May 4, 2026
Payroll Points Strategy for Business Owners: Cards, Costs & ROI Explained
Episode Description
If you’re a business owner who pays payroll for yourself or your employees, you might be sitting on one of the biggest untapped points-earning opportunities in your business—and it doesn’t require opening new cards or chasing welcome bonuses.
DeAndre Coke, a financial advisor and points expert, returns to the show to give us a much-needed update on earning credit card points for payroll expenses using the Zil Money platform. We first talked about this strategy back in Episode 105 last year, but right after that conversation aired, the entire system experienced major disruptions. DeAndre and I discuss what happened over the past year, what’s different and working reliably now, and how business owners can approach this strategy moving forward.
DeAndre and I walk through the step-by-step process for how this works, which credit cards are currently the best options for maximizing points, and the real math behind the ROI—including the processing fees, platform costs, and how to actually evaluate whether this makes sense for your business. We also cover critical best practices to avoid disrupting your payroll and who this strategy is and isn’t right for.
Turn your expenses into points and save tens of thousands of dollars a year on your travel wishlist. Don’t miss out! Click here to know more about my comprehensive online program, Points Made Easy.
What You’ll Learn from this Episode
- How the Zil Money platform works for earning points on payroll without changing payroll providers
- Which credit cards currently offer the best points earning for payroll expenses
- The actual costs involved and how to calculate whether the ROI makes sense for your business
- Why redemption strategy is critical to making this approach worthwhile
- Best practices for business owners trying this for the first time
- Who should and shouldn’t consider using this strategy
Featured On the Show
- Follow DeAndre on Instagram
- Check out the Revolutionizing Your Journey podcast here
- Check out BoldlyGo Travels on YouTube
- Join the BoldlyGo Newsletter here
- Join the BoldlyGo Facebook Group here
- Check out Zil Money for payroll here
- Episode 105: Turn Payroll into Points: A Game-Changing Strategy for Business Owners with DeAndre Coke
- Follow me on Instagram
- Get on the waitlist for the Points Made Easy Course here!
- Get My Cash-Back Credit Card Cheat Sheet!
- If you have any questions or you want me to dive deeper into a specific topic, email me here: podcast@pointmetofirstclass.com
Click here to download the full episode transcript
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Point Me to First Class is the show for professionals and business owners with higher-than-average personal or business expenses, who want to learn to leverage these expenses into credit card points they can spend on travel.
Each week, I share valuable tips, tools, and strategies to help you uplevel your skills earning and redeeming credit card points, so you can expand your travel and expand your experiences.
