Spend Intelligence Consulting Group
๐Ÿ Ontario-Based ยท Canadian SMB Specialists

Your Business Cards Are Costing You More Than You Think

Most Canadian SMBs are using the wrong credit cards for their spending mix โ€” missing thousands in rewards and paying fees they shouldn't. We fix that, fast.

Average Annual Savings Found Per Client
$0
Using our proprietary analysis software.

No cost. No obligation. Results in one consultation.

Trusted by businesses across

RetailConstructionProfessional ServicesHealthcareHospitalityE-Commerce
The Problem

Canadian SMBs Are Leaving Real Money Behind

Business credit cards aren't one-size-fits-all. The wrong card for your spending category, or a card with fees that outweigh the benefits, quietly drains your bottom line every single month.

73%
of SMBs are on the wrong card for their primary spending category
$2,400
average annual savings identified in our first client analyses
15 min
is all it takes to complete your free spend analysis
The Process

Simple. Fast. No Disruption to Your Business.

๐Ÿ“‹
Book Your Free Call
15 minutes with one of our consultants. We learn about your business and monthly spending.
๐Ÿ”
Analysis
We run your spend profile through our proprietary Canadian card optimization software.
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Review Your Report
We present a clear breakdown of what you're losing, what you should switch to, and why.
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Start Saving
Implement our recommendations at your own pace. We help every step of the way.
Who We Work With

Built for SMBs and the Accountants Who Advise Them

๐Ÿข

Small and Medium Businesses

If your business spends $3,000 or more per month on credit cards, there is almost certainly money being left behind. We find it.

  • โœ“Full spending profile analysis
  • โœ“Canadian card-by-card comparison
  • โœ“Rewards maximization strategy
  • โœ“Ongoing optimization as you grow
  • โœ“Better spending habits and controls
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Accounting Firms and Bookkeepers

Add a high-value, zero-effort service to your practice. We do the work โ€” you deliver the savings to your clients.

  • โœ“White-label software
  • โœ“Referral partnership program
  • โœ“Co-branded client reports
  • โœ“Full support and training provided
  • โœ“New revenue stream for your firm
What We Analyze

Every Factor That Affects Your Card ROI

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Card Selection

Is your card actually right for your industry and spending categories?

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Rewards Earning

Points, cash back, and travel miles โ€” are you earning the maximum on every dollar?

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Annual Fees

Are your card fees justified by the benefits, or are you paying for features you never use?

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Spending Habits

Small changes to how and when you spend can significantly increase your returns.

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Card Stacking

Sometimes two cards used strategically outperform one premium card by a wide margin.

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Perks and Insurance

Travel insurance, purchase protection, and extended warranties have real dollar value.

โšก ยท Proprietary Canadian Card Optimization Software

The Only Tool Built Specifically for Canadian Business Card Optimization

Unlike generic comparison sites, models your actual spending profile against every major Canadian business card โ€” factoring in category bonuses, foreign transaction fees, redemption values, and annual fee offsets โ€” to find your true optimal card mix.

Client Results

Real Savings for Ontario Businesses

"I had no idea my card was costing me money. The analysis took 20 minutes and we found over $3,100 in annual savings just by switching two cards. Should have done this years ago."

David M.
Owner, Construction Co. โ€” Mississauga, ON

"We now offer this analysis to all our SMB clients through the white-label program. It has become one of the most appreciated things we do โ€” and it costs us nothing to deliver."

Sandra L., CPA
Partner, Accounting Firm โ€” Toronto, ON

"Between the rewards we weren't earning and fees we were paying for nothing, it was over $2,800 a year. The whole process was straightforward and they handled everything."

Priya K.
Director, Healthcare Clinic โ€” Ottawa, ON

Find Out What Your Business Is Leaving Behind

Get your free savings analysis. Takes 15 minutes. Zero obligation.

๐Ÿ”’ Your information is never shared or sold. Canadian privacy compliant.