E-commerce businesses are the highest-earning industry for card optimization. Your shipping, advertising, and software spend all fall into bonus categories. Most store owners earn 1x when they could earn 2.2 to 2.8x.
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 e-commerce industry talks about points optimization. Here's what we see over and over.
E-commerce lives and dies by shipping costs. The right business card earns 3 points per dollar on shipping. FedEx, UPS, USPS, DHL. If you're spending $8,000/month on shipping and using a flat 1x card, you're leaving 192,000 bonus points per year on the floor. That's $2,000 to $4,000 in travel.
$8K/month shipping on the right card = 288,000 points/year at 3x vs 96,000 at 1x. Difference: 192,000 points = $2,000 to $4,000.
Digital advertising is one of the few business expenses that earns 3x to 4x on the right card. The right business cards earn 3x to 4x on digital advertising. On $12K/month in ad spend, that's the difference between 12,000 points and 48,000 points. Every month.
$12K/month ads at 4x = 576,000 pts/year. At 1x = 144,000. Gap: 432,000 pts = $4,300 to $8,600 in travel value.
SaaS and software subscriptions often code under the "electronic goods and software" category on Amex. If software is one of your top spending categories, the right card earns 4 points per dollar. Even your Shopify monthly bill starts working harder.
$2K/month in SaaS at 4x = 96,000 pts/year vs 24,000 at 1x.
Your inventory costs are likely your biggest line item, and most wholesale suppliers code as general merchandise at 1x. A good catch-all business card earns 2x on everything. For higher volume, you need to split between a points card and a flat cashback card. Every dollar of inventory optimization compounds over 12 months.
$20K/month inventory on the right card at 2x = 480,000 pts/year vs 240,000 at 1x.
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 e-commerce business is leaving on the table.
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