Stack Prepaid Mastercard Review



Annual Fee


Annual Rewards


Intro Offer


Annual fee


Annual rewards


Intro offer


  • No annual fee
  • No foreign transaction fees
  • Real-time notifications for transactions
  • Mobile app for easy account management
  • Offers promotions and rewards with select merchants
  • FDIC insured


  • Not a traditional credit card; no credit building potential
  • No significant travel perks or insurance benefits
  • Requires immediate pre-loading of funds for use
  • Limited to specific merchants for rewards and promotions
  • No cash-back or points system for general purchases

Performance test results

At DollarWise, for each credit card we test 7 different factors including the rewards, value for money, perks, insurance, strengths and weaknesses of the card.

You can see our full testing methodology here to learn why we’re the most trusted source for credit card reviews.

The Stack Prepaid Mastercard has earned a 5.00 DollarWise Rating out of 5. This score is based on a weighted average of the two highest scoring factors (excluding acceptance and approval).




Interest rates




The highest scoring categories for the Stack Prepaid Mastercard are fees and interest.

These factors are weighted 70% to the highest scoring factor and 30% to the second highest score to get an overall review score.

This weighting allows us to judge cards on their merits and the customers they are designed for.

For the Stack Prepaid Mastercard the most important factors for scoring this card are its fees and interest.


With the Stack Prepaid Mastercard, here’s the rates at which you earn rewards for different spending categories per dollar you spend:

Calculating your annual rewards

We estimate that spending $2,000 per month with the Stack Prepaid Mastercard would earn $0 in rewards over the year.

Our performance testing research uses an accurate estimation of the average Canadian households spending patterns to predict the rewards a card will earn.

We found that you’d earn this per category:

Our study investigating the value found that each dollar spent on the Stack Prepaid Mastercard is worth up to $0.00, depending on how you redeem.

This $0 in rewards value puts the Stack Prepaid Mastercard in the bottom 20% of credit cards in Canada based on rewards earned.

The average credit card in our database earns $337 in rewards for the same spend that the Stack Prepaid Mastercard earns $0 in rewards value.

We can compare this card to other options by looking at the earn rate by category.

This earn rate is the percentage return that you would get when you spend on this card, assuming you redeem at the predicted maximum value.

For example, if a card earned 5 points per dollar on gas and each point is worth up to $0.02, then the earn rate is 5 points multiplied by $0.02 each, divided by the dollar you spent.

In this example, that’s a 10% earn rate on gas.

Above, we’ve calculated the earn rate for the Stack Prepaid Mastercard for every spend category and compared it to the average for all Canadian credit cards.

For an annual spend of $24,000, we estimated annual rewards value at up to $0.

That’s equivalent to a 0.00% return on spending.

The Stack Prepaid Mastercard has an annual fee of $0. After deducting this, we predicted net annual rewards of $0.

This puts it in the bottom 20% of credit cards for net rewards after fees.

In comparison, the average card earns net annual rewards of $254.


The Stack Prepaid Mastercard has a $0 annual fee.

The average card charges $85. So, the Stack Prepaid Mastercard is in the bottom 50% of cards based on the cost of the annual fee.


We manually review the perks of each credit card to determine how they compare to other cards.

The Stack Prepaid Mastercard scored a 0.0 out of 5 for perks, putting it in the bottom 0% of cards.

The average card scores 1.6 out of 5 for perks.

Interest Rates

Cash AdvanceN/A%
Balance TransferN/A%

The average (median) credit card has a purchase interest rate of 19.99% and so the Stack Prepaid Mastercard charges 19.99% less than the average.

For cash advances it costs N/A% compared to the average of 19.96%.

Testing the Stack Prepaid Mastercard with a $2,000 starting balance, you can see in the graph how the 19.99% less in interest rates impacts the interest over a year, compared to the average card.

Insurance coverage

We scored it 0.0 out of 5 for insurance.

It offers 0 types of insurance, whereas the average card has 5 types of coverage.

