About Thiccstack

A spreadsheet I kept for my own card-bonus math, turned into a website. Free to use, no affiliate links, built solo.

Why it exists

Most card-comparison sites rank by raw bonus value or one-size-fits-all return on spend — and that often doesn't reflect which card is actually best for your situation. A 70% return on a $500 SUB isn't worth a hard pull when you're trying to maximize $10k/mo of spend. A high Year-1 value doesn't help if you can't hit the spend requirement in time, or if the some of the value is from redundant benefits you already own.

Thiccstack scores every card by what it'd actually pay you — not the marketing number on the issuer's page.

What goes into the Score

• SUB value, at your point valuations (travel, cashback, or custom)
• Ongoing year-1 benefits (Priority Pass, travel credits, dining credits, etc.)
• Redundant benefits subtracted — no double-counting Priority Pass if you already have it
• Annual fee net of credits you'd actually use
• Spend feasibility — can you hit the SUB on time given your monthly spend?

When you sign in and add your stack, it also accounts for:

• Chase 5/24 (opens in the last 24 months — auto-blocks Chase personals when over)
• Amex once-per-lifetime (e.g. you can't re-bonus the same Platinum)
• Sapphire OPL (only one Sapphire bonus, ever)
• Issuer cooldowns (don't apply 3 days after the last one)

How the math is shown

Every score is a receipt: click any card on the score table and you get the full breakdown — SUB value, ongoing benefits, redundancies subtracted, AF net of credits, eligibility multiplier, spend feasibility multiplier. No hidden formulas, no opaque "5-star" ratings. If you disagree with a number, you can see exactly which input to push back on.

What's next

Active development, built in the open. The issuer-rules engine is live — 5/24, Chase 2/30, BoA, Citi, Cap One, Discover, and Amex velocity, plus the family and cooldown rules. Point valuations are already yours to customize. Next up: real card art, more cards in the catalog, and an iCal export for your AF dates.

Found a bug, a missing rule, or a card I should add? Use the feedback link in the footer. For anything account- or privacy-related, email hello@thiccstack.com.

Built by Plausible, a fellow points nerd.