5–6 figures a year in travel and rewards from spend you're already making.

We project at a conservative 3¢ per point on realistic transfer-partner redemptions — not cherry-picked premium business class flights. For a typical $50,000/month founder, that works out to roughly $130,000–$180,000 of value over 24 months (including Year 1 signup bonuses). You can always cash out at 1¢/point (straight cashback). That's the floor no matter what. On your strategy call we map this against your actual numbers, and we only recommend Black if we can show a conservative 5x return on our fee over 12–24 months.

Jokes aside, yes, it's 100% legal. Millions of Americans have been taking advantage of it for years. But we get it, if you're not used to it, it feels too good to be true.

We share pricing on your strategy call once we've run your actual numbers. The rule: if we can't show you a conservative 24-month upside that's at least 5x our fee, we won't invite you to work with us — so the math decides before pricing comes up.

Short answer: yes. US banks compete so hard for customers that they offer much bigger sign-up bonuses, higher earn rates, and perks you simply don't see outside the US, even on the same card brands. That gap is what we help you tap into.

Yes. Banking and security rules don't let anyone else verify your identity. You join a few short calls with bankers, upload documents through their secure portals, and approve openings via your own email or SMS. We prepare everything, tell you exactly what to say, and coordinate every step. Total time on your side is usually a few hours spread across a few weeks.

No. Non-US citizens and non-residents are exactly who we work with. The system just isn't designed to make it easy, which is the work we do for you.

No. We understand it's not always convenient or possible to travel, so we've made sure to fully accommodate our clients. Everything can be done remotely.

You don't need to be a US citizen or resident, and you don't need an existing US entity or US credit score. We can build a US profile from scratch. If you do already have a US entity or good credit at home, we can usually move faster and sometimes transfer history to speed things up.

For most non-US founders, simply opening US accounts and earning card rewards does not by itself create US tax filing obligations. Those usually depend on where your income is earned, how you structure entities, and where you're resident. We're not tax advisors, so if you have a complex setup, check with your accountant.