First Officer monitors your cards, credits, and loyalty programs around the clock. Every missed point, expiring credit, and smarter redemption route.
Your Amex, Chase, and corporate cards are earning points you never optimize. That's $4,000 to $25,000 a year in potential value left behind. We help you capture it.
*Illustrative. Individual results vary based on your specific portfolio, spending patterns, and redemption choices. Not a guarantee of any outcome.
Most people have no idea their points are expiring, their credits are resetting, or their card is earning 1x when it could earn 4x. First Officer watches all of it.
Hundreds to thousands in airline, dining, and hotel credits reset annually. Most cardholders forget before the window closes.
Most purchases end up on a card that is not earning the best category multiplier.
Average points redemption is 1 cent. Optimal is 3 to 8 cents per point.
SMB owners put $100K to $500K+ on cards every year. Without a strategy, you're leaving 2 to 5% of that on the table.
Unrealized points value on typical business spend.
Multiple cards, no category strategy. Every swipe is a missed opportunity.
Transfer bonuses, category changes, signup windows. Nobody has time for this while running a business.
4 questions. 2 minutes.
Balances, credits, expiry dates, opportunities.
Personalized optimization score and action plan.
Proactive alerts, weekly digest, ongoing intelligence.
Sample conversations below are AI-generated illustrations. Recommendations should be verified before acting. Not financial advice.
Groceries on Gold. Gas on Ink. Software on Preferred. We show you which card to use for every category so every dollar earns what it should. Most people use one card for everything and earn 1x. That gap is value you may be leaving on the table.
Sysco on Ink. SaaS on Preferred. Fleet fuel on the right corporate card. We help you optimize $25K to $200K+ of monthly spend across your entire card stack. Different vendors code differently. We know which card earns the most at each one.
Transfer bonuses, flash award sales, error fares, expiring credits, program devaluations. These happen constantly. We watch all 629 programs and tap you on the shoulder the moment something affects your wallet.
Conference flights at 3x value. Team retreats on points. Transfer windows that open and close in days. We find the opportunities you'd never have time to search for and show you your best options for acting on them.
100K points redeemed as a statement credit: $1,000. Transferred to Hyatt: $3,000 in stays. Transferred to the right airline during a bonus window: a $6,000 business class seat. We show you where to move your points for the best rate.
First Officer is currently in early rollout with a limited cohort of beta members.
As we collect verified client stories, we'll share them here, with permission, attribution, and full context. No fabricated numbers, no cherry-picked wins.
First Officer is a team of 10 dedicated specialists. Some build your strategy. Others protect your portfolio around the clock. Here's who's working for you.
Strategy and memory. These two make everything else possible.
Once a month, Strategist sits down with your full portfolio and builds a comprehensive game plan. Which cards to keep, which to cancel, where to apply next, how to restructure your spend routing, and what your points portfolio should look like in 12 months. This is the deep thinking that ties everything together.
Remembers everything about you. Every card you have, every program you belong to, your travel preferences, past conversations, goals, and history. When you message First Officer, you never have to repeat yourself. Archivist makes sure every specialist already knows who you are and what you care about.
These specialists run in the background every day. You don't need to ask them anything. They find problems and opportunities before you even know they exist.
Watches 629 loyalty programs for changes that affect your wallet. Transfer bonuses, program devaluations, expiring points, resetting annual credits. If something is about to cost you money or create an opportunity, Ranger catches it and shows you your best options before the window closes.
Hunts for award seats, hotel nights, and redemption deals that match your travel goals. Flash sales, error fares, sweet spot routes that most people miss. When business class to Tokyo opens up at 55,000 points instead of 120,000, Spotter finds it first.
Tracks every welcome bonus you're working toward across all your active cards. Knows how much you've spent, how much is left, and when the deadline hits. Also tracks your application timeline so you never miss a window or trigger a restriction.
Delivers your monthly portfolio statement: total points value across all programs, unrealized gains from unoptimized spend, missed opportunities from the previous month, and your redemption performance compared to benchmarks. Think of it as a monthly P&L for your points.
Ask a question, plan a trip, or request a strategy. These specialists respond in real time with expert-level answers.
Your unlimited Q&A line. Ask anything about points, miles, cards, programs, or travel strategy and get an expert-level answer. Not a search result. Not a generic FAQ. A personalized response that accounts for your specific cards, balances, and goals.
When you have a trip in mind, Optioneer maps every possible path. Which programs to use, which transfer partners to route through, how many points each option costs, and what each is worth in cash. You see all the options side by side. Then Commander picks the best one.
Optioneer shows you the paths. Commander picks THE one. Not five choices. Not "it depends." The option we'd recommend you consider, with suggested steps: which points to transfer, which program to book through, the phone number to call, and a backup plan if the first path doesn't work. Always verify availability directly with the program before transferring.
Set a destination and a date. Planner reverse-engineers the entire path: how many points you need, which programs to accumulate in, which cards to apply for, and what your weekly earn rate needs to be. Then sends you progress updates every week until you're fully funded.
