OUR STORY
Backstory: family goals
My husband and I decided awhile back to prioritize travel and experiences for our family. Pictured above is our first international trip to Vietnam as a family.
We came home wanting more countries and more adventures with our four kids. The problem is, it can add up quickly especially when we're a "two-room" sized family.
Credit card points seemed like the obvious answer. My businesses were already putting a significant amount on cards every month. But while I was telling my neighbor about covering our next trip with points, I did the math and realized we’d come up short.
So I started researching
Before I even finished that conversation, an idea popped into my head to start digging into the cards I was already using for my businesses. I realized I was leaving a ridiculous amount of points on the table.
One example: my business spends $10K to $20K a month on shipping and postage. I was putting a lot of that on a card earning 1.5X points. With the right card strategy, I could be earning 3X without doing much differently.
Same vendors.
Same expenses.
Same business.
Just a better card strategy.
Then it became fun
Next I looked at welcome offers and bonuses, and how to strategically route big expenses I was already planning to make: a new office, new furniture, new equipment.
Then I built a tool to analyze where every dollar was going and find the best card for it.
579,000
Roughly how many additional Chase points I can earn in the first year
225,000
Roughly how many additional points I can earn every year after, just by reallocating my spending
If you're doing the math, here's the approximate breakdown:
WHEN
EXTRA POINTS
AT 1 CENT EACH
First year
579,000
$5,790
Every year after
225,000
$2,250
Over 5 years
1,479,000
$14,790
Assumes no change in spending, with points valued at 1 cent each as cash back. Transferred to airline and hotel partners, points are often worth more.
The sign-up bonuses were nice. But the 225,000 points every year was a huge “aha” moment.
I didn’t need to spend more money. I needed the dollars I was already spending to do more for me.
The epiphany
And that got me thinking. How many other business owners are putting hundreds of thousands of dollars on credit cards every year without optimizing for the highest return on rewards?
That question turned into Swipe Payoff.
OK, finally… the facts
Swipe Payoff is built for roofing companies spending $30K or more each month on business credit cards.
A real person reviews 3 months of your statements. Our AI tool does the sorting, a human does the thinking.
You get a written game plan in 3 business days, then we walk through it together on a call.
Proudly based in Omaha, NE (Go Big Red!)
Swipe Payoff helps you answer questions like:
Which card should our supplier, materials, fuel, and fleet spend go on?
Am I paying annual fees for cards that don’t earn their keep?
How do I turn roofing lead-generation spend into more rewards?
When should we time our next truck, trailer, or equipment purchase?
Do my points transfer to airlines and hotels, and when is that worth it?
How many cards is too many?
Get Started