Terms

Thiccstack is a free tool that helps you compare credit cards and decide what to apply for next. It's information, not financial advice — always double-check the details with the card issuer before you apply. I do my best to keep the data accurate, but I can't promise it's perfect, and I'm not responsible for your financial decisions.

What it is

Thiccstack scores credit cards based on your situation and valuations, to help you decide which card to consider next. The Score is a sorting aid — it ranks options for you. It doesn't predict whether a bank will approve you, and it isn't a guarantee of any outcome.

Who can use it

You must be 18 or older. Thiccstack is meant for people in the United States.

Not financial advice

Thiccstack is for informational and educational purposes only. It isn't financial, tax, or legal advice, and nothing here is a recommendation or solicitation to apply for any particular card. The scores are estimates based on the information you give and the data I have — they aren't tailored to your full financial situation. Card terms, fees, bonuses, and rules change often, and the data may be out of date or wrong, so always verify with the issuer before you apply. Thiccstack isn't affiliated with, endorsed by, or sponsored by any card issuer. Any decision you make is your own, and you use Thiccstack at your own risk.

No affiliate links; honest rankings

I don't use affiliate links. Some cards show a referral link — whoever shared it earns a sign-up bonus if you're approved (sometimes that's me). These are always labeled, and the direct issuer link is always shown too. Referral links never affect a card's Score or where it ranks — the engine ranks by what pays you, not by referrals.

Fair use

Thiccstack is for your personal use. Please don't scrape or bulk-download the catalog, or try to disrupt or reverse-engineer the service.

No warranty

Thiccstack is provided "as is" and "as available," without warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. I do not warrant that the information is accurate, complete, or current, or that the service will be uninterrupted or error-free.

Limitation of liability

To the fullest extent permitted by law, Thiccstack and its operator will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of points, miles, rewards, sign-up bonuses, or profits, arising from your use of (or inability to use) the service. Total liability for any claim will not exceed the greater of (a) the amounts you paid in the 12 months before the claim (which, for a free service, is $0), or (b) US $100. This limitation applies to all claims, whether based in contract, warranty, strict liability, or negligence (including the operator's own negligence), to the fullest extent permitted by Texas law. Nothing here limits liability that can't be limited under law, including for fraud, gross negligence, or willful misconduct.

Ending your use

You can stop using Thiccstack and delete your account anytime. I may suspend or end access if the service is misused. What happens to your data when you delete your account is covered in the Privacy Policy.

Governing law

These terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules.

I may update these terms; I'll change the date when I do, and continuing to use Thiccstack means you accept the update. Questions? Email hello@thiccstack.com. Last updated June 18, 2026.