Every business has a different spend profile. We build strategies around yours, not generic advice.
Estimated annual unrealized value. Individual results vary based on your specific spend profile. Calculate yours in 60 seconds →
Show you a dashboard. You figure out what to do. $30 to $100/year.
Shows you your best options. Does the research. Sends the alert. $19 to $349/mo.
Expert, per-trip, business hours only.
4 questions. Your score in 24 hours.
Free 20-minute business spend audit.
Expert award travel intelligence. Scales with your needs.
First Officer uses artificial intelligence to analyze your rewards portfolio. AI-generated information should be verified before acting. First Officer is not a licensed financial advisor.
Award bookings are where the biggest value lives. And where the most value gets left on the table. A business class seat that costs $8,000 cash might cost 55,000 points through the right transfer partner at the right time. But getting there requires navigating hold queues, transfer timing windows, partner availability calendars, and backup routing. One wrong step and the seat is gone.
We do all of it for you. For $500, regardless of party size.
These actions are performed by our Concierge specialist only with your explicit, per-trip authorization. Our automated system never executes transactions on your behalf.
We search across every transfer partner, every routing, every date combination. Not just "is it available" but "what's the best value path for your specific points."
Point transfers timed to the minute. Phone calls to airline partners. Holds placed while we confirm the rest of the itinerary. Seat assignments. Meal requests. All of it.
Award seats disappear. Transfers fail. Airlines change availability. We have the backup routing ready before the primary one falls through. You never start from zero.
*Comparison figures are estimated from publicly available industry pricing. Actual costs vary by provider and scope. Results are illustrative.
$500 flat. No percentage of trip value. No hidden fees. Family of 2 or group of 12, same price. You get the research, the execution, the phone calls, the backup plans, and a confirmed itinerary. We've done the work before you even think about packing.
No signup. No app. Just message us on WhatsApp and we'll show you what your points are actually worth.
20-minute audit. We'll map your vendors, your cards, and the gap between what you earn and what you should.
You signed up for the Sapphire Preferred two years ago. You've got some Amex points from that Gold card. Maybe Marriott Bonvoy and a random airline program. Points are scattered everywhere, some are expiring, and when you finally go to book a trip you just pay cash because figuring out the optimal path takes three hours you don't have.
Meanwhile, that couple down the street just flew business class to Tokyo with their kids for $400 in taxes. Same income as you. Same credit cards. Different strategy.
The difference isn't knowledge. It's having someone who watches your portfolio, catches the right moment, and shows you your best options.
Airlines and hotels count on this. Every expired point is revenue for them and lost value for you. *Industry estimate; figures vary by year.
100K points as a statement credit: $800. Transferred to the right airline partner: $5,000 in business class. Same points.
The majority redeem through portals at 1 to 1.25 cents per point. Transfer partners typically pay 2 to 5 cents. That is the gap we show you how to close.
Apps show your balances. Consultants charge $400/hour. Neither watches your portfolio while you sleep. Neither messages you when a transfer bonus goes live that could save you $3,000 on your anniversary trip.
Show balances. Don't advise.
Proactive. Personal. Always on.
Expert. Per-trip only.
Example messages and scenarios below are illustrative. Recommendations shown are AI-generated and should be verified before acting. Actual value depends on your specific portfolio, availability, and timing. Not financial advice.
These are the types of messages First Officer sends to clients every week.
"Your Amex Platinum airline credit resets in 9 days. You have $200 remaining. Suggested option: buy a Southwest gift card. Credits instantly, never expires, use it anytime."
Without this: $200 gone. With it: $200 saved in 2 minutes.
"Hyatt award availability just opened for your Hawaii dates in December. Category 4 property. 15,000 points per night instead of $380 cash. You have 62,000 Hyatt points. Want me to walk you through the booking?"
Without this: you book at $380/night ($1,520 for 4 nights). With it: 60,000 points for the same room. $1,520 stays in your pocket.
"Virgin Atlantic just launched a 30% transfer bonus from Chase. You have 85,000 Ultimate Rewards. Transfer 60,000 now and book ANA business class to Tokyo for 2. Normally 120,000 points. Window closes Monday."
Without this: you book economy for 70K points next month. With it: business class for less. This weekend.
"Your 12-month plan: Apply for the Amex Gold next month (you're 3/24). Move groceries and dining there for 4x. Keep your Sapphire for travel at 3x. Start accumulating toward Maldives in February. You need 140K more Hyatt points. At your current earn rate, you'd be on track to reach it by November."
This is the deep work that turns scattered points into a family trip to the Maldives.
Same groceries. Same gas. Same Amazon. Same Netflix. Different strategy.
Hypothetical example for illustration. Actual results vary based on your specific cards, spending patterns, and redemption choices.
Some watch your portfolio around the clock. Others respond when you have a question or want to plan a trip. All of them remember who you are, what cards you have, and what you're working toward.
Watches 629 programs for expiring points, transfer bonuses, credit resets, and devaluations.
Hunts for award seats, hotel availability, flash sales, and sweet spot routes matched to your goals.
