Consulting firms have one of the best spend profiles for card optimization. Travel, dining, software, and advertising all fall into high-multiplier categories. Most consultants earn 1x on a personal Amex when they could earn 2.2 to 2.8x across a business card stack.
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 consulting firms industry talks about points optimization. Here's what we see over and over.
Personal cards don't separate business spend for accounting, and you miss business card signup bonuses entirely. Business cards have higher limits, separate credit reporting, and often better multipliers. Your $6K/month travel spend on the right business card earns 3x. that's 216,000 points per year.
$6K/month travel on the right business card at 3x = 216K pts/year = $3,240 to $6,480 in redemption value.
Travel, software, dining, and advertising all earn different multipliers on different cards. A consultant spending $18K/month across these categories captures 2.2 to 2.8x blended with a 4-card stack versus 1x on a single card.
$18K/month at 1x = 216K pts/year. At 2.5x blended = 540K pts/year. Difference: $4,800 to $9,700 in travel value.
Online travel agencies (Expedia, Booking.com) often strip your loyalty points, elite night credits, and room upgrades. Book direct, put it on the right card, and you earn both card points AND hotel/airline points. Double-dipping is how consultants travel in business class for the price of economy.
$2K hotel stay via OTA: earn 2K card points only. Direct: earn 2K card points + 10K hotel points + potential upgrade. Over a year: 50K+ extra hotel points.
New client engagements with large upfront travel and software spend are the perfect time to hit signup bonuses. Time a new card application before a $10K-$15K project sprint and the minimum spend requirement meets itself.
the right business card 100K + the right category card 70K = 170K points = $2,500 to $3,500 in travel. Minimum spend met by normal project expenses.
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 consulting firm business is leaving on the table.
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