Disclaimer, privacy & terms

Milestacker is a visualisation tool, not financial advice. It estimates outcomes using assumed online/in-store spend splits and publicly reported card rules, which change often and aren't independently verified against your actual statements.

Nothing here is guaranteed. Miles figures are rough estimates, card terms move, and bonus caps, minimum-spend gates and eligibility can differ from what's modelled. Always confirm the current terms with your bank before applying or relying on any number. Use at your own discretion and risk.

Milestacker collects no personal data and has no accounts. Everything you enter — your income band, the cards you hold and your monthly spend — stays in your own browser via local storage and is never sent to a server. Clearing your browser data or clicking "Start over" removes it.

The site uses privacy-friendly, cookieless analytics (Umami) to count aggregate visits and which cards get clicked. It does not identify you, set tracking cookies, or build a profile. Outbound "Apply now" links go to the respective banks, whose own privacy policies then apply.

Milestacker is provided free, as-is, with no warranty of accuracy, completeness or fitness for any purpose. Card data may be inaccurate or out of date; verify with the bank before acting on it.

Milestacker is an independent tool and is not affiliated with, endorsed by, or sponsored by any bank, card issuer or airline. Card and programme names belong to their respective owners. By using the site you accept that any decisions you make are your own responsibility.

Spotted a wrong rate, a missing card, or a bug? I'd genuinely like to hear it — email me.