The rewards desk for American small business.
A service, a system, and a promise: the value your business spend already earned gets found, captured, and reported in dollars, every Friday. One flat fee. Zero affiliate money. Every decision yours.
$550
Flat monthly · Cancel anytime
20 min
The Found Money Call, free · 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 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.
01
Zero affiliate money
No commissions from issuers, ever. Our advice has exactly one customer: you.
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02
Read-only, always
Connections observe. They never move money and never can.
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03
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.
The category
Not a course. Not a card pitch. An operator.
Everything else in this space either teaches you to do the work or gets paid when you apply for something. We do neither.
Courses and masterminds
They certify you
Group calls, a curriculum, a community, and homework that stays yours. Many of them also monetize card signups on the side, which quietly decides what gets recommended.
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Affiliate content
They get paid to point
The facts are usually accurate. The order they are presented in was bought, and the card at the top is the one that pays the most for the click.
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First Officer
We do the work
$550 a month flat, no affiliate money, professionals in command of software that never sleeps, and a dollar number every Friday that either justifies the fee or does not.
See what we can and cannot touch →
Point valuations are estimates based on common redemption benchmarks. Actual value depends on how and when you redeem.
Your Competitors Route Their Spend. Do You?
The Found Money Call: free, 20 minutes, 6 questions, on the channel you choose. Your capture number, computed. An honest no if the math says no.
