Supply invoices. Lab fees.
Your biggest spend, earning least.
- ✓The right card for each line of medical spend.
- ✓Every move waits for your yes.
- ✓One number in dollars, every Friday.
Keep every vendor. Only the card changes.Keep every vendor. Only the card changes.
Every loyalty program. One desk to rule them all.Illustrative examples: owners and conversations are fictional, figures are estimates. Not affiliated with, endorsed or sponsored by any bank, airline or hotel program. Program names and logos are trademarks of their owners, shown for identification only. Important information
Meet Elena.
One catch, in dollars.
Practice software: 1.4x today. At 4x with Amex Business Gold, about $5,400 a year more, est. The desk shows the move first and waits for a yes.Practice software: about $5,400 a year more at 4x, est.
- Practice software$10.7k/mo1.4x → 4x+$5,400 a year, est.Amex Business Gold
- Medical and surgical supply$23.7k/mo1x → 2xBlue Business Plus, then Capital One Venture Business
- Lab and diagnostics$7.9k/mo1x → 2xBlue Business Plus, then Capital One Venture Business
- Everything else$21.2k/mo1x → 2.7xCapital One Venture Business, Ink Business Preferred and others
- Medical and surgical supplyBlue Business Plus, then Capital One Venture Businessup to 2x
- Lab and diagnosticsCapital One Venture Business, where cards are takenup to 2x
- Malpractice and insuranceCapital One Venture Business, where cards are takenup to 2x
- Practice softwareAmex Business Gold (software and cloud)up to 4x
Rates a line can earn on a card that rewards it, inside yearly caps, est. The codes on a statement decide.
What most medical practices never hear
about their codes.
Every purchase carries a merchant code, and the code decides what a card pays for it.
Supplies vs drugs
Equipment and supply distributors typically code as 5047 and drug distributors as 5122.
Outside lab work has its own code
Labs you pay directly typically code as 8071.
Free from the desk6 free items just for medical practicesCodes, scripts, checklists and deadlines, plus the ones every business needs.→
Where your money
actually lands.
Your vendors usually run your card under one of these codes.
Four places medical
money leaks.
None of the fixes change what you buy or who you buy it from.None of the fixes change what you buy.
Practice software belongs on a bonus card.
Amex Business Gold can earn up to 4x on it in the card's top two categories each month, inside a $150K yearly cap. The desk tracks the cap and moves the next dollar before it fills.
Points into Paris for two.
The desk maps the programs, checks taxes and fees, and gives the trip a pace. It books only after you approve.
Friday counts it, in dollars.
What the desk found that week, checked against your statement. Rent and staff costs stay off the card when a bill-pay fee would cost more than the points are worth.
How medical and surgical supply codes.
One short lesson a week from your own data: why the same purchase can code differently at two vendors, and what it means for you.
One question.
The whole desk works it.
Elena asks in the thread. First Officer checks it against her spend and the latest rules, and hands back one answer.
Bank of Americato First OfficerEarnEvery program Elena's spend touches, watched in one place. One voice answers her: First Officer.
Illustrative example. Elena is fictional and every figure is an estimate. A person reviews every booking. Program names and logos are trademarks of their owners, shown for identification only.
Every trade hides money
in a different place.
Run more than one kind of business? Each one has its own codes and catches.
Four steps.
No spreadsheets.
The Found Money Call
Free, about 20 minutes, from your real statements.
Your strategy
Which card for which line, written for your vendors.
Your first moves
Three moves, with the exact taps. Each waits for your yes.
Your scorecard
One number in dollars, next to a flat 2% card, after the $550 fee.