General contractors, electricians, and plumbers spend $15K to $80K monthly on materials, fuel, and equipment. Most of that earns 1x. We build a card stack that captures 1.6 to 2.0x on average.
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 contractors industry talks about points optimization. Here's what we see over and over.
Home Depot Pro, Ferguson, and lumber yards typically code as home improvement or wholesale. which means 1x on most bonus credit cards. But the right catch-all card earns 2 points per dollar on everything. On $15K/month in materials, that's the difference between zero bonus points and 360,000 points per year.
$15K/month materials on the right card at 2x = 360,000 pts/year vs 180,000 at 1x on a basic card.
Fleet fuel is one of the few contractor expenses that actually hits a bonus category. The right cards earn 2x to 4x at gas stations depending on your spend profile. With 3 to 5 trucks burning through $4K/month in fuel, the right card triples your return on that spend.
$4K/month fuel at 4x on the right business card = 192,000 pts/year. At 1x = 48,000. Triple the value.
Even small contractors run Google Ads or HomeAdvisor leads. These advertising purchases earn 3x to 4x on the right business card. Most contractors put it all on one card. Splitting $2K/month in ads to the right card earns an extra 48,000 to 72,000 points per year.
$2K/month ads at 3x Ink = 72,000 pts/year. Same spend on a 1x card = 24,000.
Most contractors use personal cards for business. Business credit cards have their own application rules, higher limits, and don't always count against your personal credit utilization. Plus, signup bonuses on business cards can net $3,000 to $5,000 in the first year alone.
Two business cards in year one = 170K+ bonus points = $3,000+ in travel value.
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 contractor business is leaving on the table.
💬 Start on WhatsApp