Find your optimal cashback credit card configuration
1. SpendingQuestionnaire or statement upload
2. Credit ScoreWhat you qualify for
3. Current CardsWhat you carry today
4. Your StackOptimized vs. current
How do you spend?
Pick whichever is easier — both build the same spending profile.
📝 Take the questionnaire11–14 quick questions, one at a time. Rough estimates are fine.⏱ About 2 minutes
📄 Upload statement(s)CSV or PDF — include a statement from each card you use today.⏱ About 30 seconds per statement
Drop statement CSVs or PDFs here or click to browse — you can add several, one per card Works with CSV exports and downloadable PDF statements (Amex, Chase, etc.). Everything is processed entirely in your browser — nothing is uploaded anywhere.
Combined totals across all statements, converted to monthly averages. Switch to the questionnaire to review or fine-tune any category.
Your credit score
We only show cards you're likely to qualify for. Approval is never guaranteed by score alone.
720
Good
Stack preferences
Which cashback cards do you use today?
We'll compare your current setup to the optimized stack so you can see exactly what you're leaving on the table. Skip if you're starting fresh.
⚠️ Rates shown are from our June 2026 reference data and may differ from the rate you were given when you signed up (issuers change terms, run promos, and grandfather old rates). Please verify each rate against your cardmember agreement and edit any that don't match.
🗑️ Declined cards
Keep this stack optimal automatically.Stack Premium watches for better cards, rotating-category changes, and bonus caps — and re-optimizes as your spending shifts.
Free vs. Premium
Finding your optimal stack is always free. Premium keeps it optimal over time.
Free
$0
Everything you need to find & apply for your best cards.
Premium ✦
~$7/mo
Ongoing monitoring, alerts & auto re-optimization.
Premium isn't live yet — this is a beta. Tap "Notify me" to register interest.
Send feedback
You're testing an early beta — tell us what worked, what didn't, and what's missing.