How can we help?

CardStack is an iOS app that helps you track premium credit card benefits, see earned vs. missed value from your spending, and decide whether a card is worth its annual fee.

You add the cards you carry; we surface credits, offers, and timelines so nothing slips through the cracks.

CardStack is built for iPhone and iPad (iOS). Install from the App Store for the full experience, including widgets and in-app subscriptions.

For the web, we offer Chrome and Safari extensions that help activate Amex and Chase offers while you shop. See all app features.

Yes. When you connect accounts, we use Plaid so we never see or store your bank login. Transaction data is used to power features like earned vs. missed rewards and is not sold.

Read more in our Privacy Policy.

No. CardStack is an informational tool for tracking benefits, credits, and rewards. It is not a bank, broker, or financial advisor. Benefit details can change anytime—always confirm with your card issuer before making decisions.

See Terms of Use (including “Not Financial Advice”) and our Privacy Policy.

Add cards from CardStack’s built-in card database so benefits and credits match the products you actually carry. You can update your portfolio as you open, upgrade, or product-change cards.

If something looks wrong (wrong product variant or benefits), remove the card and add the correct one, or contact support@cardstack.money with details.

On the free tier you can track credits yourself—mark when you have used a statement credit or perk.

With CardStack+, the app can connect to your accounts via Plaid and automatically detect qualifying transactions, updating credit status when your bank posts them—similar to what we describe on Auto-Mark Credits.

Automatic matching uses merchant names, categories, and amounts from linked transactions. Sometimes a charge codes differently than expected (for example, a restaurant billing under a parent company).

Use in-app flows to review or correct matches when we surface them. You can also adjust how merchants map to spend categories where the app allows it, so Best Card and spending views stay accurate.

If something still looks off, email support@cardstack.money with the card, benefit, and transaction date.

Reset rules depend on each issuer and benefit (calendar year, cardmember year, semiannual windows, etc.). CardStack tracks periods based on the benefit data we show for your card.

For the exact official rules, check your issuer’s terms. CardStack also sends reminders for expiring benefits and annual fee timing when you have notifications enabled.

The app can schedule reminders such as credits expiring soon, credits available summaries, annual fee timing, renewal advisor nudges, and (when applicable) free-trial reminders. Allow notifications in iOS Settings for CardStack if you want these.

You may also get a one-off reminder from Stack when you tap “Remind me” on a benefit.

Best Card compares the cards in your wallet using category bonuses, active context, and point valuations to estimate which card earns the highest value for a purchase or merchant.

Earn rates and suggestions are estimates for comparison, not a guarantee of how an issuer will post the transaction. See Best Card for more.

With linked accounts (CardStack+), CardStack can compare what you earned on each purchase with what the best card in your wallet might have earned using the same valuations—so you can see estimated “missed” value over time.

Details depend on transaction categories from Plaid; edge cases happen. Read more on Spending analysis.

Issuers and card networks use merchant category codes (MCCs) and descriptors that don’t always match how we think of a business (e.g. a café that codes as “bakery” or a charge that shows a parent company name).

CardStack maps Plaid transaction data into spend categories for Best Card and analysis. When the app lets you, you can correct a merchant or transaction category so future recommendations align with your real-world usage.

CardStack uses program-level valuations (for example, cents-per-point assumptions for major transferrable currencies) so Best Card and portfolio views can compare cards fairly.

Valuations are estimates—your actual redemption value depends on how you use points. Explore our points valuation chart and glossary: points valuation.

CardStack offers iOS Home Screen widgets such as points portfolio with valuations, expiring credits, fee-coverage-style summaries, and (where available) nearby merchant best-card hints—see Widgets.

Add widgets from the iOS widget gallery (long-press the Home Screen → + → search “CardStack”). Many widget layouts require CardStack+.

Widgets read data the main app shares in the background. Open CardStack and pull to refresh or navigate a bit so the app can rebuild shared data and tell iOS to reload widget timelines.

Confirm you are signed in, and for Pro-only widgets that you still have CardStack+. If a widget stays blank after that, try removing and re-adding it, then contact support with a screenshot.

CardStack+ is our premium subscription. It unlocks automatic tracking tied to your linked accounts—so you spend less time manually marking credits and more time using them.

