Your Business Spend Already Bought The Seats.We Go Get Them.
You put $35K+ a month on vendors and cards. That spend already earned seats and suites you’re not claiming. We claim them: found, booked, dollars reported every Friday, on WhatsApp or SMS (and soon on your App!)
Software That Watches. A Human Who Commands. A Service That Delivers.
Not an app you have to check. Not a consultant you have to schedule. Service-oriented software: a consortium brain and eight agents underneath, professionals in command, one thread in your messages.
Eight agents, always on
The consortium brain watches 108 cards, 13 issuers, and every window on your portfolio. It never sleeps and it gets sharper with every client.
Professionals in command
Not support reps. A team of professionals backed by the consortium's data. They read what the agents surface, make best-in-class calls, and get the award travel booked.
You just text
Send your statements, or connect your bank account read-only. The desk reads transactions as they land and steers every dollar. Your entire job: answer the occasional question in your thread.
Your Business Moves $500K+ A Year. The Rewards System Is Built To Waste It.
Vendors, ads, insurance, fuel, freight. Nearly all of it lands on one primary card at one point per dollar, redeemed for less than a cent, and a meaningful slice still moves by check and ACH, earning exactly nothing.
Doing everything
Most owners run the whole business through one primary card. On supplies, insurance, and wholesale, it earns exactly 1x.
In points expire unused, yearly
Airlines and hotels count on it. Every expired point is revenue for them and a leak for you.
Worst to best redemption gap
100K points as a statement credit: $800. Through the right transfer partner: a $6,000 business class seat. Same points.
The problem isn't the cards. It's that Sysco, Google Ads, FedEx, and your SaaS stack all code differently with the card networks, and generic best-card advice doesn't know your vendors. We do, because we researched them.
Three Leaks. Three Fixes.
First Officer recommends the right card at the right time, builds the strategy around the airlines, hotels, and trips you actually love, and keeps your business on track with a dollar number every Friday.
Your spend codes wrong
Wholesale vendors cap at 1x on every bonus card. Ads, software, and fuel could earn 2x to 4x, but they're on the wrong card.
The right card, every time
Every vendor and every payment matched to the card that pays most, re-checked monthly as your spend shifts. You never think about which card again.
Windows close quietly
Bonus thresholds, expiring credits, transfer windows, devaluations. They happen on Tuesdays while you run a business.
The right move, when it matters
Bonus deadlines, expiring credits, transfer windows. We tell you the day it counts, in your thread, with the exact move to make.
Points cashed at a cent
Most businesses redeem through portals and statement credits, the bottom of the value chart, and call it a perk.
Built around your taste, kept on track
Your favorite airlines, your hotels, the trips you actually want. The strategy is built around them, the desk books the seats, and a Friday number keeps the whole thing honest.
Built For A Specific Owner. Maybe You.
What Is Your Business Return on Spend?
Pick your industry, set your monthly non-payroll spend, and see the estimated 12-month capture. The 20-minute check computes the real number from your transactions.
The Messages That Show Up Where You Already Text.
"Your $200 airline credit resets in 19 days, unused. Two-minute fix: seat assignments for the Denver run you were booking anyway."
"You're $2,400 from the 200K Business Gold bonus, 19 days left. Route the Q3 insurance premium there and it clears this week."
"Virgin Atlantic just opened a 30% transfer bonus from Chase. Your 85K points cover two business seats for the Denver conference run. Window closes Monday."
"Your 12-month plan is in: keep, cancel, apply, and the October 300K window mapped against your thresholds. Full brief attached below."
What The Desk Did Last Month.
Caught the Virgin Atlantic +30% window: two transatlantic business seats for the September buying trip.
$6,940Routed the Q3 insurance premium to clear the 200K Business Gold bonus with 11 days to spare.
$4,000Converted 12 nights of Hyatt corporate stays to points bookings at 2.1 cents per point.
$2,300Fleet fuel rerouted after EFS coding verification: diesel now earns at 2.1x blended.
$1,760Meta and Google spend moved to 3x. First full month at the new blended rate.
$1,240AWS and the SaaS stack routed to Ink Preferred, category cap tracked to the dollar.
$1,130Westlaw and expert fees restacked, plus an Amex retention offer landed in month 13, not 12.
$980Sysco stays capped at 1x, everything around it rerouted. The amber gate, working as designed.
$890Henry Schein flagged as wholesale; the non-wholesale mix carried the math anyway.
$610Honest no. Under the bar, told so in the check, for free. Reads The Daily Redemption now.
