How I lost $150k
without Amex and Chase

Before
- Method: Using standard debit cards to run advertising and business operations.
- The Math: Spent $1.000.000 upfront with zero payment flexibility or leverage.
- The Result: Completely lost out on $150.000 in baseline rewards and travel value.

Now
- Method: Running all ad and operational spend through top-tier Amex & Chase credit cards.
- The Perks: Unlocked net 30–60 day payment terms to keep cash in the business while flying business class for free.
- The Return: The next $1.000.000 in spend generates 3–4M points (worth $120k–$160k USD). In 2026 I earn $50k–$70k back on $240k spent.