It includes Plaid transaction sync, deeper spending analysis, widgets, extensions-backed offer workflows, and other plus-only features.

Yes. You can start with a free trial in the iOS app where offered, then subscribe through the App Store. You can cancel anytime in your Apple ID subscription settings before you are charged, per Apple’s rules.

If you subscribed in the iOS app, open Settings → Apple ID → Subscriptions, choose CardStack, and cancel there.

If you subscribed on cardstack.money with Stripe, use the subscription-management link in the web app to change or cancel your plan.

Sign in with the same Apple ID you used to subscribe, then open the app’s subscription or paywall screen and tap Restore Purchases. That syncs App Store entitlements back to the device.

If you subscribe via Stripe on the web, sign into the same CardStack account in the app; our servers merge web-billed Pro access with your account when you are signed in.

Apple: You completed checkout inside the iOS app or App Store; manage the subscription under Settings → Apple ID → Subscriptions.

Stripe / web: You subscribed on cardstack.money; manage it from the subscription-management link in your web account.

If CardStack+ works after sign-in but you are unsure which channel you used, check Apple’s subscription list first—if CardStack is not listed there, you are likely on Stripe.

App Store subscriptions are billed by Apple. Refund eligibility follows Apple’s policies; request help through Report a Problem or Apple Support.

Web (Stripe) subscriptions are managed through our web flow; refund requests follow Stripe processing and applicable law, as described in our Terms of Use.

CardStack uses Sign in with Apple on iOS. Use the same Apple ID on your devices to stay signed in.

If you are locked out or changed Apple IDs, contact support@cardstack.money and we will help verify your account.

Connection issues are usually temporary (institution maintenance) or due to outdated credentials. In the app, try disconnecting and reconnecting the institution, and confirm you are selecting the right account type.

If it keeps failing, email support@cardstack.money with your bank name and any error message you see—we can escalate with Plaid when needed.

Yes. You can add cards, track credits and perks, and use core features without connecting a bank.

Linking accounts through Plaid (with CardStack+) unlocks automatic transaction sync, spending analysis, and swipe-by-swipe earned vs. missed rewards.

Yes. Install CardStack on your iPhone and iPad and sign in with the same Apple ID / CardStack account. Your cards and synced data are tied to your account on our servers (for signed-in features), not trapped on a single device.

After switching devices, open the app once online so data and entitlements can refresh.

Offers often need to be added to the card in your issuer’s app or site before they appear everywhere. Our Auto-Add Offers extension for Chrome and Safari can enroll eligible Amex and Chase offers while you shop online.

Install the extension, complete sign-in / pairing if prompted, then browse supported merchant sites—allow a short sync delay before checking CardStack.

Same idea as Amex: offers must usually be activated on the Chase side first. Use the CardStack extension on secure.chase.com so eligible offers can be added while you are logged in.

Confirm you are on the correct Chase login, disable conflicting extensions if pages fail to load, then reopen CardStack after a few minutes.

The extensions help you activate eligible Amex and Chase offers while you shop in the browser and (when enabled) show contextual CardStack UI on supported sites.

Learn more: Auto-Add Offers and the full features list.

The extension loads narrow scripts on Amex and Chase domains you approve so it can interact with offer pages after you log in. It also talks to CardStack’s servers for sign-in and pairing.

Optional broader site access may be requested for features like the floating best-card / offer UI while you shop on other merchants—grant only if you want those features. You can change host permissions anytime in Chrome or Safari extension settings.

In the iOS app, open Settings → Manage Account, then use Delete account. You will be asked to confirm; this permanently deletes your CardStack account and associated data on our servers (cards, linked-bank metadata we store, extension pairing, chat history, etc.).

This cannot be undone. Subscriptions billed by Apple still need to be canceled in App Store settings separately if active.

We do not yet offer a self-serve “download my data” button in the app.

Email support@cardstack.money from the address on your account and describe what you need—we will help with reasonable data requests under applicable privacy rules.

We publish What’s New on this site with notable product updates.

Yes. Subscribe to CardStack Insiders for occasional product tips, credit-card strategy context, and launch news.

Email support@cardstack.money anytime.

For structured requests (topic, details, reply address), use our support form—we respond by email.