A shop profile at $81,000 a month of card-able spend earns about 162,000 points a month with every bonus rate capped on published terms, and nets about $2,424 a month after our fee at our current valuation. The routing is the work. The receipt is on the calculator.
This page's profile is the starting point on the calculator. Move the sliders to your own numbers. Every bonus rate is capped on published terms, rent and payroll stay off the card, and our fee comes out before you see a number.
None of this is obvious from a statement. It is what the desk sees on a shop profile, line by line.
Your biggest line, $44,000 a month, codes outside every bonus category on the cards that matter. A debit card earns nothing on it. The no-fee 2x card earns two points on the first $50,000 a year and one point after that. The flat-2x card with an annual fee earns two points on all of it. Neither is a bonus. Both beat the debit card by six figures of points a year.
$528,000 a year. No-fee 2x card: 578,000 points. Flat-2x card with a fee: 1,056,000 points. Debit card: 0.
Left off this profile: bay and lot rent, payroll. Rent and vendor bills can ride a bill-pay service at 2.9%; at this page's own defaults 2x is worth about 3.7 cents a dollar after the honest discount, so it clears by well under a cent. The desk decides those line by line.
2 points × 3.0 cents × 85% redeemed × the honest discount = about 3.7 cents a dollar. Minus a 2.9% bill-pay fee = well under a cent. That is not a strategy; it is a rounding error with a fee attached.
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 up to 20,000 on the right one, inside the pool. 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 flag the pool before it fills, so the next dollar goes to the next rate down instead of to 1x.
Earning is half. We show you which redemptions clear our current valuation and which do not, and we print the call before the booking.
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.
Illustrative profile, not client data. Point valuations are estimates based on common redemption benchmarks; actual value depends on how and when you redeem. Bonus rates capped on published product terms, before card annual fees. Not a guarantee of any outcome and not financial or tax 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, applied to 20 verticals. Different vendors, different coding, one set of published terms, our fee already out.
Generic card advice sorts spending into dining, travel and office supplies. That is not what your P&L looks like. This is.
Frequently code as wholesale rather than automotive, which quietly caps the earn rate.
Lumpy, large, and usually bought on whatever card is in the drawer.
Steady weekly spend that adds up to a category worth routing.
Paid fast, often by transfer, and invisible in most rewards plans.
Message us. We'll show you what your auto repair shop is leaving on the table.
💬 Text Your First OfficerThe newsletter behind the desk: what the desk booked on request, what it cost in points, and what it would have cost in cash. Free, and you can leave whenever you like.
