Every loyalty program is built to confuse you.
Here's what your spend is really worth.
~$25K fit: about where the desk's finds start to clear the $550 fee, est.
- vs the fee
- $550
- a month, flat
- Return
- 1.5×
- +$300 a month left
✓Clears the fee.
Blended rate, est.: about 1.2 points per $1 on your cards today, about 3.4 with your desk. Your lines can earn more or less. Go advanced for every line.
- ✓One slider. One answer, in dollars a month.
- ✓Set against the $550 a month fee, side by side.
- ✓Fits, close call or not a fit, shown plainly.
Move the slider to what your business puts on cards each month. You see what your desk finds, est., next to its flat fee. Want every line of your spend? Go advanced below.
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
Every line of your spend.
Every card, every point.
Pick your industry for a typical spend mix, then type your own numbers. Each line goes to its best card, and the answer moves as you do.
Cents a point, est. The floor is a plain cash out. The top is a level a well-planned booking can reach again and again, not a one-off.
- Left each month
- +$300
- +$100 to +$500, est.
- Return
- 1.5×
- 1.2× to 1.9×, est.
- Extra points
- +77k
- a month; we count 85%
✓Clears the fee.
The math, in plain words.
Four steps, no magic.
The same four steps run on your Found Money Call, from your real statements. Every figure here is an estimate.
Each line goes to its best card
Ads and software to the 4x card, internet and phone to 3x, the rest to 2x. That is your desk's points a month, next to what your cards earn today.
Only 85% of the new points count
Some points always go unused, so 15% stays out of every estimate. Your points today are not counted at all, only the extra.
Valued at how you will use them
A cash out is the floor, about 1¢ a point. Planned trips run higher. The answer is the middle of that range, and the range is shown.
Then the $550 comes off
What your desk finds, against $550 a month, flat. Return is the one divided by the other. Under ~$25K a month on cards, it says not a fit yet.
Every assumption, line by line
- Basic
- One spend figure at a blended rate: about 1.2 points per $1 today and about 3.4 with your desk. That is a service business like the insurance agency mix, so Basic at $35K matches it.
- Advanced
- Your spend by line, at the rate shown for each line, today and with your desk. "Your cards today" can swap your rates for one flat card.
- Cents a point
- Mixed 1.0¢ to 1.6¢, cash out 1.0¢, economy 1.0¢ to 1.4¢, top hotels 1.2¢ to 2.0¢, business class 1.5¢ to 2.0¢. Estimates, not results from past bookings. We count low on purpose: a premium cabin can price a point at 5¢ to 12¢, est.
- Verdict
- Clears the fee when even the floor beats $550 a month. Close call when only the top does. Under ~$25K a month on cards, not a fit yet.
Points prices move by date and program. Your desk checks live prices with you and books only after you approve.
Fits, close call or not a fit: the calculator shows each case. The Found Money Call walks through your real statements.
Estimates on the calculator's model: 85% of points used, 1.0¢ to 1.6¢ a point on a mixed use, against $6,600 a year. Every figure is an estimate, not a guarantee; award space and program rules change. Owners shown are fictional examples. Not a licensed financial advisor. US businesses only.