Restaurant owners spending $20K to $100K+ monthly on food, equipment, and delivery platforms leave $5,000 to $15,000 per year in unrealized points value. We fix that.
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 restaurants industry talks about points optimization. Here's what we see over and over.
Your single biggest monthly expense earns zero bonus points on most cards. Sysco typically codes as wholesale merchandise, which means your a basic rewards card earns just 1 point per dollar. The right catch-all business card earns 2 points per dollar on everything. that alone turns $15K/month in food spend into 30,000 extra points per month versus a debit card.
$15K/month on the right card at 2x = 360,000 points/year. At 2 cents per point via transfer partners = $7,200 in travel value from food spend alone.
The right category card earns 4x at restaurants where you eat, but only 1x on your equipment purchases, software subscriptions, and delivery platform fees. Different spend categories earn different multipliers on different cards. One card means you're getting 1x on 60%+ of your business spend.
A 4-card stack turns the same $30K/month into 1.8 to 2.2x average versus 1x. That's an extra $4,000 to $7,000 per year.
Statement credits give you roughly 1 cent per point. Transfer those same points to Hyatt and they're worth 2 to 4 cents each. Transfer to ANA during a 40% bonus window and you could fly business class to Tokyo for 55,000 points instead of paying $6,200 cash. The redemption method is where the real money is.
100K Chase points as statement credit = $1,000. Same points transferred to Hyatt = $2,000 to $4,000 in hotel stays.
Business cards have separate application rules from personal cards with most issuers. A well-timed 12-month card application strategy can net $3,000 to $5,000 in signup bonuses alone, completely independent of your ongoing spend. Most restaurant owners don't even know business cards exist as a separate category.
Two well-timed business card applications in year one = 170K+ bonus points worth $2,500 to $3,500 in travel value.
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 restaurant business is leaving on the table.
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