You earn points. But do you earn ROI? Stack your cards right, and a $1M expense line turns into $100K of travel yield. Stack them wrong, and it’s gone. You don’t need new cards - you need a smarter stack.

Too many businesses we start working with earn points but redeem poorly, leaving value on the table. Our 2-Cent Club flips the script: earn strategically, burn at 2¢+ per point, and turn everyday spend into a 10%+ return. Hint: Stop reacting, start treating points as a profit center, not just perks.

A Denver agency spent $250,000 last year and thought they were crushing their rewards game. Turns out, they were donating $20,000 in free travel back to the banks. One wrong card per category (ads, SaaS, travel) and 8% of their spend vanished in plain sight.

Your points aren’t what they used to be. As we enter Q4-2025, most airline miles are stuck in the 1.2–1.4¢ range, while transferable bank currencies and Hyatt redemptions remain the real winners. The game has shifted: flexibility beats loyalty, and timing turns points into power.