CPA firms have high software and digital spend. categories that earn 4x to 5x on the right cards. Most firms put everything on one card at 1x.
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 cpa & accounting firms industry talks about points optimization. Here's what we see over and over.
Tax preparation software often codes as "software and cloud services" on Amex. earning 4x on the Business Gold. Some vendors even code as office supply purchases, which earns 5x on a card that earns at office supply stores. Testing with a small purchase reveals the coding.
$2K/month software at 4x = 96K pts/year vs 24K at 1x.
The a gas and office bonus card earns 5x at Staples and Office Depot. Tax season means mountains of paper, toner, and filing supplies. Routing those purchases to the right store and card earns 5 points per dollar.
$1K/month at Staples at 5x = 60K pts/year vs 12K at 1x.
Google Ads for new clients, LinkedIn promoted posts, referral platform fees. all earn 3x to 4x. Most firms lump it with general expenses.
$2K/month ads at 3.5x = 84K pts/year.
A CPA should appreciate the math: two business card applications yield 170K+ bonus points worth $2,500 to $3,500 in travel. Annual fee cost: $95 + $375. Net gain year one: $2,000+.
Revenue: 170K pts = $2,500+. Cost: $470 in annual fees. Value ratio: 5.3x.
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 cpa & accounting firm business is leaving on the table.
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