Listing ads, staging, travel.
Worth more on the right card.
- ✓The right card for each line of real estate 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 Terrence.
One catch, in dollars.
Listing ads: 1.5x today. At 4x with Amex Business Gold (advertising), about $5,100 a year more, est. The desk shows the move first and waits for a yes.Listing ads: about $5,100 a year more at 4x, est.
- Listing ads$10.7k/mo1.5x → 4x+$5,100 a year, est.Amex Business Gold (advertising)
- Signage and print$7k/mo1x → 2xBlue Business Plus, then Capital One Venture Business
- Agent travel$5.2k/mo1x → 3xInk Business Preferred (travel)
- Closing gifts$4k/mo1.5x → 2xCapital One Venture Business
- Everything else$8.1k/mo1.1x → 2.8xInk Business Cash, Capital One Venture Business and others
- Listing marketing and photosAmex Business Gold (advertising)up to 4x
- Staging and prepCapital One Venture Businessup to 2x
- Client travelInk Business Preferred (travel)up to 3x
- CRM and 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 real estate brokerages never hear
about their codes.
Every purchase carries a merchant code, and the code decides what a card pays for it.

A listing's marketing spans three codes
Ads typically code as 7311, photography as 7333 and print as 7338.
Free from the desk7 free items just for real estate brokeragesCodes, 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 real estate
money leaks.
None of the fixes change what you buy or who you buy it from.None of the fixes change what you buy.
Listing marketing and photos belong 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 Cancún for the top 6 agents.
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. Desk fees and payroll stay off the card when a bill-pay fee would cost more than the points are worth.
How signage and print code.
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.
Terrence asks in the thread. First Officer checks it against his spend and the latest rules, and hands back one answer.



















































Biltto First OfficerEarnEvery program Terrence's spend touches, watched in one place. One voice answers him: First Officer.
Illustrative example. Terrence 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.






