HONEST NO$0Four Questions. Then The Desk Goes To Work.
SPEND $41K/MO · MIX: ADS + FUEL + SUPPLY
GOOGLE ADS · 3X → INK PREFERRED
QUARTER TO DATE $4,860 · FEE COVERED AUG 9
Three Ingredients. Verified. Always Fresh.
The card map
Verified earning structures, MCC behavior, issuer rules, transfer partner connections. Not just "dining," but which vendors actually code as dining. Refreshed weekly.
The self-learning library
Every conversation is mined nightly for new facts, each verified against real sources before it's added. Not a static FAQ. A living, self-correcting library.
The fresh layer
Transfer bonuses change and cards devalue overnight. Every answer can pull current information from the live web before it reaches you.
Every engagement teaches the brain a vendor, a merchant code, a loophole. Each monthly cohort adds industries and patterns, and every business that joins after them inherits the compound.
The Same Question Gets A Sharper Answer.
Stack: Ink Preferred + Amex Gold + Ink Cash + BBP. Routes to roughly 1.8x blended.
1.8xThree months of consortium learning: the stack is tuned with MCC verification from 8 medical sister profiles. Henry Schein codes 1x on every card, flagged. Roughly 2.0x blended.
2.0xA year in: vendor-by-vendor verification identifies $47K/yr coding wholesale at the 1x ceiling, plus transfer-partner routes worth 2.4x to 3.6x at redemption.
3.6xEvery statement we read teaches the desk how one more vendor codes. A restaurant’s Sysco charges prove food distributors code wholesale, capped at 1x. Henry Schein codes the same way, so a dental practice gets that answer on day one. An agency proves Meta Ads clear 3x on the right card, and every business buying ads inherits it. The pattern is what moves. Your name, your vendors, your numbers never leave your file. Here is exactly what travels and what stays yours.
The absolute wall
Isolated. Yours alone.
Patterns, not people.
Your private profile stays in your row. Patterns flow into the brain. Records do not. Every other client benefits from the question you asked, and you benefit from theirs. Identities never travel.
Black Box AI, Or A Glass Box.
An answer appears. Trust it or don't.
An answer with its work shown.
Where You Redeem Matters More Than Where You Earn.
100,000 points as a statement credit: $800. The same points through the right transfer partner: a $6,000 business class seat.
Our job is to get you to the sweet spot of this chart.
Thousands Of Paths. One Perfect Move.
Every month the Strategist maps every possible route through your portfolio: transfer paths, earn multipliers, redemption windows, partner sweet spots. Then it narrows to the single best action for your business right now.
Sysco codes wholesale, not dining: 1x on every card
Henry Schein: wholesale MCC on every issuer
McKesson medical supply: capped at 1x everywhere
US Foods rides the same wholesale ceiling
Supply houses code 5211/5251: no bonus category touches them
Some pumps code "automated fuel" and skip gas bonuses
Google Ads codes advertising: 3x on Ink Preferred
Meta Ads codes advertising too: same 3x lane
AWS and SaaS often code "computer services": verify per vendor
Utilities have their own MCC: the 5x office-card lane
Insurance premiums earn full points: most owners assume they don't
Amazon codes as Amazon, not office supply
PayPal checkout can rewrite a vendor's MCC: watch the routing
Costco in-store takes Visa only: route accordingly
Amex Gold: 4x at restaurants, worldwide
Amex Gold: 4x US supermarkets, to the annual cap
Business Gold: 4x on your top two categories each month
Business Platinum: 5x on flights booked direct
Blue Business Plus: 2x flat on the first $50K/yr
Ink Preferred: 3x on ads, shipping, travel, telecom
Ink Cash: 5x office supply and telecom, to the cap
Ink Unlimited: 1.5x on absolutely everything
Sapphire Reserve: 3x on travel and dining
Sapphire Preferred: 3x dining, 2x travel
Freedom Flex: 5x rotating categories, quarterly
Venture X: 2x flat, no categories to memorize
Venture X: 10x on hotels through the portal
Citi Premier: 3x air, hotels, dining, gas, groceries
Double Cash: 2% on everything, converts to points
Amex Platinum: 5x flights direct, to $500K/yr
Amex MR to ANA at 1:1
Amex MR to Virgin Atlantic at 1:1
Amex MR to Avianca LifeMiles at 1:1
Amex MR to Flying Blue at 1:1
Amex MR to Aeroplan at 1:1
Amex MR to British Airways Avios at 1:1
Amex MR to Delta at 1:1
Amex MR to Singapore KrisFlyer at 1:1
Amex MR to Hilton at 1:2
