Portfolio diagnosis
Where your current cards underperform, overlap, or charge fees for perks you don't use.
~1%
Current setup, back
Business rewards strategy for high-spend owners
Your expenses owe you a vacation.
Flip Your Points helps real-estate investors, property managers, and other high-spend business owners recover more value from expenses they already have, through travel rewards, cash back, or flexible points. No additional spending. No revolving debt. No 14-card circus.
No account logins, ever
No increased spending
Josh personally reviews every strategy
Backed by our found-money guarantee
✦ Flip Your Points ✦
| Monthly expense | Old | Flipped |
|---|---|---|
| Materials & inventory | $80 | $320 |
| Online advertising | $20 | $80 |
| Software & subscriptions | $30 | $120 |
| Fuel & travel | $20 | $70 |
Found value
+$440/mo
That's per year
≈ +$5,280
~1% back · flipped to ~6% back in points
Illustrative example only, not a quote or guarantee, and before any first-year welcome offers. Actual results vary by spending, merchant coding, card terms, and eligibility.
The opportunity
What could better card routing mean for an ordinary month?
Here's an illustrative example using $15,000 in monthly card-eligible business spend.
~6%
Optimized strategy, in points*
See the example above
The difference, by category
*Points are typically worth 1.5–2¢ each. That conversion is the part most people never get explained.
Illustrative example only, not a quote or guarantee, and before any first-year welcome offers. Actual results vary by spending, merchant coding, card terms, and eligibility.
Not every expense belongs on a card. Part of the strategy is knowing when processing fees outweigh the rewards.
Every recommendation already accounts for annual fees. We never suggest a card that doesn't clear its own cost.
See the assumptions
Assumes an average point value of 1.5–2¢. Figures are shown before annual fees are netted out. This recurring-value example excludes first-year welcome/sign-up offers.
Built first for businesses that spend to operate
Flip Your Points is designed first for property and service businesses with substantial card-eligible expenses. Other established, high-spend owner-operators may also qualify.
The problem
Right now, your money earns a participation trophy.
Most owners run everything through one card: a tired old flat cash-back card or, worse, a debit card. Materials, inventory, ads, software, utilities, fuel… all earning a fraction of what they could.
Here's the good news: you don't need to spend more. You need your spending to land in the right places. That's the flip.
You're probably leaving points on the table if…
- One card handles nearly every expense
- Large purchases go on whichever card is most convenient
- You pay annual fees for benefits you rarely use
- Your points and rewards are scattered across several programs
- You opened cards over the years without a clear plan
- You're not sure whether card-processing fees erase the rewards
- You want a better system, not a complicated one
Your points nerd
Hi, I'm Josh. I did the obsessive homework so you don't have to.
Generic "best business credit card" lists can't account for your business. The right strategy depends on what you spend, where you spend it, which cards you already hold, what's coming up next quarter, and how much complexity you'll actually maintain.
Joshua King
Founder · Flip Your Points
I'm a business owner and real-estate investor myself. I've used intentional card and rewards strategies to turn spending my family and businesses were already doing into flights, hotels, rental cars, and cash-equivalent value.
I built Flip Your Points for owners who want that value without turning points into a second job.
"I'm not the biggest spender in the room. I'm the one who went deepest on one question: how do you make every dollar of business spend earn more?"
How it works
The flip, in three moves.
Show me the spend
Complete a structured worksheet using ballpark ranges or categorized totals. Redacted statements are optional. Most owners spend 20–30 minutes on intake. No account logins, ever.
We talk it through
Once I've reviewed your intake, we get on a short call (usually 20–30 minutes) to walk through your categories, current cards, upcoming purchases, and what level of complexity you actually want to manage. This happens before I finalize anything, so the strategy is built around a real conversation, not just a form.
You get the game plan
Within 7 business days of our call, you'll get your written strategy, one-page routing guide, application roadmap, and a short recorded walkthrough. I follow up once by email to answer any remaining questions together, in one round.
More back on every dollar
Always know which card
Simple enough to actually stick
I take a limited number of Card Stack Reviews each month so every one gets real attention.
What you get
One Card Stack Review. A whole game plan.
This isn't a listicle of "best cards." It's a strategy built on your actual numbers, and it comes with everything below.
Recommended card strategy
What to keep, reconsider, or add, prioritized so you don't need to open everything at once.
One-page routing guide
Which card for which expense, simple enough to stick on the fridge.
Application & purchase roadmap
What to consider first, timed around purchases you already have coming.
A conversation, not just a document
A live call before your strategy is finalized, a written report, a recorded walkthrough, and one round of follow-up by email.
Sample output
You'll always know which card. And why.
