A practice profile at $43,000 a month of card-able spend earns about 113,500 points a month with every bonus rate capped on published terms, and nets about $1,534 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 practice profile, line by line.
Your biggest line, $22,000 a month, sits in a 3x category on published terms and earns one point on the card most firms actually use. The rate holds on the first $150,000 a year of its pool, combined with the other lines in that pool, then drops to 1x. Routing it is the single largest decision in this profile.
$264,000 a year. On the card most firms use, at 1x: 264,000 points. Routed, caps applied: 792,000 points. The difference is the whole argument.
The bonus lines carry this profile: software and research, travel booked for clients, $29,500 a month on this profile. On published terms, 4x holds on the first $150,000 a year of advertising, software, fuel and tolls combined, and 3x on the first $150,000 of shipping, travel, internet and phone combined, then 1x. This profile passes the pool: $114,000 a year of bonus-eligible spend runs at the next rate down. Past the pools, a second entity or a second issuer is a desk decision, not a promise.
$29,500 a month on the bonus lines, routed: 1,152,000 points a year. On the invoice card at 2x: 708,000. On a debit card: 0.
Left off this profile: subcontracted specialists, office rent. 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.
Flights and hotels charged to you and reimbursed later, earning on your card if routed right.
Recurring, high margin for the vendor, and routinely on the wrong card.
Paid by transfer when a card would have earned.
Concentrated, expensive, and predictable months in advance.
Message us. We'll show you what your consulting firm is leaving on the table.
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