Business owners leave rewards value on the table by not matching spend categories to the best card.
Matching your real spend categories to each card's bonus categories means you stop leaving rewards value on the table.
Backed by a 30-day money-back guarantee. If it is not useful, we will refund it, no questions asked.
Having multiple business credit cards doesn't earn extra rewards by itself; the value only shows up when spending actually routes to whichever card earns the most in that category, which most business owners never sit down to calculate.
This spreadsheet lists your major spend categories with a realistic monthly estimate, lets you enter each card's actual rewards rate per category, identifies your best card per category automatically, and calculates the monthly rewards value, so you know exactly where to route spending and can revisit whenever a card's bonus categories rotate.
We built this after seeing how many business owners hold multiple rewards cards without ever calculating which card actually earns the most for each type of spend.
— DaveWays
No more guessing which card to use for office supplies versus advertising spend.
Monthly rewards value calculates automatically once you enter your rates and spend estimates.
Revisit whenever a card's bonus categories change or you add a new card.
Does this recommend specific credit cards?
No, you enter your own cards and their actual rewards rates; it doesn't suggest which cards to get.
How many cards can I compare?
The sheet is built for comparing several cards side by side across your spend categories.
Does it account for annual fees?
No, it calculates rewards value by category; factor in annual fees separately when deciding whether to keep a card.
Business Credit Card Rewards Optimizer (Free Preview) — download a condensed version free, no purchase required, to see if it's a fit before you buy.
Business Credit Card Rewards Optimizer is $12.99 USD, one-time payment, instant delivery, no subscription. Covered by our 30-day money-back guarantee. See our refund policy and terms.
