I don't think you're pricing is too low, nor Gary's too high. It seems like a simple case where you are targeting the simpler/lower-end client and Gary the more complex/expensive/upper-end. Pricing logically would differ. I do something different from both of you guys, though not formally and not as my primary job. I advise a couple of fellow business owners who spend millions on credit cards per year how to optimize the spending for their specific needs, as I have a solid background on this niche because of my history of spending millions on my cards through my business and utilizing the benefits for travel.