One-on-one advisory

Your business card setup,
done right.

A 45-minute strategy session where we look at your actual spend, build your ideal card stack, and make sure you're not missing a dollar of rewards you've already earned the right to.

$299 one-time · no recurring fees

Book your session →
Money-back guarantee if you don't leave with a clear, actionable plan

45 minutes that pays for itself
in the first month.

The free rewards check gives you a starting point. This goes deeper — into the specifics of your business, your goals, and the full picture of how to build a card strategy that actually works for you long-term.

01

Full spending analysis

We go through your real monthly spend category by category — not just estimates. Every dollar gets mapped to the card that earns the most on it.

02

Custom card stack recommendation

Which 2–3 cards to use, which to put away, and exactly which card swipes for what. No overlap, no wasted spend, no leaving points on the table.

03

Redemption strategy

Earning points is only half the game. We'll build a plan for how to redeem them — whether that's cash back, flights, hotels, or a specific goal you have in mind.

04

Written summary you keep

After the call you get a written breakdown of your card stack, the reasoning behind it, and your redemption roadmap. Something you can actually refer back to.

05

30-day follow-up access

Questions after the call? Reply to your summary email within 30 days and you'll get a real answer — not a canned response.

This session is worth it if...

Good fit
  • You spend $3,000+ per month on your business
  • You have employees or contractors using cards
  • You want to earn toward a specific goal (flights, hotel, cash back)
  • You have multiple cards and aren't sure which to use for what
  • You tried to research this yourself and got overwhelmed
  • You want a clear plan, not another article to read
Not the right fit
  • Your monthly business spend is under $1,500
  • You only want cash back and have no interest in travel rewards
  • You already have an optimized card setup you're happy with
  • You're looking for general financial planning advice
👤

Hi, I'm Kellen Derry

I started Earnwell because I kept watching business owners — smart, hardworking people — run every purchase through the wrong card and leave thousands of dollars in rewards unclaimed every year. Not because they didn't care. Because nobody had ever laid it out for them clearly.

I'm not a financial advisor and I don't pretend to be. What I am is someone who has spent years understanding how these rewards programs work, where the real value is, and how to build a simple system that earns you the most without adding complexity to your life.

The strategy session is the conversation I wish someone had offered me earlier. Straight talk, your actual numbers, and a plan you can act on that afternoon.

Before you book

Do I need to have good credit to benefit from this?
Most business rewards cards require good to excellent credit (typically 680+). We'll discuss your situation on the call and only recommend cards you're likely to be approved for. If credit is a concern, we can also talk through ways to build toward the right cards over time.
How is this different from the free rewards check?
The free rewards check gives you a solid starting recommendation based on your spend categories. The strategy session goes deeper — we look at your full picture, discuss your goals (cash back vs. travel, short-term vs. long-term), handle nuances like employee cards or mixed personal/business spend, and build a complete redemption strategy. It's the difference between a recommendation and a plan.
What if I already have several credit cards?
That's actually where this session is most valuable. We'll figure out which cards to keep, which to set aside, and how to use what you have more effectively — before talking about whether adding a new card makes sense.
Do you earn a commission if I apply for a card you recommend?
Possibly, yes — and I want to be upfront about that. If you apply through a link I send after our session, I may earn a referral fee from the card issuer at no cost to you. My recommendation will always be based on what's best for your specific situation, not what earns me the most. The $299 session fee means I'm not dependent on you applying to anything.
What's your refund policy?
If you complete the session and don't feel like you got a clear, actionable plan worth the investment, I'll refund you in full. No hoops, no questions. I'd rather give the money back than have someone feel like they didn't get value.

Ready to stop guessing
and start earning?

Pick a time that works for you. The session is 45 minutes over video call. You'll leave with a written plan and a clear next step.

$299 · one-time · money-back guarantee
Book your strategy session →