Dental practices spend $20K to $80K monthly on supplies, lab work, and software. Most of that codes as medical supply. earning 1x. Your advertising and software spend can earn 3x to 4x.
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 dental practices industry talks about points optimization. Here's what we see over and over.
Your dental supply orders are your largest recurring expense and they earn zero on debit. Henry Schein and Patterson typically code as medical/dental supply distributors. meaning 1x on most bonus cards. But the right catch-all card earns 2x on everything. On $8K/month, that's 192,000 points per year instead of zero.
$8K/month on the right catch-all card = 192,000 pts/year at 2x. On debit = 0.
If you spend $2K/month on Google Ads, Yelp ads, or social media marketing for new patients, that earns 3x on the right business card. Most dental practices put all spend on one card. Separating marketing onto the right card nets an extra 48,000 points per year.
$2K/month ads at 3x = 72,000 pts/year vs 24,000 at 1x.
Practice management software subscriptions may code as "software and cloud services" on Amex. If the Business Gold auto-selects software as a top category, you earn 4x. It's not huge per month, but combined with your other software tools, it adds up.
$800/month software at 4x = 38,400 pts/year. At 1x = 9,600.
Two business card applications in year one can net 170,000+ bonus points. worth $2,500 to $3,500 in travel. That's before any spending. Most dentists don't separate personal and business credit cards, leaving this entirely on the table.
Two business cards = 170K pts = $2,500 to $3,500.
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 dental practice business is leaving on the table.
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