Overview / Description
CardStack is an AI credit card rewards tracker that connects to actual spending through Plaid and uses an LLM-backed agent ("Stack") to surface unused statement credits, expiring offers, and wrong-card swipes in real dollar terms. The pitch is concrete: premium-card holders leave roughly $500–$1,000 per year on the table in credits and missed offers, and CardStack closes that gap by auto-enrolling Amex and Chase offers, reminding users which card to use at checkout, and giving each card an annual ROI score against its fee. Coverage spans Amex, Chase, Capital One, Bilt, and other premium issuers, with Safari and Chrome extensions plus a free-tools section (Bilt rent calculator, points-vs-cash, annual-fee calculator, transfer bonuses, missed-rewards calculator). CardStack targets Amex Platinum / Chase Sapphire Reserve / Capital One Venture X power users who manage a multi-card wallet and are done tracking benefits in a spreadsheet.
Used For
Tracking statement credits, auto-enrolling Amex and Chase offers, and choosing the right card at checkout for premium card holders
Pricing
Pros & Cons
Pros
- Plaid integration uses real transactions, not manual entries, to detect wrong-card swipes and unused credits
- Auto-enrolls Amex Offers and Chase Offers so users don't miss merchant-funded statement credits
- Annual ROI per card sets the fee against actual claimed benefits, making renew/cancel decisions data-driven
- Safari + Chrome extensions surface the right-card recommendation at checkout in real time
- Coverage spans Amex, Chase, Capital One, Bilt, Citi, Barclays and other premium issuers
Cons
- Plaid bank linking is a hard requirement; users uncomfortable connecting accounts will not get the core value
- Most useful for premium-fee Amex/Chase/Capital One/Bilt holders — single-card-light users see less ROI lift
- Some auto-enrollment depends on issuer cooperation; coverage gaps for smaller card programs are possible
Questions & Answers
Alternatives
MaxRewards, AwardWallet, TPG App, NerdWallet, Kudos