166. The Payroll Points Strategy Update: Cards, ROI & Best Practices with DeAndre Coke
Point Me To First Class
Devon Gimbel MD
4.9 • 1.2K Ratings
🗓️ 4 May 2026
⏱️ 46 minutes
🧾️ Download transcript
Summary
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.
Get full show notes and transcript: https://pointmetofirstclass.com/earning-points-on-payroll-update
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Transcript
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| 0:00.0 | Welcome to Point Me to First Class, the only show for employed professionals, entrepreneurs, and business owners who are looking to optimize their higher than average expenses to travel the world. |
| 0:10.7 | I'm your host, Devin Gimble, and I believe that your expenses are your greatest untapped asset, if you know how to leverage them. |
| 0:17.8 | Ready to dive into the world of credit card points and miles so you can travel more, travel better, and travel often. Let's get started. Hey, everyone, welcome back to the |
| 0:31.7 | podcast. Today, I'm joined by DeAndre Koch, a seasoned financial advisor with a deep expertise |
| 0:37.2 | in points and miles and award travel to talk about maximizing points earning for payroll expenses. |
| 0:43.7 | For many business owners, payroll can be one of, if not their largest business expense, making it a potentially incredible points earning opportunity. |
| 0:52.5 | Long time podcast listeners will remember DeAndre first joined me |
| 0:55.7 | to talk about points earning for payroll last year back in podcast episode number 105. |
| 1:01.5 | But interestingly, right after that conversation aired, the entire system for earning points |
| 1:06.3 | for payroll experienced a significant, let's call it, recalibration. DeAndre returns today to talk about what |
| 1:12.7 | happened with the payroll points earning platform last year, what's different and working now, |
| 1:18.7 | and how business owners can leverage their payroll expenses strategically moving forward. |
| 1:24.0 | We'll get into which credit cards are currently working best and how people are optimizing |
| 1:28.0 | this strategy. |
| 1:29.5 | But just as importantly, we're going to have an honest conversation about the risks, the potential |
| 1:33.7 | downsides, and how to actually evaluate whether this makes sense for your business before |
| 1:38.5 | jumping in. |
| 1:39.3 | And of course, we'll walk through the real math behind this strategy so you can understand |
| 1:43.0 | when it's actually worth it and when it's not. |
| 1:45.4 | So if your business owner has been curious about earning points on payroll or you've already heard about this and you're wondering whether it's too good to be true, this episode is going to give you a much more complete picture. |
| 1:56.0 | Let's dive in. |
| 1:58.8 | DeAndre, welcome back to the podcast. I'm so excited to have you joined me today to give |
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