Chase UR to Hyatt at 1:1
Chase UR to United at 1:1
Chase UR to Southwest at 1:1
Chase UR to Aeroplan at 1:1
Chase UR to Flying Blue at 1:1
Chase UR to Virgin Atlantic at 1:1
Chase UR to IHG at 1:1
Citi TY to Turkish Miles&Smiles at 1:1
Citi TY to Avianca LifeMiles at 1:1
Citi TY to Qatar Avios at 1:1
Capital One to Turkish at 1:1
Hyatt Category 1: from 3,500 points a night off-peak
Hyatt cash + points: rooms at half the points
Hyatt all-inclusives price on a flat points chart
Turkish: US domestic on United from 7,500 miles
LifeMiles: no fuel surcharges on partner awards
Flying Blue Promo Rewards: monthly discounted awards
Aeroplan: add a stopover for 5,000 points
Alaska: free stopover even on one-way awards
ANA round-the-world in business from ~115K
Avios: short partner hops from 7,500 points
Iberia off-peak to Madrid: famously cheap in Avios
Wyndham to Vacasa: 15K points per bedroom, per night
IHG cardholders: fourth award night free
Marriott awards: fifth night free
Choice: Scandinavian hotels wildly underpriced in points
Southwest Companion Pass: two fly for one, all year
Retention offers land in month 13, not 12
Chase 5/24: five new cards in 24 months closes the door
Amex welcome bonuses: once per lifetime, per card
Transfer bonuses of 20 to 40% die within days
Points post at statement close, not at swipe
Award calendars open roughly 11 to 12 months out
Airlines dump saver space close to departure
Devaluations sometimes arrive with zero notice
Annual fee posts? Roughly 30 days to cancel for a refund
Category caps: calendar year vs cardmember year, know which
Hyatt milestones at 20, 30, 40 nights stack extras
Most programs cancel award tickets free: book first, optimize later
Time large premiums into minimum-spend windows
Statement credits vs points: credits erase earn on that spend
Welcome bonuses carry most of year-one ROI
Minimum-spend windows run 3 to 6 months: plan the big swipes
Most business cards don't count against 5/24
Sequence Amex cards around the lifetime rule
Upgrade offers sometimes beat a fresh application
Employee card spend counts toward your threshold
Prequalification tools don't touch your credit
One insurance payment can clear a whole threshold
Offers vary by link: the same card, different bonus
Referrals pay points on both sides of the table
Do the credit math before paying a big annual fee
Targeted mailers often beat the public offer
Airline credits cover seats and bags, not fares
CSR $300 travel credit applies automatically
Monthly Uber cash: use it or lose it, every month
Hotel credits often require prepaid portal bookings
Pay the phone bill on the right card: cell protection
Purchase protection rides on most business cards
Extended warranty applies automatically: file it
Check foreign transaction fees before spending abroad
Global Entry credit renews every four years
Dining-app credits are monthly: set the reminder
Some cards carry primary rental car coverage
Baggage delay coverage exists: most never claim it
Earn smarter
Card routing matched to your actual spend, recalculated monthly as the spend shifts. Every category on its highest-earning card.
Burn at peak value
Redemption timing is everything. Sweet spots, transfer bonuses, and devaluations watched, so you redeem at 3 to 5 cents, not 1.
Measure real return
Cents-per-point benchmarks against published valuations, monthly. The dollar value of every move. Not feelings. Math.
Learn continuously
Every session teaches the system something: why a 30% window beat cashing out, why off-peak saved 8,000 points a night.
Transfer bonus windows
20% to 40% bonuses that last days. Every partner pair across every transferable currency, watched.
Devaluation front-running
Early signals from program announcements and historical patterns. Lock in value before the chart shifts.
MCC category mapping
Your gas station may code "automated fuel." Your SaaS may code "professional services." We know which cards still pay.
Credit stacking
Airline credits that work on gift cards. Dining credits that trigger on delivery apps. Used before they expire.
Retention offer timing
Month 13, not month 12. Product change, not cancellation. When to call and what to ask for.
Sweet spot library
A living database of the highest-value redemptions across every program, updated continuously.
"Your supply-house spend caps at 1x on every bonus card, so it moves to flat 2x and the ad spend moves to 3x. The blended rate climbs into the 2.2 to 2.8x band without a dollar of new spend."
