MSPs and IT firms spend heavily on software, cloud services, and hardware. categories that earn 3x to 4x on the right cards. Most IT business owners earn 1x across the board. That gap is $6,000 to $20,000 per year.
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 it & managed services industry talks about points optimization. Here's what we see over and over.
Cloud hosting is often your biggest monthly expense. If AWS codes as a software subscription on Amex, that's 4x points on every dollar. On a $8K/month cloud bill, that's 384,000 points per year versus 96,000 at 1x. The difference is worth $4,000 to $8,000 in travel.
$8K/month cloud at 4x = 384K pts/year = $5,700 to $11,500. At 1x = $1,440 to $2,880. Difference: $4,000 to $8,600.
Software, internet, hardware, and travel all earn different multipliers on different cards. Running everything through one card means 1x on most of your spend. IT businesses have one of the best industry profiles for card optimization because so much spend falls into bonus categories.
$22K/month at 1x = 264K pts/year. Routed at 2.0 to 2.6x = 528K to 686K pts/year. Extra: $4,000 to $6,000.
IT folks often default to Amazon gift card redemptions at ~0.8 cents per point. Transfer those same points to airline partners and they're worth 2 to 4 cents. Your cloud bill alone could fund business class flights to client sites or conferences.
300K points as Amazon gift cards = $2,400. Same points transferred to ANA or Hyatt = $6,000 to $12,000.
Most MSP owners already have business entities. Two business card applications in year one net 170K+ bonus points. Time applications around large hardware purchases or annual software renewals to hit minimum spend requirements easily.
the right business card 100K ($8K spend in 3 months) + the right category card 70K ($10K spend in 3 months). Your normal spend covers both.
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 it & managed service business is leaving on the table.
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