What we see.
What we never touch.
- ✓Read-only, every connection.
- ✓Nothing moves without your yes.
- ✓We do not sell your data.
First Officer reads your spending so it can find value you already earned. Connections are read-only: it cannot move money, open or close accounts, redeem points or buy anything.Read-only connections. Nothing moves without your yes.
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
Only the numbers in an image you choose to send. Nothing is connected.
Travel, rewards and expense messages. Granted through your provider's own sign-in.
Transactions and balances, read-only, revocable from your bank at any time.
What happens on Leo's file.
Step by step.
Leo runs Linden Row Insurance. The desk sees his spend, does the checking, and stops at his yes.
- 1Connect
He connects, read-only.
Leo connects through his provider's own sign-in. The desk can see transactions and balances. It cannot move money or make a purchase.
SeesTransactions, balancesCannotMove money, buy anything - 2Watch
Software watches.
Software watches every program on his file: a transfer bonus, a travel credit about to reset, spend that codes into a bonus category.
Transfer bonus openedExample+30%Matched to the Tokyo strategy - 3Check
A person checks.
A person checks the math before it reaches Leo. Every answer shows the card rule, the merchant code and the date it was checked.
- Award space on Leo's dates
- Taxes and fees against the cash fare
- 4Decide
Nothing moves until his yes.
Applications, transfers and bookings happen only after Leo says yes, in his own thread.
Yes. Let's do it.
Nothing moved before Leo's yes. - 5Count
Friday, in dollars.
Every Friday, one number in dollars, checked against his statements.
Friday · found this weekExample$622Checked against the statements, est.
Book the free Found Money Call →
Illustrative example. Leo is fictional; times, points and figures are estimates. Transfer bonuses are set by each program. A person reviews every booking.
What the desk does.
What it never does.
- Reads every line of the spend you share.
- Matches every bill to the card that earns the most on it.
- Shows the card rule, the merchant code and the date checked behind every answer.
- Checks every strategy with a person before it reaches you.
- Counts what it found in dollars every Friday, checked against your statements.
- Says no when the math does not clear the fee.
- Moves money, opens or closes accounts, redeems points or buys anything.
- Asks you for a password in the thread.
- Sells or rents your information to advertisers, data brokers or card issuers.
- Takes affiliate commissions.
- Guarantees award space, transfer ratios or results.
- Acts as a bank, lender, broker, or licensed financial, tax or legal advisor.
Five commitments,
in one place.
- 01
Read-only
Every connection you grant is read-only. The desk can see transactions and balances. It cannot move money or make a purchase.
- 02
Your own sign-in
You connect through your provider's own sign-in. We never ask you for a password in the thread. If anyone claiming to be First Officer does, it is not us.
- 03
Your yes, first
Applications, transfers and bookings happen only after you say yes, in your own thread.
- 04
Not for sale
Your information is not sold or rented to advertisers, data brokers or card issuers. We take no affiliate commissions.
- 05
Yours to revoke
Revoke any connection from the provider's own settings, whenever you want, and ask us to delete your data.
- The Found Money Call · free, 20 minutes
You already earned it. We find it in 20 minutes.
Bring one statement. A person on the desk goes line by line and gives you one number in dollars, against $550 a month.
Book the free Found Money Call →
Tell us, send us or connect us.
Mix as you like.
Three ways to give the desk your spend, all read-only, all leading to the same Friday report. Pick per card and switch whenever you want; the report says where each line came from.Three read-only ways in. Pick per card, switch any time.
Tell us
Say it in the thread: which cards the business uses, roughly what runs through each, and what is coming up. The desk works from your words and asks when something is missing.
- Desk getsYour cards and numbers, as you give them
- Your partAbout five minutes, then a question now and then
- Current toThe day you told us
Send statements
Export a statement file from each card's own site and drop it in the thread. The desk reads every line. Your login stays with you.
- Desk getsEvery transaction on the statement
- Your partOne export per card a month, about two minutes
- Current toThe last statement date
Connect once
A read-only link to the card accounts you choose, made through your provider's own sign-in, so your login never touches us. Settled transactions arrive on their own.
- Desk getsTransactions and balances as they settle
- Your partAbout two minutes, once
- Current toA few days after a charge settles
Are you certified?
First Officer holds no security certification today. If that is a requirement for your business, tell us before you sign up.
Are you a financial advisor?
No. We are a rewards desk for business card spend, not a bank, lender, broker, or licensed financial, tax or legal advisor.
Can the desk move my money?
No. The desk cannot move money, open accounts or buy anything. It recommends; you approve; only then does it act.
Can the desk find award space that does not exist?
No. Award space is set by each program. The desk looks for it and tells you plainly when it is not there.
Do you guarantee results?
No. Award space, transfer ratios and program rules change without notice. Every figure on this site is an estimate.