollar into their spending than any corporation, and the rewards game repays them worst, because the programs are built to confuse the busy.

THE DESK

So we built the machine

A consortium brain that watches 108 cards and 13 issuers around the clock, eight software agents underneath, and professionals in command. Delivered in WhatsApp, because that is where owners already live.

TODAY

One thread, one flat fee

Clients text the desk like a brilliant friend. The desk answers with math, books with approval, and reports the dollars saved every Friday. WhatsApp and SMS today, the app next.

The Model

Software that watches. Humans who command. You decide.

Three parts, one desk. The board below is on duty right now.

01 · The Software

Eight agents, always on

The consortium brain watches 108 cards, 13 issuers, and every window on your portfolio. It never sleeps and it gets sharper with every client.

02 · The Humans

Professionals in command

Not support reps. A team reading what the agents surface, making best-in-class calls, and getting the award travel booked.

03 · You

Your yes, required

Read-only on every connection. Every recommendation with its math. Nothing moves without your approval.

ScoutWatches every vendor, code, and windowONLINE

StrategistTurns real spend into a compounding planONLINE

OracleFinds the seats the charts try to hideONLINE

OptioneerRuns the math and shows the workONLINE

CommanderTimes every application, nothing collidesONLINE

RangerFuel, fleets, and the road detailsONLINE

ArchivistEvery credit, expiry, and autopay, rememberedONLINE

HunterChases bonuses across the lineONLINE

The Vision

A rewards desk as standard as payroll.

Every American SMB with a professional desk watching its spend: the Friday capture report as expected as the payroll run, and the family trip paid for by invoices that were getting paid anyway. Best-in-class financial freedom is not a lottery ticket. It is a system, run on your side of the table, that quietly hands back what you already earned.

The Principles

Simple, and non-negotiable.

The rules we run on. They never bend, because your trust is the whole business.

Zero affiliate money

No commissions from issuers, ever. Our advice has exactly one customer: you.

Read-only, always

Connections observe. They never move money and never can.

Math shown, yes required

No black boxes and no surprises. If we cannot show the number, we do not make the call.

From the Founder

One promise, in my own words.

A note from Ohad

I built First Officer because I kept watching brilliant business owners leave real money on the table. Not from carelessness. From busyness. Nobody has spare hours to babysit transfer bonuses and statement credits.

So the desk babysits them for you. The machine watches, the humans command, and every single decision stays yours: shown with its math, approved by you, cancel anytime. That is what financial freedom looks like to me. Not a lottery ticket. A system that quietly hands you back what you already earned.

You've already earned it.

Your Competitors Route Their Spend. Do You?

A 20-minute spend check, in your messages. Your capture number, computed. An honest no if the math says no.

💬 Text Your First Officer Read The Daily Redemption

The Daily Redemption

One real redemption, every weekday.

The newsletter behind the desk: what we booked, what it cost in points, and what it would have cost in cash. Free, and you can leave whenever you like.

First Officer by UpNonStop™