Card Stack Optimizer

About Card Stack Optimizer

Last updated: October 2, 2026

Card Stack Optimizer is a free educational resource that shows what credit cards return in dollars. It is written for adults with good credit who already pay their cards in full each month and want a clear way to match two or three cards to the spending they already do. Its idea is that every card needs a job.

What we publish

Worked examples, comparisons, and a free calculator. Each guide anchors to a specific dollar figure and shows the math behind it: which cards fit a sample household's spending, what each returns, and what it costs to get it. A companion YouTube channel carries the same material in video form. The site and channel are faceless by design, because the proof is in the rates, tables, and math.

How we source it

Every earning rate, fee, and credit comes from the issuer's own published terms, linked at the bottom of each guide. Point values come from The Points Guy's monthly valuations, named and dated. Where an issuer's rule is not published, such as Chase's 5/24 rule, the page says so and names what the reporting is based on. Each guide shows when its card terms were last checked. See how the numbers are made.

What we do not do

We do not promise approvals, credit limits, welcome bonuses, or results. We do not sell credit repair or promise to change anyone's credit score. We do not coach breaking an issuer's terms. We use labeled sample households, never personal results. We do not provide personalized financial, legal, or tax advice, and nothing here replaces advice from a qualified professional who knows your situation.

Some pages may link to credit cards through affiliate links. If you are approved for a card through one, Card Stack Optimizer may earn a commission at no cost to you. Pages with affiliate links say so at the top. We do not rank cards by commission, and the math is the same whether or not a link is present. See the disclaimer for details.

Operated by LGJ Enterprises LLC.

Contact

Questions, corrections, and reports of outdated terms are welcome. See the contact page.

Next steps

  • 01Credit card rewards strategy: how to build a card stack

    Give each card one job: a Category Earner, a Travel Earner, and a Catch-All. See the roles, the math, the order to apply in, and the upkeep.

  • 02How the numbers are made

    Where every rate, fee, and point value comes from, why this site values points at 1.8 cents, how sample households work, and how often terms are re-checked.

  • 03Contact

    Contact Card Stack Optimizer with questions, corrections, or reports of outdated card terms. Email only; we cannot give personal advice.