Auto repair shops spend $10K to $50K monthly on parts, fluids, and equipment. Most auto parts suppliers code as specialty retail. earning 1x. Your advertising and fuel spend can do much better.
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 auto repair shops industry talks about points optimization. Here's what we see over and over.
AutoZone Commercial, NAPA, and O'Reilly code as auto parts stores. not a bonus category. But they still earn 2x on the right catch-all card. On $10K/month in parts, that's 240,000 points per year versus zero on debit.
$10K/month parts on the right catch-all card = 240K pts/year at 2x.
Your Google and Yelp ads earn 3x on the right business card. Even $1,500/month separated onto the right card nets 54,000 points per year instead of 18,000.
$1.5K/month ads at 3x = 54K pts/year. At 1x = 18K.
If your Mitchell 1, ShopWare, or Tekmetric subscription codes as software, the right card can earn 4x. Small amounts per month, but it all compounds.
$500/month software at 4x = 24K pts/year.
Two business cards in year one: 170,000+ bonus points worth $2,500+ in travel. Most shop owners don't even know this exists.
the right business card 100K + the right category card 70K = $2,500 to $3,500 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 auto repair shop business is leaving on the table.
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