Calculators and optimizers built for credit stackers. Plan your applications, track your APR deadlines, and maximize every card in your wallet.
Pick your cards from a 4,210-card catalog and get the best-card recommendation at checkout. Works without an account, on-device detection, no affiliate link hijacking.
ExtensionCalculate when your 0% APR promotional period ends. Track multiple cards and never miss a payment deadline.
CalculatorPlan your application sequence around Chase 5/24, Amex 2/90, and bank-specific cooling periods. 13 bank rules built in.
PlannerHonest, verified head-to-heads: StackEasy vs CardPointers, MaxRewards, and more, with where each tool genuinely wins.
ComparisonsThe top credit cards for groceries, dining, gas, and travel, ranked by rewards rate from our 2,246-card database.
Card FinderFind the best card combinations for your spending categories. Compare annual fee ROI and maximize points and cashback.
OptimizerGenerate FCRA-compliant dispute letters for late payments, collections, hard inquiries, charge-offs, and more. Metro 2 format, ready to mail.
Generator NEW12-question assessment that calculates your funding readiness across credit, business, and banking dimensions. Get a personalized Capital Blueprint.
Assessment NEWPer-card utilization breakdown, AZEO method optimizer, and exact paydown targets to hit 9% or less. Live calculations as you type.
Calculator NEWEnter your spending by category and see exactly when your premium card annual fee pays for itself. Month-by-month breakdown.
Calculator NEWSee what card to apply for next and the exact dates to downgrade, close, or call for a retention offer. Tracks 5/24, velocity, and annual fee timing in your browser.
Planner NEWPick a destination and see exactly how to book it with points, miles needed for economy or business, the best transfer partner, and which card earns it fastest.
Finder NEWEnter the points cost and cash price of any flight or hotel and instantly see if your redemption beats the typical value of your program.
CalculatorGet a personalized plan to earn enough points for your dream trip. 31 destinations, exact point costs, and a step-by-step card sequence.
PlannerCredit stacking works best with a 680+ score. If yours needs work, Dovly (free)
Sponsored: StackEasy may earn a commission when you click this link, when an application is approved, or when an account is opened. This does not affect our editorial judgment, and the partner has not reviewed this content.
uses AI to find and fix errors on your credit report automatically.Are StackEasy's credit tools free to use?
Yes. Every calculator and planner on this page, including the APR calculator, velocity calculator, and rewards optimizer, is a free credit stacking tool.
How many free tools are listed on this page?
This page lists 11 free calculators and planners for credit stacking strategy, plus the free Chrome extension, app comparisons, and the Travel for Free roadmap.
What should I do if my credit score is below 680?
Credit stacking works best with a 680+ score. If your score needs work, this page points to Dovly, a free tool that uses AI to find and fix errors on your credit report automatically.
Does the StackEasy Chrome extension require an account?
No. The StackEasy Chrome extension works without an account and uses on-device detection to recommend the best card at checkout from a 4,210-card catalog.