Tap play. Hear the 60-second pitch. Then lock in Lifetime Gold for $500 before the counter hits zero.
Perkstacker tells you the optimal combo of credit card + cashback app + loyalty program for every purchase — so you never leave money on the table.
Turn every purchase into a mini-optimization problem — and let AI solve it for you.
Tell us what you're buying — we build the optimal combo of cards, apps & loyalty programs.
60+ preset brands for restaurants, gas, hotels & retail — all in one wallet.
Claude Sonnet 4.5 pings you at the perfect moment to redeem free food or fuel.
Snap a receipt — auto-categorize for Schedule C / W-2 travel deductions.
Real-time fuel prices + your Fuel Rewards + Upside cashback stacked automatically.
40+ top cards preloaded — we know Amex Gold earns 4x on groceries, Chase CSR 3x on dining.
GPS-tracked business miles + IRS per-diem lookup for hassle-free 1099 deductions.
Meal-time nudges keep you checking rewards before you swipe — build a savings habit.
Tap a scenario or type your own. Claude Sonnet 4.5 finds the optimal card + app + coupon combo in real time.
Add the credit cards you carry and cashback apps you use (Upside, Ibotta, Fetch, Rakuten). We remember them — you don't have to.
Gas, groceries, coffee, hotel, flight — pick a category, enter the amount, optionally add merchant + trip context.
Claude Sonnet 4.5 returns a step-by-step plan showing which portal → coupon → card → loyalty → cashback app to use, with estimated savings.
Start free forever. Upgrade only when you outgrow the limits.
"Finally an app that tells me which card + which app to use — I saved $47 on a single Costco run."
Perkstacker is your all-in-one wallet for loyalty programs, credit-card rewards, and cashback apps. Our AI Stack Planner tells you the optimal combo of card + app + loyalty program to use for each purchase — so you never leave money on the table.
Never. Perkstacker only stores which cards you carry (e.g., "Amex Gold") — we never ask for card numbers, CVVs, or expiration dates. All actual payments happen through your normal wallet or checkout.
Tell us what you're buying (e.g., $40 gas at Shell). We look at the credit cards + cashback apps + loyalty programs in your wallet, ask Claude Sonnet 4.5 to compute the optimal order of operations, and return step-by-step instructions with estimated total savings.
Your data is encrypted in transit and at rest, tied only to your account, and never sold to third parties. Perkstacker is subscription-funded — Free users see a small banner promoting our own paid tiers, which is the only "monetization" on Bronze. You can delete your account and all data anytime.
Yes. Cancel any time in Profile → Manage subscription. You keep access until the current billing period ends. See our refund policy for prorated refund rules.
Perkstacker is a native mobile app for iOS and Android, built with Expo. A web version is coming soon.
Download Perkstacker free — takes 60 seconds to get your first AI-powered stacking plan.