The Strategist analyzes your business spend across every card, every vendor, every category. It finds the routing no one told you about and builds a 12-month game plan that compounds quarter over quarter.
Every vendor MCC code. Every card combination. Every routing permutation. The Strategist exhausts every possibility and ranks them by real-dollar return for your specific business.
Every strategy the Strategist builds for your business optimizes across four dimensions simultaneously. Weighted to your industry, your vendors, your goals.
Card routing rules matched to your actual vendor mix. Google Ads at 3x on the right ads card. SaaS subscriptions at 3x. Wholesale at 2x on a flat-rate everyday card (most bonus cards earn 1x on wholesale MCC codes like 5099). The Strategist recalculates monthly as your spend shifts.
Team conferences, client meetings, recruiting trips. The Strategist monitors award availability for your specific routes and dates. Transfer 200K points to Hyatt for 5 nights at a property costing $485 per night in cash. That is $2,425 your travel budget keeps.
Annual fee vs. points earned vs. redemption value. The Strategist calculates the net return on every card in your stack and tells you which ones are paying for themselves and which are dead weight. Monthly portfolio valuation included.
Every strategy session teaches your team something. Why routing Sysco through a flat-rate everyday card catches 2x when other bonus cards earn 1x on wholesale. Why splitting SaaS subscriptions across the right business cards captures 3x. The Strategist makes your finance team dangerous.
Vendor MCC codes that kill bonus rates. Employee card timing windows. Spend routing gaps worth thousands per year.
Sysco and US Foods code as wholesale (MCC 5099/5199), earning 1x on most bonus cards. The Strategist maps every vendor to its actual MCC code and routes spend to the card that captures the highest rate.
Employee cards count against 5/24 for a major issuer applications. The Strategist tracks every team member and identifies windows for high-value signup bonuses in the 100K-point range.
Your $14K per month in Google Ads earns 3x on the right ads card (MCC 7311). Your $3K in SaaS earns 3x. But your $8K in miscellaneous earns 1x on a generic card. The Strategist splits spend to capture every multiplier.
Is the $695 a premium travel card paying for itself through the airline credit, Uber credit, and lounge access for your 3 traveling team members? The Strategist calculates the net return on every card fee and recommends keeps, cancels, and downgrades.
The 3x ads card first (100K-point signup). Then a premium business card (4x on top 2 auto-selected business categories). Then a no-fee everyday card (2x on everything). The order matters. The Strategist builds the 12-month application calendar.
E-commerce: 2.2x to 2.8x blended. Restaurants: 1.8x to 2.2x. HVAC and contractors: 1.6x to 2.0x. The Strategist benchmarks your portfolio against your industry and closes the gap.
Real strategy recommendations for real businesses. Real dollar values. Delivered via WhatsApp.
Free 20-minute business spend check. See the exact dollar value your current card stack is leaving behind.
The newsletter behind the desk: what the desk booked on request, what it cost in points, and what it would have cost in cash. Free, and you can leave whenever you like.
