Earn · Burn · Return · Learn

You are not bad at Points & Miles. You are just
outnumbered.

  • ×Your biggest spend earns 1x.
  • ×Your points sit while the rules change.
  • ×Your credits lapse before anyone looks.
9:41
First OfficerExample
Good evening, Leo

Linden Row's Earn

Tap a tab to try each mode.

Leo's spend today$420ka year on cards, earning 1.2x
    What the desk finds, est.Points a year
    504k→1.43M
    Today
    With the desk
    Points, going furtherTokyo in business for 232% there, est.

    Example: Leo, Linden Row Insurance, Columbus, OH. Fictional. Figures are estimates.

    Example: Leo, Linden Row Insurance, Columbus, OH. Fictional. Figures are estimates.

    Every travel loyalty program has a team constantly rewriting the rules.
    While you run your business, your spend earns less than it should, and your points buy less than they could.
    First Officer works on that with you, so nothing you have already earned slips through the cracks.

    Your spend, working harder.
    Your points, going further.

    AmexHyattChaseUnitedVirgin AtlanticDeltaAeroplanMarriottEvery 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

    Note from Ohad

    Honestly? You might not need a “First Officer” to optimize your points & miles.

    Everything I've learned, tested and dug up about points and miles is on this site, free. Read it, use it, keep it. I put it all in the Freebies section, which I update daily.

    But if you'd rather have my team and me in your corner, doing the work and getting you there faster, we've priced it for business owners like you: $550 a month, flat, with $500 award travel redemptions when you need them.

    Run your numbers in the calculator today. If we're not a fit, it'll tell you, and so will I.

    Run your numbersGrab my freebies
    Now, let me explain what we do.

    You run the business.
    The desk runs the points.

    Leo runs Linden Row Insurance, a fictional agency in Columbus, Ohio. Here is his month with the desk, start to finish, in seven beats.

    LR
    Leo, ownerLinden Row Insurance · fictional example
    01The problem

    About $35,000 a month goes on cards.

    Lead-gen ads. Agency software. Visits to carriers.

    The spend is real. The rewards are an afterthought. Nobody on his team owns them.

    Leo's month on cards

    Example
    Lead-gen adsOn a card that earns 1x
    $12,5001x
    Office and vendorsSpread across cards
    $12,5001.5x
    Agency softwareRenews every month
    $5,0001x
    Carrier travelBooked wherever was quick
    $5,0001x
    About $420,000 a year$35,000
    02The pain

    Leo earns 1.2x on a good day.

    The rules change while he runs the business.

    Points scatter. Credits lapse. The Tokyo trip stays a someday.

    1.2x
    Left on the table$15,120a year, at the same spend. Example, est.
    ×Ads on a 1x cardHis biggest line earns the least.
    ×Rules rewritten monthlyEvery program keeps its own clock.
    03The solution

    One conversation.
    Four jobs, done for Leo.

    Leo texts the desk once. Earn, Burn, Return and Learn start the same week.

    Behind the thread, the desk reads his spend line by line, maps the rules that apply to it, and builds the move. Every move is shown with its math and waits for his yes.

    • Earn1.2x → 3.4xper $1 of card spend, est.
    • Burn32% thereTokyo in business for 2, est.
    • Return$1,860found in one Friday, est.
    • Learn5¢+a point on the Tokyo flights in business, est.

    Example: Leo, Linden Row Insurance, Columbus, OH. Fictional. Figures are estimates.

    The desk, thinkingPath 1 of 4 · Earn
    Active strategy path

    Example signals in the desk's own words. Merchant codes typically apply; estimates, not guarantees.

    04The technology

    Every program, watched.
    One voice in front of Leo.

    First Officer keeps every program on Leo's file current as its rules change. A person reviews every booking before it happens, so every redemption is vetted for value before a single point moves.

    Leo asks once. First Officer checks it against his spend and the latest rules, and hands back one clear answer. Watch the desk work.

    TellSay it in the threadHis cards and roughly what runs through each.
    SendA statement a monthThe desk reads every line. His login stays with him.
    ConnectOnce, read-onlySettled transactions arrive on their own.

    Read-only, always. The desk sees his transactions and cannot move a dollar. How the desk is built →

    Latest for Leo
    Amexto First OfficerEarn
    Lead-gen ads typically code as advertising, which the 4x card rewards up to a yearly cap. About $7,200 a year, est.
    Just now: Delta rules checked · Aeroplan partner awards

    Every program Leo's spend touches, watched in one place. One voice answers him: First Officer.

    05The win

    The money shows up.
    In dollars, every Friday.

    Earn goes from 1.2x to 3.4x.

    $6,720 a year is confirmed against his statements. Tokyo in business for two is 32% there, on pace for March 2027. All est.

    Week 43 scorecard
    Example
    $1,860this week, est.
    • Software on the 4x card$640
    • Carrier visits through the card travel portal$690
    • Unused travel credit, claimed$530
    October · Us vs flat 2% cash back
    Example
    +$654ahead, after fee
    Flat 2% cash back$700
    First Officer, after fee$1,354
    The ledger, shareable
    Example
    Linden Row Insurance routed its spend and is 32% of the way to Tokyo.Found money this year: $15,120 est.
    Hide dollar amounts

    Nothing is shared until Leo taps Share.

    06The proof

    Proof in every pillar.
    Earn, Burn, Return, Learn.

    What the desk finds for owners like you, one card at a time.

