What Is Your Business
Return on Spend?

See how much travel value your business earns on every dollar you put on cards. Industry-specific multipliers. Real transfer partner math.

1
Industry
2
Spend
3
RoS
Step 1 of 3

What is your industry?

This determines your blended earn rate based on how your vendors typically code with card networks.

Step 2 of 3

Your monthly business spend.

Adjust each category. We apply your industry multipliers automatically.

Total monthly spend$0
0
optimized points per year

Estimate only. This is based on category averages and common transfer-partner valuations. Actual results depend on your specific cards, spending, and how you redeem. Not a guarantee of any outcome and not financial advice.

Step 3 of 3

Your UpNonStop RoS.™

Return on Spend. The percentage of travel value your business earns back on every dollar you spend.

Your Business RoS™
0%
1%
Flat cashback
2%
Premium card alone
0%
With First Officer
What is UpNonStop RoS?

Return on Spend measures the travel value your business earns per dollar of card spend. A standard cashback card returns 1 to 2 cents per dollar. With optimized category routing and transfer partner redemptions, business owners can achieve significantly higher returns. RoS is the single metric that shows the difference.

💬 Start on WhatsApp

4 questions. Your personalized strategy in 24 hours.

Booked for our Preferred & Signature members this past month
Flights and hotel stays redeemed with points. Hover any card to see the breakdown.

Showing 20 of 60+ recent bookings. Reload for different results.

* UpNonStop RoS (Return on Spend) is an illustrative metric showing estimated travel value as a percentage of total card spend. Based on industry-specific category multipliers and transfer partner valuations (approximately 2 to 3.5 cents per point). Actual results vary based on specific cards held, vendor MCC codes, spending patterns, and redemption choices. This is an educational estimate, not a guarantee of returns.
Looking for the Personal Calculator?
Or explore by industry.

Dive into honest multiplier research, vendor-specific insights, and real math for your vertical.