Your business cards are leaving money on the table.
Most business owners run everything through one card earning 1%. The Card Audit maps every category of your spend to the card that pays the most for it — and puts the plan in writing. Flat $400. If the audit doesn't find at least $800/yr in extra rewards, it's free.
- Category totals only
- No logins, ever
- No credit pull
- $800/yr guarantee
What is your current card costing you?
Enter roughly what your business spends each month. The estimate compares a typical flat-rate card against the best commonly available earn rate for each category — cash back first, then what the same points could be worth in travel.
Estimates use widely available business-card earn rates and a flat baseline. Your audit uses your actual cards and actual totals — that's where the guarantee is measured.
Your estimate
Cash back is the floor. Travel is the ceiling.
The guarantee is measured the conservative way: points counted as cash back at 1¢ each. But points earned on the right cards can be transferred to airline and hotel partners, where the same point is often worth 1.5¢–2¢. Same spend, same points — worth up to twice as much.
| How you redeem | Value / point | 96,000 points |
|---|---|---|
| Cash back / statement credit | 1.0¢ | $960 |
| Travel booked through the card's portal | 1.0¢–1.5¢ | $960 – $1,440 |
| Transferred to airline / hotel partners | 1.5¢–2¢ | $1,440 – $1,920 |
Worked example: 96,000 points is roughly what $2,000/mo of fuel earns in a year on a strong points card. Partner value varies by program, route, and dates — it's a realistic planning range, not a quote. The audit spells out which of your points can transfer where, so you can choose cash or travel category by category.
Your numbers, both ways
Change the calculator above and this panel reprices instantly. The $800/yr guarantee is always judged at the 1¢ cash-back floor — travel upside is extra, never needed to clear it.
How it works
Four steps, about ten minutes of your time before the audit starts. You never share a login, an account number, or a statement.
Send category totals
Fill out the intake with rough monthly totals by category — fuel, supplies, ads, and so on. Estimates are fine; precision comes later.
Pay $400 to book
Payment comes after intake and before any work starts. That books your audit and starts the clock.
Full refund if the audit finds under $800/yrGet your stack plan
A written PDF: which card for which category, which of your current cards to keep or close, and a welcome-offer calendar so bonuses land in the right order.
Walkthrough call
A short call to go through the plan, answer questions, and set your first applications in the right sequence.
What's in every audit
- Card-by-category map — exactly which card to use for every type of spend
- Dollar figure, in writing — modeled extra rewards per year at the cash-back floor
- Keep / close / downgrade list for the cards you already carry
- Welcome-offer calendar — applications sequenced so bonuses don't collide
- Travel transfer notes — which points transfer to which airlines and hotels
- Fee check — annual fees weighed against the rewards they unlock, in dollars
One price. One guarantee.
No hourly billing, no percentage of your spend, no affiliate pitch dressed up as advice. The audit is the product.
- Full category-by-category card stack plan (PDF)
- Keep / close list for your current cards
- Welcome-offer application calendar
- Walkthrough call included
- Travel transfer-partner notes included
The $800 guarantee
If the completed audit can't model at least $800/yr in extra rewards for your business — measured conservatively, at the 1¢ cash-back floor — the audit is free and your $400 is refunded in full.
Why it's safe to offer: most businesses spending $5,000+/mo across fuel, supplies, ads, and travel clear $800/yr on category rates alone, before any welcome offers. If yours doesn't, you pay nothing and keep the findings.
When you pay: you submit the intake first (category totals only), then pay the $400 to book. Work starts once payment lands. There is no charge for running the calculator or submitting the intake.
Start your audit
Step 1 takes about two minutes. Submitting prepares a pre-filled email with your details for you to send — this page stays open the whole time. No account, no password, nothing stored on this page.
Almost there
Step 1 done — intake ready to send
Your intake is ready. Tap the button below to open it in your email app and press send — or copy the details and email them yourself. Then step 2 below books your audit.
Step 2 — pay $400 to start your audit
Payment is taken before the audit starts. Request a secure payment link and it will arrive by email within one business day — pay it, and work begins.
Covered by the $800 guarantee: if the completed audit finds less than $800/yr in extra rewards at the cash-back floor, your $400 is refunded in full.
Questions owners ask
Do I have to share my logins or account numbers?
Never. The audit runs on monthly category totals — how much you spend on fuel, supplies, ads, and so on — plus the names of the cards you carry. No logins, no account numbers, no statements, no bank access of any kind.
Does this affect my credit?
The audit itself involves no credit pull and no applications. If you later choose to apply for a card from the plan, that's a normal application you control, sequenced on the walkthrough call so timing works in your favor.
When exactly do I pay?
After you submit the intake and before the audit starts. You'll get a secure payment link by email within one business day; once the $400 lands, your audit is booked and work begins. Running the calculator and submitting the intake are free.
How does the guarantee refund work?
The finished plan shows the modeled extra rewards per year, counted at the 1¢ cash-back value. If that number is under $800/yr, you pay nothing — the $400 is refunded in full, and you keep the plan.
Is travel value real, or marketing math?
Both numbers are shown because both are real options. Cash back at 1¢ per point is the floor you can always get. Transferring points to airline and hotel partners commonly returns 1.5¢–2¢ per point on the right booking, but it depends on the program, route, and dates — so the guarantee is only ever measured at the cash floor.
How long does an audit take?
Once payment lands, the written plan and walkthrough call are typically completed within a few business days. The intake and payment steps take about ten minutes of your time total.
I already have a "good" cash-back card. Is this still worth it?
Often, yes. A flat 2% card is strong on uncategorized spend but usually loses to 3%–5% category cards on fuel, ads, telecom, and travel. Run the calculator with the 2% baseline selected — if the modeled extra is under $800/yr, the guarantee means you risk nothing by checking.