Approval and qualifying

Do I qualify?
Estimated Credit Score300 – 559
Personal Income$0
Household Income$0
Annual Fee$0
Extra Card Fee$0
Card typeMasterCard

We scored it 5.0 out of 5 for approval.

We predict that you will require a credit score of at least 300 to qualify for the Stack Prepaid Mastercard, while the average card requires 652 to qualify.

This puts it in the top bottom 20% of cards by approval difficulty.

The personal income requirements are $0, while the average card requires $23,896.

This puts it in the top 50% of cards by the income required to qualify.

The Stack Prepaid Mastercard is a non-traditional credit card that presents users with several unique benefits. Below, we will examine its earning potential, various advantages and disadvantages, and additional relevant information to assist you in deciding whether this card is the right choice for your financial needs.

Earning potential with the card

The Stack Prepaid Mastercard does not follow the typical reward structures found in many credit cards. Instead, users gain access to discounts and savings through partnered brands and retailers.

Although there aren’t direct cashback or point redemption systems available, the earned discounts through these partnerships can ultimately help users save money on various purchases.


  1. Efficient Spending Management: Being a prepaid card, the Stack Mastercard allows users to manage their spending more efficiently. By loading funds onto the card, users can conveniently budget their finances and eliminate the risk of overspending or going into debt.
  2. Foreign Transaction Fees: This card boasts zero foreign transaction fees, a feature that is highly attractive to travellers. When shopping overseas or making purchases in foreign currencies, you will not be charged any additional fees.
  3. Mobile App Integration: The Stack Prepaid Mastercard offers mobile app integration, giving users a smooth experience when it comes to monitoring transactions, receiving notifications, and managing their card. This accessibility allows for seamless financial management from the convenience of your phone.
  4. Enhanced Security Measures: Enhanced security measures are in place for Stack Mastercard users. In addition to chip and PIN protection, the card also supports Mastercard’s Zero Liability policy, ensuring that cardholders are not held responsible for unauthorized transactions.


  1. Drawback: Since this card requires users to preload funds, it will not contribute to building or improving your credit score. For individuals seeking credit-building options or access to credit through a traditional credit card, this card would not be the ideal choice.
  2. Drawback: The discounts and savings offered through the Stack Mastercard’s partnered retailers can be restrictive compared to point-based systems found in other credit cards. Users might not be able to save on some expenses if the savings are limited to specific brands or stores.

Additional information 

While the Stack Prepaid Mastercard differs from standard credit cards in various aspects, it can be a beneficial choice for users who prioritize budgeting, financial management, and international spending. It may not be the preferred option for those seeking traditional reward structures or looking to build their credit score.

Interested in other credit cards? Canadians that like the Stack Prepaid Mastercard credit card also like the KOHO Essential Mastercard. If you’re looking for other options you should consider the Walmart Rewards World MasterCard, and the KOHO Extra Mastercard.


The Stack Prepaid Mastercard does not specifically offer a traditional points-based rewards program. Instead, it offers cashback, discounts, and various perks through a range of partner merchants. The savings are applied instantly at the moment of purchase or within the mobile app.

The Stack Prepaid Mastercard does not charge any foreign transaction fees. This means that when making purchases or transactions in different currencies, there will be no additional fees applied on top of the exchanged amount, making it a great option for travellers and anyone engaging in cross-border transactions.

The Stack Prepaid Mastercard does not have a minimum income requirement, making it accessible for a wide variety of individuals, regardless of their income level.

Key benefits

  • Chip and contactless payment technology
  • Quick and secure online shopping with Mastercard SecureCode
  • Personalized card design options
  • Account freezing capabilities in case of loss or theft
  • Automatic bill payments available for utilities and subscriptions
  • 24/7 customer support with knowledgeable agents
  • Compatible with various mobile wallets such as Apple Pay, Google Pay, and Samsung Pay
  • Allows money transfers between fellow cardholders
  • Track spending habits with the mobile app’s budgeting tool
  • Customizable alerts to manage spending thresholds

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