Question 1

How does the Card Stack Builder decide which cards to recommend?

Accepted Answer

It allocates your monthly spend across each card's reward categories to maximise net annual value — rewards plus benefits you'll actually use, minus annual fees. Category caps, minimum-spend gates, and points devaluation are all modelled. Cards are ranked by ongoing yearly yield, not by one-off welcome bonuses, and the builder only suggests a multi-card stack when it genuinely beats the best single card for your spend.

Question 2

Do you earn a commission, and does it bias the recommendations?

Accepted Answer

The 'Apply now' links may be affiliate links, but they have zero influence on which cards appear or how they're ranked. The optimizer only ever sees your spending pattern and each card's published terms — it has no knowledge of which cards pay a commission. We never reorder, upweight, or insert a card because of an affiliate relationship.

Question 3

How current is the card data?

Accepted Answer

Reward rates, fee caps, and salary thresholds reference each issuing bank's published terms and UAE Central Bank circulars, and are re-verified monthly. The 'Last verified' date in the Source data section shows the most recent audit. Discontinued and closed-to-new-applicant cards are excluded from new-stack recommendations.

Question 4

Why does the stack cap at five cards?

Accepted Answer

Beyond a couple of cards, each additional card adds diminishing reward value but real management overhead — more statements, due dates, and minimum spends to track. The optimizer applies a complexity penalty of AED 200/year per card beyond the second and stops at five, so it only adds a card when the extra rewards clearly outweigh the hassle.

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