250K+
Benefits Tracked
$12.0M
Savings Identified
50K+
Active Users
99%
Uptime
Features
Everything You Need to Maximize Your Cards
Three value pillars: Benefit Utilization, Spend Optimization, and Application Strategy — all in one place.
Benefit Reminders
Never miss a monthly credit again. Get timely reminders for expiring benefits across all your cards.
Spend Optimizer
Always know which card to use. Get real-time recommendations for maximum rewards on every purchase.
SUB Tracker
Track sign-up bonus progress across all cards. Know exactly how much more you need to spend to earn that bonus.
Card Recommendations
Discover the best card to apply for next. Our engine considers bank rules like Chase 5/24 and Amex restrictions.
Points Dashboard
See all your points and miles balances at a glance. Track multipliers and know exactly what each point is worth.
Balance Alerts
Get reminders before your payment due dates. Monitor credit utilization and annual fee postings across cards.
How It Works
Get Started in 3 Simple Steps
No tech skills needed. Just add your cards and let Perkly do the rest.
Add Your Cards
Add your credit cards from the catalog or enter them manually. Include details like annual fee, approval date, and card network.
Connect Benefits
Add point multipliers, SUB requirements, benefit details, and credits. Perkly organizes everything so you can see it all at a glance.
Optimize Every Purchase
Before you buy, check Perkly. Get the best card recommendation based on category, active SUBs, and point multipliers.
Testimonials
Loved by Rewards Enthusiasts
Join thousands of users who never miss a benefit again.
“I used to miss monthly credits on my Amex Platinum all the time. Perkly has saved me over $600 in the last 3 months alone.”
Sarah C.
Verified User
“The spend optimizer is genius. I had no idea I was leaving thousands of points on the table by using the wrong card.”
Marcus J.
Verified User
“Finally, an app that considers Chase 5/24 before recommending a new card. This is the tool every points enthusiast needs.”
Elena R.
Verified User
“I track 8 cards across 4 issuers and Perkly makes it effortless. The SUB tracker alone is worth it.”
David K.
Verified User
Pricing
Simple, Transparent Pricing
Start free. Upgrade when you need more power.
Free
For casual card users
- Up to 3 credit cards
- Basic benefit tracking
- Spend optimizer
- Email reminders
- Community support
Pro
For rewards enthusiasts
- Unlimited credit cards
- SUB tracking
- Points balance tracking
- Category multipliers
- Card recommendations
- Push notifications
- Priority support
Premium
For power users
- Everything in Pro
- Bank rules engine
- Approval odds analysis
- Annual fee alerts
- Retention offer tracking
- Multi-device sync
- API access
- Dedicated support
FAQ
Frequently Asked Questions
Everything you need to know about Perkly.
Is Perkly free to use?
Yes! Perkly Free includes basic card tracking, benefit reminders, and spend optimization for up to 3 cards. Upgrade to Pro for unlimited cards and advanced features.
How does Perkly keep my data secure?
We use bank-level encryption (AES-256) for all sensitive data. Your credentials are encrypted with two separate keys stored across different providers. We never sell your data.
Which credit cards does Perkly support?
Perkly works with any credit card from any issuer. You can add cards manually or from our catalog of popular cards from American Express, Chase, Capital One, Citi, Discover, and more.
Does Perkly store my credit card numbers?
No. Perkly only stores card metadata — issuer, network, card name, and benefits. We never store PAN (Primary Account Numbers), PINs, or CVV codes.
How does the Spend Optimizer work?
Enter your purchase amount and category. Perkly analyzes your cards' multipliers, active SUBs, and caps to recommend the best card. If you're working on a sign-up bonus, it prioritizes that card.
Can I track authorized user cards?
Yes. When adding a card, you can tag yourself as the primary account holder or authorized user. This helps with SUB tracking and card recommendations.