Illustrative business spend example
$40K/month business spend
Cash or basic cash-back
$4,800 cash-back value
Generic rewards approach
480,000 points
Max Your Rewards approach
720,000+ points
240,000+ extra annual points from category matching.
Credit card points strategy for business owners and travelers
You're Sitting on a Free Vacation. You Just Can't See It Yet.
Most business owners earn 1% on everything. I analyze where your money actually goes, match you to cards earning up to 5x in your top categories, then help you turn those points into trips before they devalue.
80%
of points earners never redeem
Points only help when you use them.
0 days
of warning before some devaluations
Programs can change award pricing without much notice.
6 figures
of missed points over a decade
A generic card can quietly underpay every month.
Start where you are
Two paths, same goal: stop wasting rewards.
How it works
Four practical steps from messy spend to booked travel.
Step 1
Analyze your spend
You share category totals or statements so the strategy starts with real numbers.
Step 2
Get your card strategy
You receive a written action plan with the math behind every recommendation.
Step 3
Check in and accumulate
For higher tiers, we review progress after 3 to 6 months and pick redemption targets.
Step 4
Book the trip
You get practical redemption support before points lose value.
Default choice
Hawaii, once
$10,000
One default bucket-list trip can consume the whole travel budget.
Optimized choice
St. Thomas, three times
Same budget
Comparable beach experience, more total trips, more people included.
Illustrative results
Three-way points math, not vague promises.
Destination photo placeholder
Alicia
Business owner - Caribbean family trip
- Cash price
- $5,420
- Generic
- 542,000 portal points
- MYR approach
- 162,000 transfer points
"The difference was knowing when to use points and when to pay cash."
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Marcus
Solo traveler - Rome and Florence
- Cash price
- $2,150
- Generic
- 215,000 portal points
- MYR approach
- 70,000 transfer points
"A nearby airport changed the whole equation."
Destination photo placeholder
Priya
Business owner - West Coast client trip
- Cash price
- $1,087
- Generic
- 108,700 portal points
- MYR approach
- 60,000 transfer points
"The same spend finally started doing more work."
First-year value guarantee
If your first-year rewards gain does not exceed the assessment fee, I will refund the difference. The recommendation math is shared with you before you make any card decision.
FAQ
Common questions
Can't I just do this myself with free tools?
Yes, if you enjoy research and have time to compare spend categories, card rules, transfer partners, award charts, and booking timing. Max Your Rewards is for people who want the math done clearly and the next steps laid out.
Do you get paid by credit card companies?
Max Your Rewards may receive referral commissions when clients are approved through eligible links. Recommendations are still based on your spend analysis, and you see the reasoning behind each recommendation.
Will applying for cards hurt my credit?
Card applications can involve hard inquiries and approval decisions are controlled by issuers. This service is not credit repair or financial advice; the goal is to help you understand the rewards tradeoffs before you decide.
What do I need to provide?
Category totals are enough for the first pass. Many clients use 12 months of business card statements, bookkeeping category totals, or a simple estimate of monthly spend.
What if you can't find a better setup?
The guarantee exists for that case. If the first-year rewards gain does not exceed the assessment fee, the difference is refunded.
Trusted credentials
Veteran-owned business
Small business spend analysis
Award travel strategy
Plain-English recommendations
Want to see what your current card setup is leaving behind?
Start with a free audit call or run the points calculator first.