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.
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."
"There are just far too many credits available right now on cards in my wallet to keep them all memorized."
"For $50 per year I am simply not willing to put up with the shortcomings of AwardWallet."
A reader lost 32,000 points to inactivity: the reminder emails reached their inbox, and never their spouse's.
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.
The live screens below are the shipping product; the ones marked "in build" are rendered from the committed spec and arrive through early access.
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
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
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
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
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
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
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
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.
Every number shows when it was last confirmed. Perq never says "synced today" when it was not; stale is marked stale.
Export your whole wallet as JSON or CSV anytime. If we ever disappoint you, your data walks out the door with you.
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.
| Capability | Perq Wallet | CardPointers | MaxRewards | Kudos | AwardWallet | Travel Freely | UseYourCredits |
|---|---|---|---|---|---|---|---|
| No bank login, ever | ✓ | ✓ | ✗ | ✗ | ✗ | ✓ | ✓ |
| Dollar-level credit tracking | ✓ | paid | paid | partial | partial | ✗ | ✓ |
| Points + loyalty balances | ✓ | ✗ | partial | ✗ | ✓ | ✗ | ✗ |
| Elite status + certificates | ✓ | ✗ | ✗ | ✗ | paid | ✗ | ✗ |
| Transfer-bonus tracking | ✓ | ✗ | ✗ | ✗ | partial | ✗ | ✗ |
| Gift cards in the same ledger | ✓* | ✗ | ✗ | ✗ | ✗ | ✗ | ✗ |
| Household / player 2 first-class | ✓* | ✗ | ✗ | ✗ | partial | 2 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/yr | free | $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.
No ads. No selling your data. No two-card bait tier. The free plan is genuinely usable forever.
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.
No. Perq is read-only by design. There is no payment capability, no transfer capability, and no write access to any financial account.
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.
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.
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.
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.
The tracker is free and live today. Pro and the household build land through early access; the waitlist gets them first.