Business credit card strategy

Your business is leaving thousands on the table every year.

RewardGap analyzes your actual credit card statements and builds a precise strategy to maximize what you earn on the spend you’re already making. No new spending required.

$497 one-time. Only charged if we find $1,000+ in additional rewards.
Typical client results
Average additional rewards identified per year
$6,400per year
Average return on the strategy fee
12×ROI on $497
Time to receive your full strategy report
<10minutes
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vs. traditional consultantsA credit card consultant or financial advisor typically charges $800–$1,200 for a one-time strategy session — and still won't guarantee results. RewardGap delivers a more precise, data-driven analysis in minutes, at a fraction of the cost.
The process
Precise analysis in three steps.
01 — Upload
Submit your statements
Upload 2–6 months of PDF statements for each business credit card you use — have these ready before you begin. Our system reads your actual spend data — not estimates — so every recommendation is grounded in what your business actually does.
02 — Analyze
We identify the gap
Our system maps your spend by category against 37 business credit card reward structures — general purpose, airline co-branded, and store cards — and calculates precisely where you’re under-earning and by how much.
03 — Strategy
Receive your report
You receive a personalized card stack recommendation with a full spend-by-category breakdown, your current vs. optimized earnings, quick wins you can act on immediately, and a complete strategy email you can file and reference.
Coverage
✓ Database reviewed June 2026
37+ cards across every major category.
Our database covers 37 business credit cards — from no-fee everyday earners to premium travel and hotel cards. We match the right cards to your actual spend patterns, not just the highest-fee option. Reward rates and annual fees are reviewed and updated regularly to keep recommendations current.
General purpose business cards (Chase Ink, Amex Business Gold, Capital One Venture X, and more)
Airline co-branded cards (Delta, Southwest, United, American Airlines)
Store & club cards (Home Depot, Lowe’s, Menards, Sam’s Club, Costco)
Example: landscaping business, $28K/mo spend
CategoryMonthlyCurrentOptimized
Gas & fuel$4,2001x4x ↑
Inventory / materials$9,8001x4x ↑
Office supplies$1,1001x5x ↑
Phone & internet$6801x5x ↑
Dining$9401x3x ↑
General$11,2801x2x ↑
Result: +$7,240/year in additional rewards on identical spend
Data handling
Your statements are sensitive. We treat them that way.
Processed, not stored
Your PDFs are read during your session only. They are never written to any server, database, or file system.
Spend totals only
We extract merchant category totals. Statement issuers already redact sensitive details before you receive them.
Encrypted in transit
All data travels over HTTPS with 256-bit encryption — the same standard used by major financial institutions.
No data retained
Close the page and everything is gone. No account required. Nothing shared with third parties. Ever.
Pricing
One fee. No surprises.
RewardGap charges a single flat fee for a complete analysis. No subscription, no upsells, no annual renewal. You pay once and receive a strategy you can implement immediately and use indefinitely.
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You only pay if we find results
We place a hold on your card — not a charge. If your analysis doesn't identify at least $1,000 in additional annual rewards on your existing spend, the hold is released automatically. You owe nothing. No forms, no requests, no runaround.
Complete strategy analysis
Consultants & advisors charge $800–$1,200+
$497
One-time fee — no subscription
  • Full statement analysis (up to 6 months per card)
  • Spend breakdown by merchant category
  • Current vs. optimized earnings comparison
  • Personalized card stack recommendation
  • Matched against 37+ business credit cards
  • 3 prioritized quick wins
  • Complete strategy report delivered by email
  • $1,000 minimum gain guarantee
🔒 Stripe-secured checkout  ·  Only charged if $1,000+ found  ·  No subscription
Common questions
Frequently asked.
What statements do I need to upload?
PDF statements for any credit card you use for business expenses. We recommend 2–6 months per card. One file per card per month is ideal. The more data you provide, the more accurate your strategy will be.
Is my financial data safe?
Yes. Your statements are processed only during your active session and never stored on any server. Statement issuers already redact sensitive details before you receive them. We extract spend category totals only — nothing more.
How is this different from comparing cards online?
Generic card comparison sites recommend cards based on average spend profiles. RewardGap analyzes your actual statement data — the specific amounts, in the specific categories your business spends — and builds a strategy precisely calibrated to your real spend patterns.
What if my business uses store cards or airline cards?
Our database includes store cards (Home Depot, Lowe's, Menards, Sam's Club, Costco) and all major airline co-branded cards (Delta, Southwest, United, American Airlines). We'll factor in caveats like regional availability and reward redemption restrictions so you get the full picture.
How does the guarantee work?
Our guarantee is built into the payment process itself — not a refund policy. We place a $497 authorization hold on your card before the analysis runs. If we find less than $1,000 in additional annual rewards on your current spend, the hold is released automatically and your card is never charged. You only pay when we find real results.
Do I need to change how much I spend?
No. The entire premise of RewardGap is finding more reward on the spend you're already making. We don't recommend spending more — we recommend spending smarter on what you're already buying every month.
How long does the analysis take?
Once you upload your statements, the analysis runs in minutes. Your full strategy — including the breakdown, recommendations, and email report — is ready before you'd finish a cup of coffee.
What size business is this for?
RewardGap works best for businesses spending $5,000–$500,000+ per month on credit cards. The more you spend, the larger the gap we typically find — and the faster the strategy pays for itself.
Ready to close the gap?
Most businesses recover the fee
in the first month.
Upload your statements. Get your strategy. Start earning more on the spend you’re already making.
Only charged if $1,000+ found  ·  Instant results  ·  No subscription