It started as a way to stretch a student budget.

We met in Madrid, both studying abroad, with more places we wanted to see than money to see them with. The first trip we planned together was booked on points. So was the one after that.

What began as a workaround turned into a method. Which cards, in what order. Which spend belongs where. Which transfer partner turns a balance into a seat that would otherwise cost four figures. We kept notes, and the notes got good.

People started asking us how. The answer was always the same shape, whether the spend was a household's or a business's.

The money is already moving. Almost none of it is being routed on purpose.

The Points People is what that became. An independent card and points advisory for high-spend households and businesses. We do the time-consuming, unglamorous research, so the money already moving through your accounts comes back to you as travel.

We don't sell cards, and the recommendation doesn't change based on what we earn. You pay us, so our only incentive is the strategy that's actually right for your spend.

The change it takes is smaller than most people expect. Usually it is a matter of routing money that is already moving.

Ben and Masha, founders