CardStack+
An AI Agent That Actually Does the Work
Ask anything. Get answers that move money.
From “which card should I use at Whole Foods?” to “book me to Tokyo in business” — Stack plans trips, tracks goals, and takes action on your behalf.
Part of CardStack+ — start with a free trial.
Available on
What Stack does for you
- Stops leaving money on the table. Every month, your cards quietly earn less than they could — missed credits, wrong card at checkout, offers you didn't activate, points sitting idle. Stack catches it all.
- Thinks before you ask. Stack surfaces proactive insights the moment something changes — a new Amex offer that matches your weekly grocery run, a points balance projection, an annual fee that's not paying for itself yet.
- Takes real action. Stack doesn't just suggest — it executes. Mark a credit as used, update your points balance, schedule a reminder, track a sign-up bonus — all in one tap from chat.
- Remembers everything. Your conversations persist. Pick up where you left off. Stack learns what you actually care about.
Capabilities
🧠 Knows your wallet inside out
- Every card, credit, benefit, and annual fee
- Live spending across all connected accounts
- Points and miles across every program
- Transfer partners and sweet-spot redemptions
- Your sign-up bonus progress in real time
- Active Amex Offers, Chase Offers, and bank promos
💬 Answers anything
- “Which card should I use at Whole Foods?”
- “Am I on track to earn my Sapphire sign-up bonus?”
- “Should I keep my Amex Platinum?”
- “Find me business class to Tokyo — cash or points?”
- “What credits am I missing this month?”
✈️ Plans your trips
- Searches real flight prices across airlines
- Compares cash vs. points side-by-side
- Surfaces transfer partner sweet spots (Virgin Atlantic 42k to London, ANA for Tokyo)
- Calculates cents-per-point value for every option
- Recommends the right program to transfer from
🎯 Proactive insights
- Wrong card alerts — “You missed $4.27 at Whole Foods. Blue Cash earns 6x.”
- Fee coverage — “You've used $380 of your $695 Platinum fee in credits.”
- Offer matches — “New Amex offer at Uber matches your weekly rides.”
- Points projections — “At this pace, you'll hit 100k UR by August.”
- Optimization opportunities — “Moving groceries to Blue Cash earns $12/mo more.”
- Trip opportunities — “Your 85k MR unlocks J-class to Tokyo via ANA.”
- Sub bonus progress — “You're $1,200 from your Sapphire SUB, 47 days left.”
⚡ Takes action for you
- Mark credits redeemed with a tap
- Update points balances when you transfer or redeem
- Schedule reminders (“remind me to use my dining credit Friday”)
- Track sign-up bonus progress against your spend
- Dismiss insights you don't care about
📊 Weekly reports
- Personalized performance recap
- Action items you can knock out in minutes
- Cards that earned you the most
- Credits you still need to use
🔔 Never misses a beat
- Notifications when credits are about to expire
- Alerts when an annual fee hits
- Proactive pings when a high-value opportunity appears
- Smart reminders that deep-link to the exact screen
🎨 Built for the way you think
- Rich comparison cards (flights, hotels, redemptions)
- Evidence chips that open the underlying card/credit/offer
- Voice input when typing is too slow
- Full conversation history, searchable
- Context-aware — opens with the right mindset for where you are in the app
Why it matters
Most people leave $500–$2,000 a year on the table from their cards. Missed credits. Suboptimal earn rates. Forgotten offers. Unused transfer bonuses.
Stack is the agent that quietly closes that gap — every day, without you having to think about it.
Stop managing your cards. Let Stack do it.