Maximize your premium credit cards. Track credits, rewards, annual fees, and cashback offers automatically with CardStack.
CardStack helps you save $500+ every year on the credit cards you already carry. Maximize cashback and offers, never miss a statement credit, redeem your points at peak value, and let our AI agent do the heavy lifting — so your cards always pay you back more than they cost.
Stop leaving money on the table. Start with CardStack.
FEATURES:
- SAVE MORE WITH CARD-LINKED OFFERS
Automatically add Amex and Chase offers to your cards so you earn cashback and statement credits on purchases you're already making. Browse active offers, see personalized picks matched to your spending, and track every redemption — all in one place.
- NEVER MISS A STATEMENT CREDIT
Track every credit across all your cards automatically — dining, travel, streaming, airline, and more. See which credits are available, which are expiring soon, and which you've already used. Get reminders before you lose them.
- USE THE RIGHT CARD, EVERY TIME
Instantly see which card earns the most for dining, travel, groceries, gas, and every other category. Whether you're booking a flight or grabbing coffee, CardStack tells you the best card to pull out — so you never miss points or cashback.
- STACK AI AGENT — YOUR PERSONAL CARD ADVISOR
Meet Stack, a conversational AI agent that knows your entire card portfolio. Ask it anything:
"What's the best card for this hotel booking?"
"Am I missing any credits this month?"
"Compare my Sapphire Reserve vs. Platinum for a trip to Tokyo"
"How much value am I leaving on the table?"
Stack doesn't just answer — it takes action. It can mark credits as redeemed, set reminders, update your points balances, and generate weekly spending reports showing exactly where you earned and where you missed.
- SEE HOW MUCH YOU'RE EARNING (AND MISSING)
Connect your bank securely with Plaid and unlock full spending analysis:
See points earned vs. points missed on every transaction
Get your optimization score — what percentage of spend hit the best card
View breakdowns by category: flights, hotels, restaurants, groceries, and more
Get "Fix My Stack" recommendations showing exactly which card to swap in
- TRACK YOUR POINTS PORTFOLIO
Monitor balances across Amex Membership Rewards, Chase Ultimate Rewards, Capital One Miles, Citi ThankYou, and more. See estimated cash values, explore transfer partners, and know exactly what your points are worth.
- COVER YOUR ANNUAL FEES — OR CANCEL WITH CONFIDENCE
CardStack's Renewal Advisor calculates whether each card pays for itself based on your real usage. When your annual fee posts, get a clear verdict: keep, downgrade, or cancel — backed by data, not guesswork.
- SMART NOTIFICATIONS THAT SAVE YOU MONEY
Credits expiring soon
Annual fee renewal approaching
Offers about to expire
Missed optimization opportunities
AI-generated insights based on your spending
- CARDSTACK+ UNLOCKS THE FULL SYSTEM
Upgrade to unlock powerful automation and intelligence:
Stack AI Agent with full conversation history
Secure bank sync with Plaid for automatic transaction analysis
Auto-detect statement credits from your transactions
Earned vs. missed rewards analysis across every purchase
Safari extension that shows the best card while you shop
Automatically add Amex & Chase offers
Weekly AI spending reports and optimization scores
Personalized "Fix My Stack" recommendations
Sync across all your devices
YOUR CARDS ARE COSTING YOU — OR PAYING YOU. KNOW WHICH.
CardStack turns your credit cards into a money-saving system. Every credit tracked. Every offer captured. Every purchase optimized.
Download CardStack and start saving.
Terms of Use (EULA):
https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
I’m so happy to have found out about CardStack. It’s saved me so much manual effort from documenting on a spreadsheet and tracking benefits across a dozen cards. And I now have a tool to tell me which card to use for certain transactions so I don’t leave points on the table. Truly a fantastic tool!
Developer Response
Thank you! Appreciate all the feedback and support!
Amazing Idea!
shoesjob
While I’ve built similar trackers before, none of them beat the ease of CardStack and its features. The team is engaged & responsive to feedback, which is a huge consideration when choosing any financial app.
Love it
Aaa.2017
Very convenient and user-friendly interface. The app is easy to use and exactly what I’ve been looking for for a long time. Really happy I found it!
Great app
pnrgoal
This app is awesome! I finally can see all my credit cards benefits in one place and can track which one hasn’t been used.
Developer Response
Thanks for being a CardStack member!
This update makes CardStack faster to set up, better at tracking your credits, and more reliable day to day.
• Redesigned onboarding
A faster, more personal first run that shows the credits and rewards you may be not be redeeming, with questions tailored to the cards in your wallet.
• Stay signed in
Fixed the issue that could unexpectedly sign you out or show “Session Expired.” Active users should now stay signed in.
• Smarter bank connections
The Linked Accounts screen is cleaner, connection issues are easier to spot, and you can reconnect or add accounts with one tap without creating duplicates.
• Better credit tracking
A new “Left to Use” section shows credits you’ve only partially used. Dollar-based credits, like Equinox and Uber One, now count toward their full annual cap. Auto-tracking is also more accurate, and duplicate annual-fee reminders are fixed.
• More cards and refreshed benefits
Added cards from Wells Fargo, U.S. Bank, TD, Target, PayPal, Mission Lane, Crate & Barrel, and CB2. Also refreshed Chase Sapphire Preferred for 2026 and corrected benefits and fees on several existing cards.
• More polished design
Refreshed alerts and badges, new glass toolbars, and a redesigned connection detail screen.
• Improved browser extension
Better rewards estimates and more polished Amex and Chase offer widgets.
Bug fixes and performance improvements
Version 1.4.2
The developer, SPACE ROBOTS INC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Location
Contact Info
Identifiers
Usage Data
Diagnostics
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
SPACE ROBOTS INC
Size
134.3 MB
Category
Finance
Compatibility
Requires iOS 17.0 or later.
iPhone Requires iOS 17.0 or later.
iPad Requires iPadOS 17.0 or later.
Mac Requires macOS 14.0 or later and a Mac with Apple M1 chip or later.