Terms of Service

Last updated: July 24, 2026

Not financial advice

PointStacker is an informational tool for comparing publicly available credit card terms, rewards rates, and transfer ratios. Point values, redemption estimates, and “net annual value” figures are estimates based on published rates and typical redemption patterns — they are not guarantees, and they are not financial, credit, or investment advice. Always confirm current terms directly with the card issuer before applying.

Free trial

New accounts include a 7-day free trial with full feature access and no credit card required. When the trial period ends, access hard-stops automatically until you upgrade to Pro — we do not charge any payment method automatically at the end of a trial.

Pro subscription

Pro subscriptions are billed monthly or annually through Stripe. You can cancel at any time from your Stripe receipt or by contacting support; you'll retain access through the end of the billing period already paid for. Annual subscriptions include a 7-day money-back guarantee from the date of purchase.

Account data

As described in our Privacy Policy, account and wallet data are currently stored locally on your device rather than on a PointStacker server. You are responsible for keeping access to the device/browser you signed up with until server-backed sync is available.

Acceptable use

Don't use PointStacker to scrape, resell, or redistribute the card database, or to misrepresent card terms to others. The card and transfer-partner data is provided “as is” and may lag real-world changes made by issuers.

Limitation of liability

PointStacker is provided “as is” without warranties of any kind. We are not liable for financial decisions made using estimates shown in the app, including annual fee comparisons, welcome offer valuations, or transfer partner sweet spots.

Contact

Questions about these terms: [email protected]