THE STAXXREWARDS QUIZ

Build a practical rewards stack around how you spend.

Answer a short set of questions about repayment, eligible spending, goals and practical limits. We’ll show an illustrative starter stack, what each card would do, and how the estimated ongoing value is calculated.

Build my starter stack

See how it works

Taking this quiz does not affect your credit score · Applying for a credit card may result in a hard inquiry. No card numbers required

YOUR CALCULATED ESTIMATE

Shown after the quiz

Annual spending used

From your inputs

Gross rewards

Calculated

Fees and credits

Explained

Net ongoing value

Auditable

Three questions. That’s the whole quiz.

Choose a rewards goal to see an example card combination.

Three questions. That’s the whole quiz.

Choose a rewards goal to see an example card combination.

QUESTION 1 OF 3

What do you want your rewards to do for you?

Choose the outcome that matters most right now. You can still use a mix of rewards when the stack calls for it.

Continue

Takes about 2 minutes · No personal info required.

QUESTION 1 OF 3

What do you want your rewards to do for you?

Choose the outcome that matters most right now. You can still use a mix of rewards when the stack calls for it.

Continue

Takes about 2 minutes · No personal info required.

Here’s what you’ll get. A plan, not a list.

Your result shows annual spending, gross rewards, fees, confirmed credits, net value, each card’s contribution, important caps and the assumptions behind the estimate.

YOUR STACK

Travel Rewards

Example Result

Worth about $2,140 a year,
based on your spending

Card A

Primary

Earns where your money already goes.

Card B

SECONDARY

Turns points into flights and hotel stays.

Card C

TERTIARY

A flat rate on everything else.

WHY THIS STACK WORKS

Your figure is calculated from your own answers. Example shown for illustration.

A plan you can audit, not a list of offers.

Your result shows annual spending, gross rewards, fees, confirmed credits, net value, each card’s contribution, important caps and the assumptions behind the estimate.

A plan you can audit, not a list of offers.

Your result shows annual spending, gross rewards, fees, confirmed credits, net value, each card’s contribution, important caps and the assumptions behind the estimate.

1

Primary

Core.

The core recommendation for your stated goal, eligible spending and practical limits.

2

Supporting

Focused value.

Included only when focused extra value justifies the cost and complexity.

3

Supporting

Broader coverage.

Included only when it improves eligible spending not already covered.

1

Primary

Core.

The core recommendation for your stated goal, eligible spending and practical limits.

2

Supporting

Focused value.

Included only when focused extra value justifies the cost and complexity.

3

Supporting

Broader coverage.

Included only when it improves eligible spending not already covered.

A one-card or two-card result is valid. More cards are not automatically better.

The big sites give you ten options.

We give you a clear stack.

Comparison sites are useful if you enjoy researching every option. StaxxRewards turns your answers into a simple stack, with a clear role for each card and an estimate you can understand.

We will show you up to three cards, the role each one plays, and the estimated rewards value - without making you sort through a long list.

Find my stack

Cash back

Travel

premium

This stack runs on autopilot

Published rewards and eligible spending

Fees, usable credits, caps, and exclusions

Redemption-value assumptions

THE STAXX METHOD

A clear process behind every stack.

StaxxRewards turns a few simple answers into a practical card stack. We look at how you spend and what you want from rewards, give each card a clear role and show the estimate and assumptions in plain English.

The five steps are:

1

Tell us how you spend

Start with your real monthly spending and rewards goal.

2

Analyze goals and spending categories

Compare that information with current reward rates, fees, caps and relevant terms.

3

Build a simple card stack

Use up to three cards, with a clear job for each one.

4

Explain the value and assumptions

Show the estimated annual value and where it comes from.

5

Keep the system current

Review published terms and use the optional Sunday Brief to explain meaningful changes.

About StaxxRewards →

Methodology →

How we make money →

From the guides. Read before you apply.

All guides →

5 MIN READ

Cash Back

Cash Back Categories, Caps and Merchant Coding

Cash back can look simple until a purchase earns less than expected. Learn how merchant classification, category caps, activation rules and base rates affect the result.

A shopper taps a credit card on a payment terminal.

Read the guide →

6 MIN READ

Credit Card Basics

How to Build a Simple Credit Card Stack

A useful credit-card stack is not a collection. It is a small system in which each card has one clear job, the fees fit the household’s real spending, and the setup remains easy to use.

Two hands hold generic colorful payment cards against a blue background.

Read the guide →

7 MIN READ

Travel Rewards

Google Flights: Find a Better Fare

Compare dates, airports, stops, baggage and booking options so a lower fare does not turn into a worse trip.

A plain airplane wing above scattered clouds and deep blue sky.

Read the guide →

One email. Every Sunday morning.

What changed this week, which card to use for what, and one thing worth doing before next Sunday. Read it in three minutes or skip it. No daily blasts and no countdown timers.

If you want it, you can subscribe after the quiz. Joining the Sunday Brief is optional and separate from seeing or emailing your result.

We use your email for the Sunday brief only. No spam, ever.

What we don’t do. And what we do instead.

What we don’t do. And what we do instead.

1

No “Top 10” lists

We build systems, not lists.

2

No FOMO offers

We recommend what’s right for you, not what expires Friday.

3

No risky card-cycling tricks

Your credit health comes first.

4

No carrying balances

That’s how banks make money, not you.

5

No hidden incentives

You don’t pay us. The banks do.

6

No complexity

A simple system you’ll actually run.

How we make money. Honest by design.

Some links may earn StaxxRewards a referral fee if you use them. You do not pay extra for using those links. Compensation may affect which offers appear, but it does not guarantee that a card is right for you. Always review the issuer’s current terms before applying.

How we make money. Honest by design.

Some links may earn StaxxRewards a referral fee if you use them. You do not pay extra for using those links. Compensation may affect which offers appear, but it does not guarantee that a card is right for you. Always review the issuer’s current terms before applying.

Read the full disclosure →

Things to know before you start.

01

Will the quiz affect my credit score?

No. We never ask for your credit score or card numbers, only how you spend.

02

Is it really free?

Yes. The bank pays us a referral fee if you apply through our links. You pay nothing extra.

03

What do you do with my email address?

Send you the Sunday brief. Nothing else. Unsubscribe in one click, anytime.

04

What if I already have good cards?

Then we’ll tell you. Sometimes the right plan is “keep what you have and use it better” and the quiz will say so.

05

How often will I hear from you?

Once a week, Sunday morning. That’s it.

Staxx

Staxx

Staxx

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Staxx

Stop guessing which card to use. Your stack starts here.

Three questions. Two minutes. Your plan, and its dollar value.

Find my stack

Free · No credit check · The bank pays us, not you.