CardStack Guides
Use the credits you already paid for
Premium cards come with monthly credits that expire and annual fees that renew every year. These guides help you track what is left, decide if a card is worth keeping, and pick the right one when you pay.
If one of these sounds like you, start there
Start here
Stop forgetting credits
That Uber credit reset again. List every credit with the date it expires so nothing slips through.
Read guide
Start here
Is my annual fee worth it?
You paid the annual fee. Did the credits you actually use cover it?
Read guide
CardStack
MaxRewardsStart here
CardStack vs MaxRewards
Need credit tracking and fee math, or automatic offer activation on every issuer? Different apps, different jobs.
Read guide
Start here
Which card should I use?
Groceries might earn 4x on one card and 1x on another. Check before you tap.
Read guideMore on credits, picking cards, and earning more points
Statement credits
You paid for Uber cash, Resy, and airline credits. Use them before they reset.
Credit guidesWhich card should I get?
Platinum vs Sapphire Reserve. Gold vs Preferred. Fees and credits side by side.
Compare cardsUse the right card at checkout
Groceries might be 4x on one card and 1x on another. Same purchase, different return.
Earn moreWhen your annual fee is about to renew
When credits reset, whether the fee paid for itself, and whether to cancel.
When Do Credit Card Credits Reset? Complete Calendar for 2026 (Amex, Chase, Capital One)
Complete reset calendar for statement credits across major issuers. Know exactly when your credits renew so you never miss a deadline.
How to Calculate Your Effective Annual Fee (With Real Examples)
Your real annual fee = listed fee minus credits used. Learn the formula and see it applied to 10 popular premium cards.
Should You Keep or Cancel Your Credit Card? A Decision Framework
A step-by-step framework to decide if a card's annual fee is worth paying. Includes a checklist you can use for every card, every year.
Credits keep expiring before you use them
Or the annual fee stopped feeling worth it. Or you have more premium cards than you can keep straight.
I don't want to link my bank account
You can still add your cards and track credits yourself.
You carry a Platinum, Sapphire Reserve, or Venture X
Every credit on the card, when it resets, and how much you have left.
Which card earns the most for this purchase?
How to add offers, track credits, and pick a card at checkout
The long way and the faster way for each.
How-to
Automatically add Amex offers
Batch enrollment on americanexpress.com.
How-to
Automatically add Chase offers
Batch enrollment on Chase Offers pages.
How-to
Track Amex benefits automatically
Spreadsheet tracking vs CardStack credit dashboard.
How-to
Auto-detect statement credits
Statement line matching vs Plaid auto-detection.
How-to
Credit expiration alerts
Calendar reminders vs CardStack push notifications.
How-to
Know which card to use
Category memory vs CardStack Best Card at checkout.
How-to
Rewards earned vs missed
See what you lost from using the wrong card.
How-to
Track annual fee ROI
Spreadsheet fee math vs net fee offset in CardStack.
Which app should you use?
CardStack, MaxRewards, and AwardWallet compared if you are shopping for a credit tracker.