A great rewards strategy should fit on one page. Your report includes a category-by-category cheat sheet like this one.
| Business expense | Recommended card | Why |
|---|---|---|
| Materials & inventory | Card A | Strong baseline return or applicable category value |
| Online advertising | Card B | Better multiplier for ad spend |
| Software subscriptions | Card C | Improved recurring expense value |
| Travel | Card C | Travel earnings and protections |
| Fuel | Card D | Category-specific rewards |
| General operating expenses | Card A | Best available everyday return |
Example only. Final recommendations depend on your spending, eligibility, card terms, merchant coding, and reward preferences.
Privacy & confidentiality
You stay in control of what you share.
Flip Your Points never asks for bank logins, card passwords, full account numbers, security codes, PINs, or access to your financial accounts. Full stop.
Most clients complete the Card Stack Review one of three ways:
Ballpark ranges
A directional analysis built from approximate category totals. Quick and painless.
Spending worksheet Most popular
Categories, estimated totals, current card used, recurring status, and notes. The sweet spot of easy and accurate.
Redacted statements
For maximum accuracy: redacted documents help catch missed categories and sneaky recurring expenses.
Who it's for
Made for owners who play it smart.
Sounds like you if…
- →You run a legitimate business with real monthly expenses
- →You average at least $10,000 in monthly business spend
- →Ideally $20,000 or more: that's where it gets fun
- →You pay card balances in full, every month
- →Your credit is strong or improving
- →You want a system you'll actually maintain
- →You'd enjoy travel rewards, cash back, or flexible points
- →You've got significant purchases coming up
Probably not for you if…
- →You regularly carry high-interest balances
- →You need financing more than rewards optimization
- →You want guaranteed card approval (nobody can promise that)
- →You want to manufacture spending
- →You'd misrepresent business information
- →You have little card-eligible business spending
- →You're hoping rewards will fix a cash-flow problem
- →You want to run 10+ cards or churn sign-up bonuses aggressively
Rewards only create value when the underlying financial habits make sense. If you're currently carrying a balance, the Card Stack Review likely isn't the right next step. Get balances paid down first, then come back. Read our short guide on prioritizing payoff before rewards →
Pricing
One price. The whole game plan.
$750 flat · one-time Card Stack Review
A personalized Card Stack Review for owners who want the money they already spend to work dramatically harder. That's the price. That's the whole pricing page.
Every month on your current card stack is roughly $440 in rewards value not being captured.*
Found-money guarantee: find at least $150/month in additional rewards value from your current spend, or your $750 back.
Everything included
- Intake questionnaire
- Current card portfolio review
- Business-spending profile
- Live strategy call with Josh
- Recommended card lineup & routing cheat sheet
- Application sequence & welcome-offer planning
- Annual-fee & benefit analysis
- Estimated annual rewards improvement
- Personalized report & recorded video walkthrough
- One round of follow-up by email
Covers one owner/operator strategy across up to two closely related entities. Larger or multi-owner portfolios are quoted separately.
*Based on the $15,000/mo illustrative example above; your actual figure depends on your spending. Rewards values are estimates and may vary based on actual spending, merchant coding, card terms, issuer rules, annual fees, and client eligibility. Guarantee applies to the Card Stack Review fee and is subject to terms provided at booking.
FAQ
Fair questions, straight answers.
Will applying for a new card affect my credit?
A credit-card application may affect your credit, and approval is never guaranteed. The report provides strategic considerations, but the final decision to apply remains yours.
Do I need to open every recommended card?
No. Recommendations are prioritized so you can decide what level of complexity is appropriate.
Can you apply for cards on my behalf?
No. Clients remain responsible for all applications and financial decisions.
Do you receive affiliate compensation?
Flip Your Points may receive compensation from certain application links. When applicable, this will be disclosed. Compensation does not determine which products are recommended.
Are credit-card rewards taxable?
Tax treatment can depend on the type of reward and how it was earned. Clients should consult a qualified tax professional.
Can you help with personal spending too?
The primary service is designed around business spending. A limited personal-spending component may be considered when it directly affects the overall strategy.
What if my business or spending changes after the review?
Your routing guide and application roadmap are built around your spending at the time of the review. If your spend profile shifts significantly, reach out; future strategy updates can be scoped separately.
How do you make sure annual fees don't outweigh the rewards?
Every card recommendation is checked against its annual fee before it's included. We don't suggest a card unless the expected rewards clear its own cost for your spending pattern.
Get started
Let's see whether your spending holds a meaningful opportunity.
Share a few quick details. I'll personally review them and reply within two to three business days with an honest read on whether the Card Stack Review makes sense for you. No obligation, no account logins.