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Stack Your Cards

Always use the right card. See effective return rates that factor in point valuations, portal multipliers, and transfer partners.

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Smart Checkout Advisor

NEW

The fastest way to pick the right card at the register

Search any merchant, enter your purchase amount, and instantly see every card in your wallet ranked by total savings — including category rewards, active card offers, and effective point values.

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Smart Checkout

Which card RIGHT NOW?

Enter a merchant and amount. Instantly see the best card factoring in rewards, active offers, and point valuations.

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Transaction Optimizer

Which card by category?

Select a spending category and see which card in your wallet gives the highest effective return rate.

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Portfolio Analyzer

How are my cards performing?

Enter your monthly spending and see annual rewards, net value after fees, and identify dead cards.

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Card Recommender

What cards should I get?

Based on your spending, discover which new cards would earn you the most incremental value.

💰 Why Effective Return Rates Matter

Most people think "3x points = 3% back." But that's wrong.

Chase Sapphire Reserve earns 10x on hotels booked via portal. Each point is worth 1.5¢ through the portal. That's 15% effective return — not 10%.

Amex Gold earns 4x on dining. Transfer to partners at 2.0¢/point = 8% effective return.

Stack Your Cards shows you the real value of every swipe.

👛 Build Your Wallet

Add your cards to get started