Yeah I don't use Stack as my daily card. I only use it for offers and foreign exchange purchases.theflyingsquirrel wrote: ↑ So why do you like and not like about it? For me, I only use it when there are offers. I am not sure anyone will use this as a daily card.
I could apply for a 0% fx credit card and get points but this requires a hard credit inquiry and this is going to lower my average credit age on my credit report. So I just use Stack for foreign exchange.
I use KOHO as my daily card because I still get 0.5% cashback even though it's prepaid and I can cashout my cashback instantly (unlike TD, where I have to wait until I get $25 cashback). I'm also more comfortable with prepaid than giving out my real credit card information. KOHO allows you to use disposable virtual card numbers for online payments. Less hassle this way if your card gets compromised online.
I hate that there is a $50 load minimum with Stack because I rarely use it. I used to use my card for at least 3 forex transactions every 2 months - 1 every 2 months for renewing my web hosting, 1 every month for an online subscription. But then I found out I could pay with Google Play CAD for that online subscription through their app, which is actually cheaper than the forex rate. So I literally only use my Stack card for 1 forex transaction every 2 months + offers. And maybe additional forex transactions now and then.