Disclaimer and affiliate disclosure

Card Stack Optimizer provides educational content only. It is not personalized financial, legal, tax, or credit advice, and it does not create a professional relationship between you and us. Results vary, and approvals, credit limits, welcome bonuses, point values, and outcomes are never guaranteed.

No advice

Information on this site is general. It does not take into account your finances, credit history, or circumstances. Before applying for a card, paying an annual fee, or making decisions about credit, taxes, or debt, consult a qualified professional who knows your situation.

No guarantees

Approval, credit limits, and welcome offers are each issuer's decision, made under its own criteria, which can change without notice. Point values are estimates, and the value of a point depends on how and when you redeem it. The strategies on this site only work when every balance is paid in full each month. Interest costs more than rewards earn.

Sample households

Worked examples use labeled sample households. They show how the math works and are not personal results or predictions of what you will earn.

Accuracy and changes

We build guides from issuer pages and other sources linked at the bottom of each page, and we show when card terms were last checked. Fees, earning rates, credits, transfer ratios, and welcome offers change often. Information may be out of date by the time you read it. Confirm current terms directly with the issuer before you apply. If you find something outdated or wrong, please tell us through the contact page.

Third parties

Card Stack Optimizer is not affiliated with, endorsed by, or sponsored by any card issuer, bank, loyalty program, credit bureau, or The Points Guy. Company and product names belong to their owners. Naming a card or program is not an endorsement or a promise that you will be approved for it.

Affiliate disclosure

Some links on this site may be affiliate links. If you are approved for a card through one, Card Stack Optimizer may earn a commission at no cost to you. A page that contains affiliate links says so at the top. Affiliate relationships do not change the information we publish, we do not rank cards by commission, and we do not accept payment to describe a card's terms a certain way. We never post affiliate or referral links in community forums.

Links to other sites

This site links to external websites we do not control. We are not responsible for their content, terms, or privacy practices.