Stackback enables you to earn while you spend. You get up to 1% in bitcoin back on eligible card purchases.
How does Stackback work?
All Bitstack cardholders users earn a minimum of 0.1% Stackback on eligible card purchases. No conditions. No activation required.
(with a minimum of 1 satoshi per transaction)
If you activate a recurring Bitcoin savings plan, your Stackback increases to 1% on part of your monthly spending. The more you save, the more you earn.
What savings unlock higher Stackback?
Only recurring Bitcoin savings plans unlock the 1% Stackback boost:
Weekly, monthly, or daily recurring Bitcoin purchases
The following do not unlock higher Stackback:
One-time purchases
Sell orders
Round-Ups
How does the 1% Stackback limit work?
Your recurring savings determine how much of your monthly spending earns 1% Stackback.
In other words, Stackback tiers are based on your total recurring savings per month. If you choose a monthly plan, you can simply pick a monthly amount. If you choose daily or weekly recurring savings, use the minimum amounts below to make sure you reach each tier.
Daily amounts are calculated using a 28-day month (February), so they work even in the shortest month, and weekly amounts assume 4 weeks per month, so both options are conservative.
Monthly recurring savings | Approximate minimum weekly amount | Approximate minimum daily amount | 1% Stackback on the first |
€60–100 | €15/week | €2.15/day | €200 spent |
€100–200 | €25/week | €3.58/day | €350 spent |
€200–400 | €50/week | €7.15/day | €700 spent |
€400+ | €100/week | €14.29/day | €1,500 spent |
Once the boosted amount is reached, Stackback continues automatically at 0.1% for the rest of the month.
Which transactions do not earn Stackback?
Stackback is earned on card purchases, but not all transactions are eligible. Transactions that typically do not qualify include:
P2P payments or account top-ups (e.g., sending money to friends or funding another app)
ATM cash withdrawals
Manual cash withdrawals at bank counters
Payments to fund accounts (e.g., transferring money into your Bitstack account)
Gambling or cash-like transactions (e.g., buying casino chips, money orders)
Certain transfers or investment operations that are not regular card purchases
For very small amounts, Stackback is always rounded up to a minimum of 1 satoshi (0.00000001 BTC) per eligible card transaction.
How is Stackback calculated each month?
In your first month, Stackback is based on the monthly equivalent of your active recurring plan. Your “first month” starts from your card activation and lasts at least 30 days; if day 30 falls mid-month, we keep the same “first month” rules until the next calendar month boundary (the 1st). If you change your recurring plan during this onboarding period, your Stackback level updates accordingly.
After this onboarding period, rewards follow the normal calendar-month cadence. Your Stackback level for a given month is based on recurring savings executed in the previous calendar month.
Why is the Stackback designed this way?
Because Bitstack rewards financial discipline, not just spending.
Save regularly → earn more bitcoin → build long-term habits.