"Virgin Atlantic just opened a 30% transfer bonus from Chase. Your 85K points cover two business seats for the Denver conference run. Window closes Monday."
"The 12 Hyatt corporate nights convert at 2.1 cents per point against the cash folio. Booked on points, that is $2,300 back on the travel line this quarter."
"The October 300K window prices against your Q3 thresholds, so the application waits until the threshold clears. And the retention offer lands in month 13, not 12: hold the cancellation two weeks."
Intelligence That Works While You Don't.
Not a single chatbot wrapped around a generic model. An orchestra of specialists, each with a distinct role, working in parallel behind the scenes. You only see one conversation, and a human signs off on what matters. Nothing here is "coming soon": if it's on this page, it ships.
The Command Desk Human
Professionals backed by consortium data. They read what the agents surface, make the judgment calls, take the phone calls, and answer for the number on your weekly report.
Strategist Monthly
The deep think: keep, cancel, apply, restructure. The plan everything else executes.
Archivist Always On
Remembers every card, program, preference, and goal. You never repeat yourself.
Hunter New
Every welcome bonus, spend threshold, and application window, tracked to the day.
Accountant Monthly P&L
Portfolio statement: total value, unrealized gains, and how your redemptions performed.
Oracle On Call
Unlimited Q&A, answered against your actual cards and balances.
Optioneer On Call
Maps every redemption path for a trip, costed side by side.
Commander On Call
Picks THE path, with steps, the phone number, and a backup.
Planner On Call
Reverse-engineers a trip goal into a weekly earn plan with progress updates.
A Contractor Spending $35K A Month.
We Only Take Businesses The Math Already Favors.
The 20-minute check computes your 12-month capture from real transactions. Above $15,000, you're in. Below it, you get a free, honest no, because a fee that eats the win helps nobody.
Clears the bar at $35K+/mo non-payroll
Spend profiles heavy on ads, software, shipping, fuel, and travel. The routing delta alone carries the fee.
CONTRACTORS · TRUCKING · LAW (FROM $40K)
Wholesale-heavy profiles
Restaurants, dental, medical: distributor coding caps the ceiling. If your non-wholesale mix carries the math, you're in. If it doesn't, we say so. Between $25K and $35K a month, same rule: the check computes your 12-month capture, and if it clears $15K, you're in.
PROPERTY MGMT · AUTO REPAIR
Below $25K a month
The paid desk isn't for you yet, and we'll tell you that in the check, for free. The Daily Redemption will grow you into the floor.
COME BACK WHEN THE SPEND ARRIVES
The Desk Books It. $500 Flat, Any Party Size.
Every partner, every routing
Not just "is it available," but the best-value path for your specific points across every transfer partner and date combination.
Transfers timed to the minute
Phone calls to airline partners, holds placed, seats assigned, meals requested. A confirmed itinerary lands in your thread.
Ready before it's needed
Award seats vanish and transfers fail. The backup routing exists before the primary falls through. You never start from zero.
Not A Course. Not A Card Pitch. An Operator.
They certify you, or your assistant, to do the work. Group calls, curricula, a community. The homework is yours, and many monetize card signups on the side.
Service-oriented software. A consortium brain underneath, eight agents always on, professionals in command. Underwritten by the check, measured in a weekly Capture Report, reachable by text. The only person who pays us is you.
Ramp-style platforms are good software, and free for a reason: they are the card. They earn a cut of every dollar you swipe, so the advice always ends at their own card. One issuer, cash back capped around 2 cents on the dollar, the bottom of the value ladder. You pay, just not on an invoice.
Built Into The Foundation From Day One.
No credential storage
Bank connections are read-only, always. We never see, collect, or store passwords, card logins, or banking credentials, and we can never move a dollar.
Row-level isolation
Every client's data lives in its own row, isolated at the infrastructure level. Designed in from day one.
CCPA compliant
View, export, or delete your data at any time. Full deletion within 30 days of cancellation.
Educational, not fiduciary
First Officer is an educational advisory tool, not a licensed financial advisor. Every decision is yours.
One Number. That's The Whole Pricing Page.
One flat fee, the same for every business, locked at signup. Before you ever pay it, the 20-minute check confirms the math works in your favor.
Where the fee sits
Your Competitors Route Their Spend. Do You?
A 20-minute spend check, in your messages. Your capture number, computed. An honest no if the math says no.
One real redemption, every weekday.
The newsletter behind the desk: what we booked, what it cost in points, and what it would have cost in cash. Free, and you can leave whenever you like.