Cleaning companies spend $8K to $40K+ monthly on supplies, vehicle fuel, insurance, and equipment. Most of it earns 1x on a personal card. A smart card stack captures 1.5 to 2.0x. turning your van into a vacation.
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 cleaning services industry talks about points optimization. Here's what we see over and over.
Your supply spend at janitorial distributors or Sam's Club earns nothing on debit and typically 1x on personal cards. On catch-all card, every dollar earns 2 points. On $4K/month, that's 96,000 extra points per year. enough for 3-4 nights at a nice hotel.
$4K/month supplies on the right card at 2x = 96K pts/year = $1,440 to $2,880 in hotel stays.
Gas earns 2x on a gas and office bonus card. Advertising earns 3-4x on the right business card or the right category card. Supplies earn 2x on catch-all card. Running everything through one card means most of your spend earns 1x when it could earn 1.5 to 2.0x blended.
$11K/month at 1x = 132K pts/year. Routed at 1.75x = 231K pts/year. Extra: $1,500 to $3,000 in travel.
Points redeemed for statement credits give ~1 cent each. Transferred to hotel or airline partners, they're worth 2 to 4 cents. One year of properly routed spend on a cleaning business can fund a week-long family vacation.
200K points as statement credit = $2,000. Transferred to Hyatt or United = $4,000 to $8,000 in travel.
Many cleaning business owners use personal cards exclusively. Business cards build separate credit, offer higher limits, and come with signup bonuses worth $2,500+. Two applications in year one net more travel value than most people earn in 3 years of spending.
Two business cards = 170K+ bonus = $2,500 to $3,500 in travel before any spend points.
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 cleaning service business is leaving on the table.
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