The big questions…answered

How many points will I earn?

Naturally, that depends on the amount of your payroll and how long you use the Payroll by Credit Card service. You can count on our team to provide you with advice on which credit card will help you earn the most points and how to maximize the value you can receive using them.


How much are the points worth?

This depends on how you like to travel and where. It’s not unusual for our clients to earn over a million rewards using our service which could easily provide a family enough points to fly First Class Hawaii from anywhere in North America.


What is your service area?

Payroll by Credit Card is currently serving Canadian and US clients.


Has My Payroll Company Agreed to Participate in This Service?

We work with dozens of payroll companies. Let’s talk about who you currently use for a payroll provider and how we will work with them.


Is American Express the only card I can use?

Currently, American Express is the credit card company we’re working with. American Express provides super reward value, excellent flexibility to use points and service. In the future our business model could be applied to any credit card.


Are there any tax considerations that I should be aware of?

There are always tax considerations. Every company and individual has specific concerns regarding taxes. We recommend that you consider your potential use for your Reward Points and discuss any implications with your accountant or financial adviser.


What are the advantages of American Express?

While benefits vary by AMEX product, you could earn 1.25 points per dollar, compared to just 1 point with most other cards. With the American Express business card, you could have access to American Express Travel Services as well as the American Express Merchant Reward website. Depending on the card, you could also enjoy perks like exclusive airport lounges, priority check-in and bonuses through partner programs.

* Ensure you are examining the correct country link if visiting above websites. 


Is it just for travel?

Not at all! While most business owners use their points for travel, you have an option to use them for other qualifying merchant rewards. You can also transfer your points to other partner programs – like Aeroplan or British Airways – and use them to purchase products. We are here to assist you to find the best value for your point use.


How do I get an American Express card for my business?

Our team can connect you to an American Express representative, or you can visit the American Express Canada or American Express US.


How much does this cost?

Payroll by Credit Card handles all the transactions with American Express and provides payroll funds to your automated payroll service. Our fee structure is determined by the volume of your payroll and jurisdiction. Please contact us so we may discuss your specific account details.


What sort of reports will I receive?

Clients are given access to our secure portal which will provide a record of all card transactions, debits from account and record of any surplus being held with Payroll by Credit Card.


Who is Payroll by Credit Card?

The company was started by entrepreneur John MacInnes who, like many business people, charged expenses on a business credit card to earn points. He discovered a way to charge his largest expense – payroll – and the points began to multiply rapidly. Now he offers that service and point use consulting to business people like you.

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