STACK Prepaid MasterCard介绍及申请奖励

‎STACK Finance on the App Store

iPhone Screenshots



Manage your money with the STACK app and use it everywhere with our reloadable Mastercard. STACK is a completely fee-free spending account that combines the flexibility and rewards of a credit card, with the cash-only security of a debit card.

Open your app-based account in minutes and join the tens of thousands of Canadians who took control of their money.

Manage Your Finances
● Get instant spending notifications
● Track how much you spend each week or month on things like groceries and transport
● Set up weekly budgets to cap your spending
● Round up every transaction to turn spare change into savings

Canada’s Best Travel Card
● Spend money all around the world with no foreign exchange fees
● Withdraw money and you’ll only pay the local exchange rate
● Use STACK anywhere Mastercard is accepted worldwide

Instant Rewards. Social Sharing
● Earn cash rewards when you spend with your favourite brands
● Capture and share your stories on our custom World Stream
● Discover how STACK members are savings with STACK

Payments Made Simple
● Tap and pay to speed up your daily transactions
● With Samsung and Fitbit Pay, everyday purchases are fast and convenient.
● Send and request money from friends and family at the touch of a button
● Split the bill with friends and family and we’ll take care of the math

Safe and Secure
● Freeze and unfreeze your card from the app any time, any place
● Protect your transactions with Mastercard zero liability protection
● Protect your deposits‎ with Canada Deposit Insurance Corporation

And More!
● Real-live human customer support
● No credit check when signing up!
● Get your free account in minutes

Want More STACK?

What’s New

Version 1.16.1

- bug fixes + performance enhancements

Ratings and Reviews

4.5 out of 5
1.8K Ratings

1.8K Ratings

Primarytech ,

3+ months and loving it.

I dealt with customer service on 2 occasions and it was thru apps chat. Simply superb. I had issues resolved within minutes. I’m using this card more and more. Random perks just keep coming. I can’t say enough about how good of an experience I’ve had with this app and the card itself.

Developer Response ,

This is what we looove to hear! Great to see how much you're enjoying our offers! More to come =D

Hibiscus1122 ,


J’aime l’application malgré que c’est pas en français j’espère que la version française va sortir bientôt !

nimzshar ,

Worst experience activating my card!

It’s a pain to activate this card. Once received they set you up with a random 4 digit pin. And I did change the pin to my personal one. Tried shopping with it twice, pin got rejected. Then called up customer support, then I was informed that I should take it to an ATM machine and check balance to activate it. I did try that, but none of the ATM machines had an option to check my card balance.
But since the pin got accepted at ATM, tried another transaction at store. Failed again and account got locked after 3 attempts.
Called up support, then was informed this funny concept. That not all ATM machines support balance check.

And they asked me to go keep trying different ATM machines until I find that option or do a transaction. Funny part is, they initially give u only $20. And to perform a transaction at ATM , then minimum is $20 and on top of that they charge $3 fee. So in total the transaction of $23 failed as I don’t have that balance.
Indirectly these smart guys are making us load the card (minimum load is $50).

For the Stack team: It was so frustrating to go around hunting ATM machines that would do a balance check and even after 6 different ATM (all leading banks) , I failed to do so. And I’m no way doing a top up on card that has such poor process and of course zero clarity.

Goodbye Stack and I’m going to ask my friends whom I referred (should never have ) to stop using Stack!!!

Developer Response ,

Hi there, apologies for the delayed reply. We're very sorry to hear your experience with us wasn't so great - please note we have made many changes to our card PIN process to make it a lot smoother since the you last tried using our service. Please give us a call at 1 (877) 782-2501 and once of our agents would love to be of assistance to you and answer any questions you may have.

App Privacy

The developer, STACK Fintech, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer's privacy policy.

Data Linked to You

The following data may be collected and linked to your identity:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Identifiers
  • Usage Data
  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    Up to six family members will be able to use this app with Family Sharing enabled.

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STACK Prepaid MasterCard介绍及申请奖励

2020-7-22:终于支持了Google Pay(早期已支持Apply Pay)

STACK Prepaid MasterCards是一类预付费“信用卡”,即需要先向卡里充值,才能使用。由于这种性质,申请这张卡片不会对信用有影响(没有Hard Pull),但可能有Soft Pull确认个人信息。刚搬家或者信报有近期变更的可能会被要求上传PDF支票账户账单来验证身份和地址信息。


STACK Prepaid MasterCard的开卡羊毛



‎STACK Finance
‎STACK Finance
Developer: STACK Fintech
Price: Free
STACK Finance
STACK Finance
Developer: STACK
Price: To be announced


向STACK Prepaid MasterCard充值

前面说了,作为预付费(Prepaid MasterCard),此卡必须先充值才能使用,包括用于前面的Amazon Prime会员费支付。


  • Interac Online充值,立刻可以到账,但是需要去网页操作。
  • Interac E-Transfer,实测几分钟后可以到账。这个比较方便,比如可以通过银行App现用现存。
  • 另外两个是payroll load和visa debit。实测payroll load可以用Tangerine或者EQ Bank转钱进去,但是比较慢且无必要,不推荐。
  • 最近STACK开始接受通过Canadian Tire Gas+加油站用现金或者Debit充值。

STACK Prepaid MasterCard的几个经典用法

  • Stack方面不收ATM取现费用 ,但ATM商家可能会收;Stack不收货币转换费,并采用MasterCard卡组织汇率。利用这两条特性,那么Stack MasterCard就非常适合在加拿大境外(包括中国)用于取现当地货币,而不用再浪费一个Hard Pull去申请别的无货转信用卡。。(Stack取现上限每日两次,每次上限等值加币$500,每月上限$2000)
  • 由于支付宝已经支持添加非中国地区MasterCard,经实测,可以添加Stack MasterCard并用于付款。于是乎,在加币汇率较高时,Stack又可以帮你借助利率优势在中国地区消费。

STACK Prepaid MasterCard的日常羊毛

STACK Prepaid MasterCard介绍及申请奖励
STACK Prepaid MasterCard介绍及申请奖励
STACK Prepaid MasterCard介绍及申请奖励


  • 超市如Superstore/Walmart/Metro满额($15~20)返$1
  • 快餐店如McDonald’s/Tim Horton’s/Starbucks满额($5~10)返$1
  • 加油如Shell/Esso满额($10~20)返$1

比较建议的玩法:有看到这类Offer可以先Load到卡上,然后计划好消费金额,用Email Transfer充值差额到卡上,然后去花掉。比如,卡上已经有上一次消费奖励的$1,看的一个超市消费满$15返1的offer,于是就向卡上转$14,然后去超市买张用的上的$15 Gift Card……


1. Tap the dollar button.
2. Choose “Bill Pay”.
3. Find your service provider.
4. Type in your account number.
5. Type in your amount and you’re done.




  • 最大余额/每月最多充值金额 $20000
  • 每日最多充值次数 4
  • 每月最多充值次数 20
  • 单次最大/每日最多充值金额 $8000
  • 每日最多消费次数 15
  • 单笔消费限额 $2500
  • 每日消费限额 $20000
  • 每日ATM取款次数 2
  • 每次ATM取款限额 $500
  • 每月ATM取款限额 $2000
  • Stack卡之间单次转账限额 $2500
  • 每日转账限额 $5000
  • 每日消费和取现总限额 $5000