Agencies have the highest bonus-category hit rate of any industry. Your advertising, software, and travel spend all fall into 3x to 4x categories. Most agencies earn 1x on everything.
Adjust the sliders to match your monthly business spend. Each category shows which card earns the most and why.
These aren't obvious. Nobody in the marketing & creative agencies industry talks about points optimization. Here's what we see over and over.
If your agency manages $15K/month in Google and Meta ad spend on behalf of clients, that earns 3x on the right business card or 4x on the right card. At 1x, you're leaving 360,000 to 540,000 points per year behind. That's $3,600 to $10,000 in travel.
$15K/month ads at 3.5x = 630K pts/year vs 180K at 1x. Gap: 450K pts.
Adobe, Figma, Canva, Monday.com, Slack, and other software subscriptions may code as software on Amex, earning 4x. Agencies stack up $2K+/month in tools easily.
$2K/month software at 4x = 96K pts/year vs 24K at 1x.
Flights, hotels, car rentals, and production travel all earn 3x on the right business card. Agency teams that travel regularly for clients, conferences, or shoots compound significant value.
$3K/month travel at 3x = 108K pts/year.
Almost everything an agency spends money on hits a bonus category: ads (3x-4x), software (4x), travel (3x), phone/internet (3x-5x). The only low-earning category is freelancer payments and rent. A 4-card stack captures 2.2 to 2.8x on average.
$28K/month at 2.5x avg = 840K pts/year. Worth $8,400 to $16,800 in travel.
Every vendor sends a merchant category code (MCC) when you swipe. 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. We match every vendor to its highest-earning card.
We've mapped how your vendors code with card networks. Verified, not guessed.
Every bonus category has annual caps. We shift routing before you hit a ceiling and drop to 1x.
Earning is half. We route redemptions to partners where points are worth 2x to 5x more than cash.
Your card stack, routing rules, and redemption strategy are built specifically for your vendors and spend. See what yours looks like.
Same spend. Different strategy. Different outcome.
Hypothetical example for illustration. Actual results vary based on your specific vendors, card products, and redemption choices. This is not financial advice.
No apps to download. No spreadsheets. Just a conversation.
4 questions. Takes 2 minutes.
Cards, balances, credits, programs.
Card stack, routing rules, bonus calendar.
Proactive alerts, weekly digests, strategy.
The same routing intelligence, applied to 20+ verticals. Different vendors, different MCC codes, same rigorous math.
Message us. We'll tell you exactly what your marketing & creative agencie business is leaving on the table.
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