AI-Powered Card Optimization

Your Business Is
Leaving Thousands
on the Table

We analyze what you're already spending and rebuild your card strategy so you stop giving money away — no calls, no bank switching, no complexity.

Start Free Audit See How It Works
No calls required
Delivered in 48 hours
Flat fee, no subscription
100% async
Monthly Rewards — $60K Spend
Current
(1% generic card)
$600
per month
Optimized
(with CardIQ)
$1,800+
per month
Extra rewards earned per month +$1,200
Annual Opportunity
In uncaptured rewards — every year
$14,400+

Example based on $60,000/month spend. Individual results vary by spending volume, categories, creditworthiness, and available card options.

The Problem

Most Business Owners Are Running on Default

You grabbed a card when you opened the business and never revisited it. Every swipe since has been a missed opportunity.

❌ Current Reality

Contractor on a Generic 1% Card

Monthly card spend $60,000
Effective rewards rate 1% cash back
Monthly rewards earned $600
Annual rewards total $7,200
✓ With CardIQ

Same Contractor, Optimized Stack

Monthly card spend $60,000
Effective rewards rate 3%+ average
Monthly rewards earned $1,800+
Annual rewards total $21,600+

Hypothetical example. Actual savings depend on your spend volume, categories, and available card options.

The Process

Simple. Async. Respect for Your Time.

No calls. No onboarding sessions. Fill out a short form and we handle everything — your report lands in your inbox.

Fill Out the Intake Form

Answer a few quick questions about your business, monthly spend volume, and existing cards. No sensitive account info required.

⏱ About 5 minutes
→

We Research Your Optimal Card Stack

We analyze your spend categories, business type, and existing points to identify the highest-earning combination of cards for your specific situation.

⚡ 48-hour turnaround
→

Receive Your Report & Start Earning More

A clear, actionable PDF report arrives in your inbox. Apply for the recommended cards and start earning at your optimized rate immediately.

📈 Start earning more right away

Affiliate notice: CardIQ may earn a referral fee if you apply for and are approved for certain recommended cards. This never influences our analysis.

Get Started

Start Your Free Audit

Takes 2 minutes. We'll analyze your spend and deliver your custom card strategy report within 48 hours.

By submitting, you agree to our Privacy Policy.

Free · No credit card required · Report delivered within 48 hours

Services & Pricing

Two Reports. Flat Fees. Real Results.

No retainers. No subscriptions. Pay once, receive your strategy, and start earning more.

Recommended

Business Card Strategy Report

A comprehensive, custom credit card stack recommendation built around your business spend categories, industry, and volume.

$ 597 flat fee
  • Full spend category analysis
  • Custom card stack recommendation (2–4 cards)
  • Annual rewards projection included
  • Sign-up bonus strategy & timing advice
  • Delivered to your inbox within 48 hours
  • 100% async — no calls, ever
Get My Report →

Trip Redemption Research

Already have points sitting idle? We find the highest-value redemption path for your goals — business class, hotels, domestic getaways.

$ 297 flat fee
  • Points balance review across all your cards
  • Best redemption path for your destination
  • Transfer partner analysis & timing advice
  • Step-by-step booking instructions
  • Delivered to your inbox within 48 hours
  • 100% async — no calls, ever
Research My Points →
FAQ

Questions We Always Get

The stuff everyone wants to know before they hit the button.

Does this require a call or meeting?
No — everything is 100% async. You fill out a short intake form (about 5 minutes), we handle the research on our end, and your report is delivered to your inbox. No calendar coordination, no Zoom calls, no back-and-forth scheduling. It's literally the point of the service.
Do I need to switch banks or close my current accounts?
Usually not. Most recommendations involve adding 1–2 new cards to your existing setup — often from banks you already work with. We optimize around your current situation. No need to restructure your business banking or close anything you rely on.
Is this legal? Any risks to my business credit?
Yes, completely legal. We only recommend legitimate business credit cards with published rewards programs. We'll flag if any recommended application could temporarily affect your credit score so you can make an informed choice. There's no hacking, manufactured spending, or loophole abuse involved.
How fast do I get my report?
Within 48 business hours of receiving your completed intake form and payment. Most reports are delivered within 24 hours. You'll get an email confirmation when your order is received and another when your report is ready.
What kind of businesses do you work with?
CardIQ is built for small business owners spending $20,000 or more per month on credit cards. We serve contractors, dental and medical practices, med spas, restaurants, e-commerce stores, and professional service firms. If you're putting meaningful spend on cards and haven't optimized, we can almost certainly find you more rewards.
Do you share or sell my financial information?
Never. We only ask for general spend categories and volumes — not account numbers, login credentials, or sensitive data. Your information is used solely to build your strategy report and is never shared with or sold to third parties.
🔒
Our Commitment

If the report doesn't find a better card for your business, you don't pay.

We review your spend profile before charging anything. If we can't find a card stack that outperforms what you're already using, the analysis is free.

Ready to Start?

Stop Leaving Money
on Every Single Swipe

Fill out the free intake audit and we'll identify exactly how much you're leaving on the table — before you spend a dollar.

Start My Free Audit
No calls, ever
48-hour delivery
Flat fee, no surprises
Your data stays private
No bank switching required