Tracks signup bonus progress across all your cards and tracks your application timeline.
Monthly portfolio statement: total value, unrealized gains, and how your redemptions performed.
Ask anything about points, cards, or travel. Get personalized expert answers, not generic FAQs.
Maps every path for your trip: which programs, which transfers, what each costs, what it's worth.
Picks THE one. The exact transfer, the booking path, the phone number, the backup plan.
Set a trip goal. Planner reverse-engineers the path and sends weekly progress updates.
Monthly deep-dive: which cards to keep, which to cancel, where to apply, and your 12-month plan.
Remembers everything. You never repeat yourself. Every specialist knows your full history.
Most people spend hours optimizing which card to use. Then they cash out at the worst possible rate. The redemption side is where the real money is.
100,000 points as a statement credit: $800. Those same points transferred to Hyatt: a week in Maui. Transferred to ANA: business class to Tokyo. Our job is making sure your points end up on the right side of this table.
The major points media sites earn $200 to $400 per card signup they refer. Their "best card" lists are ranked by commission. We work for you. When we suggest a card, it's our honest recommendation based on your specific spending, not an affiliate placement.
Our software and AI tools never collect or store your passwords, card logins, or banking credentials. You share data by telling us your cards and forwarding loyalty program emails. We never access your accounts directly. For Concierge award booking only, you may voluntarily share credentials directly with our human specialist for a single trip. That's a separate, explicit, client-initiated engagement, outside the automated system.
Row-level isolation. CCPA compliant. Data export and deletion available on request. Full deletion within 30 days of cancellation.
4 questions. Your personalized score in 24 hours.
You pay vendors, run ads, subscribe to software, fuel vehicles, ship products, and cover insurance. Most of it goes on one card. That card earns 1 point per dollar on nearly everything. A properly routed 3-4 card stack earns 1.6x to 2.8x on the same spend. The gap is $4,000 to $25,000 per year in travel value you're not capturing.
The problem isn't the cards. It's that your Sysco orders, your Google Ads, your FedEx shipments, and your SaaS subscriptions all code differently with card networks. Different merchant category codes trigger different multipliers on different cards. Without knowing how your specific vendors code, generic "best business card" advice is useless.
We've done the research. For more than 20 industries and counting.
rely on one primary card for everything
on wholesale, supplies, insurance
on ads, software, shipping, internet
with verified MCC codes and caps
Every industry has a different spend profile. A restaurant putting $15K/month through Sysco earns differently than an e-commerce business shipping $20K/month through FedEx. We've verified the actual MCC codes, documented the caps, and calculated honest blended earn rates for every major business vertical.
Critical insight most "best card" articles miss: wholesale distributors (MCC 5099/5199) earn 1x on every bonus card. Industries with heavy supply spend earn less than industries heavy on advertising, software, and shipping. We tell you exactly why.
Calculate your exact number in 60 seconds →
Be the first. We'll run a free Proof of Concept on your specific spend profile and build your custom multiplier analysis from scratch.
Start your POC →Same Home Depot Pro orders. Same fuel. Same insurance. Different card routing.
This example uses verified contractor industry multipliers. Home Depot Pro codes vary. Actual results depend on specific vendors and card products. See the full contractor breakdown.
When you swipe a card, the vendor sends a merchant category code (MCC) to the card network. That code determines your multiplier. The same $5,000 payment earns 5,000 points on the wrong card or 20,000 on the right one. Our mapping engine matches every vendor to its highest-earning card recommendation.
We've mapped how thousands of vendors code with every major card network. Not guesses. Verified codes.
Every bonus category has annual caps. We track your progress and shift routing before you hit a ceiling and drop to 1x.
Earning points is half the equation. We show you the redemption partners where your points are worth 2x to 5x more than cash.
Your card stack, your routing rules, and your redemption strategy are built specifically for your vendors, your spend profile, and your goals. See what yours looks like.
Chase can only optimize within Chase. Amex within Amex. We see across every card, every program, every issuer. No bank can replicate this.
We reach out. "New 40% transfer bonus." "Your credit resets in 9 days." "You're $800 from your signup bonus." No dashboard to check. No app to open.
We've verified how your specific vendors code. Sysco = MCC 5099 = wholesale = 1x on most bonus cards. Google Ads = 3x on the right business card. We know which card earns the most for every vendor in your industry.
The major points media sites earn $200 to $400 per card signup they refer. Their recommendations serve them. Ours serve you.
We handle business financial data. That comes with responsibility we take seriously.
Our software and AI tools never collect or store your passwords, card logins, or banking credentials. You share data by telling us your cards and forwarding loyalty program emails. We never access your accounts directly. For Concierge award booking only, you may voluntarily share credentials directly with our human specialist for a single trip. That's a separate, explicit, client-initiated engagement, outside the automated system.
Every client's data is completely isolated. Enforced at the infrastructure level, not just application level.
View, delete, or export your data at any time. Full deletion within 30 days of cancellation.
First Officer is an educational tool. All information is for educational purposes only. Your decisions are yours.
Free 20-minute business spend audit. No commitment.