Property management companies spend $15K to $80K+ monthly across maintenance vendors, software, advertising, and insurance. Most of it earns 1x. A routed card strategy captures 1.7 to 2.3x across your portfolio.
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 property management industry talks about points optimization. Here's what we see over and over.
Every plumber, electrician, and handyman you pay with a check or debit card is money earning zero points. If those vendors accept credit cards, even at a 2x rate on catch-all card, a $10K/month maintenance budget generates 240,000 points per year. worth $3,600 to $7,200 in travel.
$10K/month maintenance on the right card at 2x = 240K points/year = $3,600 to $7,200.
Your advertising, software, and maintenance all earn different multipliers on different cards. A property manager spending $23K/month across categories can capture 1.7 to 2.3x blended versus 1x on a single card.
$23K/month at 1x = 276K pts/year. Routed properly = 469K to 635K pts/year. $3,000 to $5,000 extra value.
Plastiq charges ~2.85% to pay rent by credit card. If your card earns 2x points worth ~2 cents each (4% return), you net ~1.15%. But on a 1x card, you lose money. Only route rent through cards where the earn rate exceeds the fee, and only through catch-all card or higher-multiplier cards.
$5K rent via Plastiq on catch-all card: earn 10K pts ($200 value) minus $142.50 fee = $57.50 net. On 1x card: earn $100 minus $142.50 = -$42.50 loss.
Property management companies qualify for every major business credit card. Two well-timed applications yield 170K+ bonus points worth $2,500+ in travel value. completely independent of your ongoing spend.
Two business cards = 170K+ bonus points = $2,500 to $3,500 in travel.
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 property management business is leaving on the table.
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