Credit card rewards optimizer
Start in 30 seconds and stop guessing which card to use.
Build your wallet, model your spending, and see effective returns that actually account for points, portals, and transfer value.
Smart Checkout
Which card RIGHT NOW?
Enter a merchant and amount. Instantly see the best card factoring in rewards, active offers, and point valuations.
Transaction Optimizer
Which card by category?
Select a spending category and see which card in your wallet gives the highest effective return rate.
Portfolio Analyzer
How are my cards performing?
Enter your monthly spending and see annual rewards, net value after fees, and identify dead cards.
Card Recommender
What cards should I get?
Based on your spending, discover which new cards would earn you the most incremental value.
How it works
Three fast steps
Add cards
Pick the cards you already have. No sensitive account details required.
Shop
Use the optimizer, analyzer, and dashboard to see what your stack actually does.
Save
Shift spend, recover annual fees, and stop wasting your best categories.
Why Effective Return Rates Matter
Most people think "3x points = 3% back." But that misses what points are actually worth.
Chase Sapphire Reserve can turn 10x portal hotels into roughly 15% effective return.
Amex Gold can turn 4x dining into about 8% effective return if you redeem well.
Stack Your Cards shows the math, not just the marketing headline.
“I thought my wallet was fine until Stack Your Cards showed how much value I was leaking on dining, travel, and unused credits.”
Placeholder testimonial
FAQ
Common questions
Is this free?
Yes. Stack Your Cards is completely free.
Do you need my card numbers?
No. You only select which cards you have.
How do you calculate rewards?
We model multipliers, portal rates, and point valuations to estimate the effective return on each purchase.
Is my data secure?
Yes. Guest mode is cookie-based, and you can use the app without creating an account.