Stone Funding Solutions now offers Credit Card Rewards Consulting — a flat-fee advisory service that restructures your business credit card strategy to maximize every dollar you spend.
No obligation. Flat-fee consulting — no hidden costs.
Three reasons the average business is leaving thousands on the table every month.
The average business owner on a standard bank card earns 1% cash back — $400/month on $40,000 in spending. That's what the bank wants you to accept.
An optimized credit card strategy earns 2x, 3x, or 4x on the same spending categories — advertising, fuel, dining, office supplies — without changing your budget.
You're not spending more. You're just capturing more value from what you're already spending. On $40,000/month, the difference is worth thousands of dollars in flights and hotel stays every year.
Comparing standard 1% cash back vs. an optimized multi-card strategy.
| Monthly Spend | 1% Cash Back (Current) | Optimized Strategy | Additional Value / Year |
|---|---|---|---|
| $20,000 / mo | $2,400 / yr | $4,800–$7,200 / yr | +$2,400–$4,800 |
| $40,000 / mo | $4,800 / yr | $9,600–$14,400 / yr | +$4,800–$9,600 |
| $60,000 / mo | $7,200 / yr | $14,400–$21,600 / yr | +$7,200–$14,400 |
One flat fee. No retainers. No percentage of points. No upsells.
We learn your business, monthly spend, current cards, and travel goals.
45 minutes of deep research into your spending categories and the best card options on the market right now.
We map your full personal + business card strategy and explain transfer partners and redemption tactics.
Your complete plan in writing — which cards, how to split spending, and which categories go where.
Email and text support as you apply, activate, and start using your new cards correctly.
When you're ready — months later is fine — we find the award booking and walk you through redemption.
A simple four-step process from first call to first business-class flight.
A 20-minute conversation to confirm fit, understand your spend, and answer your questions.
We analyze your categories and build a personalized card-mix recommendation.
75-minute call walking through your strategy, plus a written document you can refer to forever.
Open the cards, route the spend, accumulate points — then we book your first trip when you're ready.
A private medical practice owner was running $40,000/month through a single 1% cash-back bank card — earning roughly $400/month. After restructuring their strategy across a Capital One and Chase split with a complementary personal card that doubled points at year-end, they earned well over a million points in the first year. Those points were redeemed for a $9,000 all-inclusive resort stay in the Dominican Republic. Zero out of pocket. Same spend. Same business.
No retainers. No percentage of points. No hidden costs. One transparent fee.
You pay nothing until after your discovery call confirms we're a fit.
Best fit: business owners spending $20,000+/month on business credit cards.
Heavy material, fuel, and subcontractor spending — categories that map directly to high-multiplier business cards.
Recurring supply, lab, and insurance payments add up fast. Optimized routing can turn them into business-class travel.
Spending $20K–$60K+/month on Meta and Google? The right card earns up to 3x uncapped on every dollar.
Honest answers to the questions business owners ask us most.
You're already spending the money. Let's make sure you're capturing every dollar it's worth.