    Tokyo in business for 2Leo · Linden Row Insurance
    Bali honeymoon in businessInes · Maple & Moss Candle Co.
    Maui for a family of 4Hector · Desert Breeze Heating & Air
    Paris for 2 in AprilImani · Velvet Chair Salon
    Cancun for the top 6 agentsTerrence · Keystone Realty Group
    Kyoto in cherry blossom seasonYuki · Petal & Stem Florals
    Lisbon in business for 2Anjali · Bright Hour Creative
    Istanbul in business for 4Wade · Ridgeway Freight Lines
    The Maldives, QsuitesCallum · Stride Physical Therapy
    Cabo for the familyDustin · Ironclad Commercial Roofing
    London with her daughterJoanne · Ledgerline CPA

    Where the points are going, est. Fictional owners; award space is set by each program.

    EarnWhich card for which spend.
    EarnAds 1x → 4x+$7,200 a year, est. Waiting for Leo's OK.Leo · Linden Row Insurance
    EarnSoftware to the 4x card+$2,880 a year, est. Moved, confirmed on the statements.Leo · Linden Row Insurance
    EarnAds and shipping to 4x520k today → 2.19M points a year, est.Ines · Maple & Moss Candle Co.
    EarnFuel on the right card440k today → 1.59M points a year, est.Hector · Desert Breeze Heating & Air
    EarnJob board ads at 4x, internet at 5x360k today → 1.48M points a year, est.Kofi · Crestline Staffing
    EarnFuel cards for 14 driversUncapped 2x against the fleet discount, priced honestly. 760k → 2.59M, est.Wade · Ridgeway Freight Lines
    EarnStore phones to 5x, 7 locations640k today → 2.18M points a year, est.Lucia · Sunbelt Franchise Group
    EarnAds to 4x on the points card310k today → 1.12M points a year, est.Teresa · Little Fig Trattoria
    BurnPoints into trips, vetted and booked.
    BurnTokyo in business for 232% there, on pace for Mar 2027. Award space not guaranteed.Leo · Linden Row Insurance
    BurnBali honeymoon in business8¢+ a point against the cash fare. Dec 2026.Ines · Maple & Moss Candle Co.
    BurnMaui for a family of 4One companion flies for taxes and fees. Jan 2027.Hector · Desert Breeze Heating & Air
    BurnBusiness class to Tokyo for 25¢+ a point against the cash fare. Mar 2027.Teresa · Little Fig Trattoria
    BurnCancun all-inclusive for 6 top agents2¢+ a point against cash. Jan 2027.Terrence · Keystone Realty Group
    BurnKyoto in cherry blossom season for 22¢+ a mile, with an Osaka night to dodge the crowds. Mar 2027.Yuki · Petal & Stem Florals
    Burn2 reps in business to a Paris food show5¢+ a point on the flights, booked in their names, 5th hotel night free. Feb 2027.Rafael · Harvest Lane Foods
    BurnParis for 2 in April, economy1.5¢+ a point on a promo month, on a salon budget. Mar 2027.Imani · Velvet Chair Salon
    ReturnFound money, in dollars, every Friday.
    Return$1,860 last FridayWeek 43. One number, in dollars.Leo · Linden Row Insurance
    Return$6,720 since joining, est.Confirmed against the statements, so it moved from waiting to found.Leo · Linden Row Insurance
    ReturnUnused travel credit, $530Claimed this month.Leo · Linden Row Insurance
    Return$15,120 a year, est.All moves, checked by the desk against the statement.Leo · Linden Row Insurance
    ReturnStatement creditsUse them before they lapse.Desk tip
    ReturnHotel nightsCompare points against cash before you book.Desk tip
    ReturnAnnual fee reviewEvery card on the account, priced against what it earns.Marisol · Bayline Insurance Group
    ReturnFriday reportEvery week, in plain words.Desk tip
    LearnOne short lesson a week, from the owner's own data.
    Learn1¢ or 5¢+One point as cash back, or on the Tokyo flights in business, est. This week's lesson, 2 minutes.Leo · Linden Row Insurance
    LearnPoints expiry, explainedBefore a Chicago weekend with the kids.Darnell · Ironwood Strength Club
    LearnExpiring pointsEvery program keeps its own clock.Desk tip
    LearnIdle pointsLose ground while they sit.Desk tip
    LearnWho keeps the status, who keeps the pointsReps keep their hotel status. The company keeps the card points.Grady · Summit Ridge Medical Supply
    LearnCarrier surchargesLisbon in business for 2, through the program that does not add them.Anjali · Bright Hour Creative
    LearnThe same flight, two ways to payLondon with her daughter, booked through the partner with lower fees.Joanne · Ledgerline CPA
    LearnLounge access for 4 producersPriced honestly before anyone gets a card.Marisol · Bayline Insurance Group

    The owners are fictional and the figures are estimates. Award space is set by each program, not by us.

    07The price

    $550 a month, flat.
    And an honest no if it will not clear.

    The Found Money Call comes first, free, and sizes your capture before you sign up.

    Get your desk →Run your numbers
    The desk, at a glanceSame numbers as the pricing page
    The desk, monthly$550
    The Found Money Call, 20 minutes$0
    Award booking, clients only, per itinerary, any party size$500
    Affiliate money from any programNone
    DecisionsYours
    If the math does not clear the feeWe say no

    Estimates, not guarantees. Not a licensed financial advisor. US businesses only.

    Up nextMeet Leo.
    Watch the desk catch what he missed.    One fictional owner, four pillars: the catch on his ads, the Tokyo plan, the Friday count, the lesson.See how the desk works →

    You run the business.
    The desk runs the points.

    $550 a month, flat. The Found Money Call comes first, free, and sizes your capture before you sign up.

    Get your desk →

    Owners, figures and conversations on this site are illustrative examples and estimates, not client results. Independent: no affiliate relationships with any issuer. Not affiliated with, endorsed or sponsored by any bank, airline or hotel program. An educational tool, not a licensed financial advisor. US businesses only.