Credits · Points · Status · Transfers · Gift cards · Household

Every card.
Every perk.
Nothing left on the table.

Perq Wallet tracks every recurring credit, point balance, certificate, transfer bonus, and gift card your household owns, and tells you before any of it expires. Add a card by name and its full benefit set appears instantly.

No bank login. Ever. Your card numbers and passwords never enter the app.

Perq Wallet cards view: a 6-card wallet carrying $6,378 per year in recurring credits
$6,378/yrcredits on this wallet
$3,454open to redeem now
$750+
what the leading tracker says its users save per year
30+
benefits auto-populated on a six-card wallet
6
pillars in one app; rivals ship one or two
0
bank logins required, ever
The problem

Premium cards became coupon books.

Six cards means 30+ recurring credits, a dozen certificates, five loyalty balances, and a drawer of gift cards, resetting on different clocks for every member of your household. The industry's own numbers put the leak in the hundreds of dollars per person, per year.

"Some Chase customers have had syncs trigger a fraud lock, leaving them locked out for days during review."

NextCard, reviewing a credential-storing competitor · source

"There are just far too many credits available right now on cards in my wallet to keep them all memorized."

Frequent Miler, who tracks credits in Google Calendar · source

"For $50 per year I am simply not willing to put up with the shortcomings of AwardWallet."

Eye of the Flyer, after a 400% price hike · source

A reader lost 32,000 points to inactivity: the reminder emails reached their inbox, and never their spouse's.

Frequent Miler reader report · source

These are industry voices describing the category, not Perq customers. Perq Wallet exists because all four complaints have one answer: every pillar, one app, no bank login.

What you get

Six pillars. One beautiful wallet.

The live screens below are the shipping product; the ones marked "in build" are rendered from the committed spec and arrive through early access.

1.0

Add a card. Everything appears.

Pick your cards by name and every recurring credit, fee date, and benefit auto-populates: 30+ benefits on a six-card wallet, calendar and anniversary resets both handled. No numbers typed, nothing linked.

Live today
Cards view with per-card credit totals
2.0

Redeem before it resets.

One screen shows every open credit this cycle, soonest-to-reset first, at the dollar level rather than a checkbox. The extension auto-fills what already posted to your statement.

Live today
This-cycle view: $3,454 available to redeem right now
3.0

Catch every transfer bonus.

A live, date-exact table of every active points transfer bonus market-wide, with history and a likely-to-return read on the corridors that repeat. Alerts on your timing: at launch, 7 days out, or 2 days before it ends.

Live today
Transfer bonuses table with expiry dates
4.0

Status and certificates, dated.

Elite tiers, free-night certificates, and companion passes as first-class dated objects with countdowns, not lines in a note. The extension reads balances from pages you are already signed into.

Live today
Status view with tiers and certificates
5.0

The gift-card drawer, remembered.

Balances, expirations, and occasion tags in the same ledger as your credits, plus a nudge when you are near a store you hold value at. No rival tracks stored value next to card perks.

In build · early access
Gift cards ledger with proximity alert (preview render)
6.0

Household, first class.

Player two is a real player: per-person wallets and 5/24 counts, poolable points in one view, and one shared deadline list so no one loses a certificate the other knew about. Invite each member to their own login.

Live today
Household view: players, per-person 5/24, shared certificate alerts, poolable points
7.0

And the sharp edges rivals skip.

A keep-or-cancel verdict with real break-even math at every renewal. The best card at checkout, without harvesting your browsing history. Ask Claude or ChatGPT what is expiring, through a wallet your AI can query.

In build · early access
Renewal check: keep, cancel, or downgrade with break-even math (preview render)
Trust, by architecture

The apps that automate this want your bank password. We refuse.

🔒

No credentials, ever

Cards are added by name. Balances come from the extension reading pages you are already signed into, on your device, in your session. Nothing is stored on our side to leak or to trip a fraud lock.

Honest sync

Every number shows when it was last confirmed. Perq never says "synced today" when it was not; stale is marked stale.

Yours to take

Export your whole wallet as JSON or CSV anytime. If we ever disappoint you, your data walks out the door with you.

The superset case

They each do a piece. Perq contains them.

Every row is factual and current as of July 2026; sources in the research dossier. The pattern to notice: each rival wins one column, and only one column has every row.

CapabilityPerq WalletCardPointersMaxRewardsKudosAwardWalletTravel FreelyUseYourCredits
No bank login, ever
Dollar-level credit trackingpaidpaidpartialpartial
Points + loyalty balancespartial
Elite status + certificatespaid
Transfer-bonus trackingpartial
Gift cards in the same ledger*
Household / player 2 first-class*partial2 users
Unlimited cards, free tier
AI / agent access (MCP)*in-app
Paid tier$49/yr · $149 life$90/yr · $280 life$108-240/yr$72/yr$49.99/yrfree$15.99/yr

* Ships through early access (the "in build" screens above). Competitor facts sourced July 2026 from vendor sites, help docs, and published reviews; corrections welcome at hello@perqwallet.com.

Pricing

Honest free tier. One simple upgrade.

No ads. No selling your data. No two-card bait tier. The free plan is genuinely usable forever.

Free

$0
  • Unlimited cards, forever
  • All six pillars, tracked manually
  • Auto-populated benefit library
  • This-cycle view + calendar export
  • Full JSON/CSV export
Start free

Pro

$49/yr · or $6/mo
  • Extension auto-collect + posted-credit auto-fill
  • Full household: unlimited players, shared alerts
  • Keep-or-cancel math at every renewal
  • Choose-your-timing alerts everywhere
  • AI/MCP wallet access
Join the Pro waitlist

Lifetime

$149 once
  • Everything in Pro
  • Every future platform included
  • No subscription, ever
  • Founding-member badge
Reserve lifetime
The math: Pro costs $49 a year. The six-card demo wallet has $3,454 sitting open this cycle. If Perq rescues one forgotten $50 credit, the year is paid for.
Questions

The ones that matter.

Do you ever see my bank login or card numbers?

No. You add cards by name from a library. Balance collection happens through the browser extension reading pages you are already signed into, in your own browser session. No credentials or full card numbers are transmitted or stored.

Can Perq move my money?

No. Perq is read-only by design. There is no payment capability, no transfer capability, and no write access to any financial account.

How does Perq know which perks my cards have?

A maintained benefits database, refreshed by an automated pipeline with a human review gate before anything publishes. When a card's terms change, the update flows to your wallet; you can also correct anything locally.

What happens if Perq shuts down?

Your data is exportable as JSON or CSV at any time, and the app keeps working with its bundled dataset. Trackers have died before and taken user data with them; we designed for the opposite.

Which cards are supported?

The major US premium and cash-back cards at launch, with the library growing weekly. Missing one? Add it manually in a minute, or tell us and it lands in the library for everyone.

How is this different from my bank's app?

Your bank shows one issuer's cards and buries the perks. Perq shows every issuer, every loyalty program, every certificate, and every gift card, for your whole household, in one place with one deadline list.

Early access

Stop donating perks
back to the banks.

The tracker is free and live today. Pro and the household build land through early access; the waitlist gets them first.

Or open the free app now