Credits · Points · Status · Transfers · Gift cards · Household
Every card. Every perk. Nothing left on the table.
Perq Genie 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.
$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.
The apps that automate it want your bank password, and get your own account fraud-locked.
The apps that respect your privacy track one pillar and leave the other five to a spreadsheet.
The spreadsheet does not text your spouse before the certificate dies.
"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.
These are industry voices describing the category, not Perq customers. Perq Genie exists because all four complaints have one answer: every pillar, one app, no bank login.
Every credit, point, and certificate your household owns, on one deadline list, before any of it expires.
What you get
Six pillars in one wallet.
Eight scenes below: the six pillars, plus the renewal verdict and the checkout picker that serve them. The live screens are the shipping product; the one marked "in build" is rendered from the committed spec and arrives as it ships.
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
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
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, seven days out, or two days before it ends.
Live today
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
5.0
The gift-card drawer, remembered.
Balances, expirations, and occasion tags in the same ledger as your credits, ranked so you always know which one to use first. No rival tracks stored value next to card perks.
Live today
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
7.0
A keep-or-cancel verdict, on your own numbers.
Real break-even math at every renewal: what you actually redeemed this fee year, from your own log, against the annual fee, with the specific unused credits called out before you renew.
Live today
8.0
The highest-earning card at checkout, without watching you browse.
A popup at the register ranks your own cards by category multiplier for that merchant and offers to autofill the winner, with no browsing-history collection, the sharp edge rivals like Kudos skip on privacy.
In build
Beyond the six pillars
Five more scenes, all live today.
The tour above runs eight scenes because that is what fits in a scroll. The product carries fifteen capabilities, and several have never had a scene on this page. Here is every one of them, fourteen shipped and one in build, then the five that are live and have never been shown before.
1
Unified wallet dashboardLive
Every card's credits in one card-stack. Shown above, Act 1.0.
2
This-cycle redeem viewLive
Shown above, Act 2.0. Every open credit, soonest-to-reset first, at the dollar level.
3
Transfer-bonus tableLive
Shown above, Act 3.0. Date-exact, market-wide, with the corridors that repeat.
4
Status and certificatesLive
Shown above, Act 4.0. Elite tiers, free-night certificates, and companion passes with dates.
5
Gift cards, the DrawerLive
Shown above, Act 5.0.
6
Household, the wedgeLive
Shown above, Act 6.0. Invite links work today; full wallet sharing is next.
7
Keep-or-cancel verdictLive
Shown above, Act 7.0.
8
Highest-earning card at checkoutIn build
Shown above, Act 8.0. The only one of the fifteen not yet shipped.
9
Points & loyalty portfolioLive
New scene below.
10
Memberships trackerLive
CLEAR, Costco, and every paid membership, netted against what your cards already cover.
11
Choose-your-timing alertsLive
Launch, seven days out, or two days before, in-app and by real email.
12
Ask Perq, AI wallet accessLive
New scene below. A bearer-token connector today; a full one-click connector is next.
13
Lifetime scoreboardLive
New scene below.
14
Reads your perk emails, automaticallyLive
New scene below. Forward one, or watch your inbox for every one.
15
Set up from a screenshotLive
New scene below.
9.0
Every point and mile, valued your way.
Six loyalty programs across the household rolled into one portfolio value, each one tagged to the family member who holds it and priced at a valuation you set, not a generic chart. This wallet's Ultimate Rewards balance alone prices out at $4,286 across two holders.
Live today
12.0
Point your own AI at your own wallet.
Add Perq as a custom connector in Claude or ChatGPT, over the open Model Context Protocol (MCP), and ask it directly what is expiring or worth using this week. A bearer token you copy and paste, not a data broker; the full one-click sign-in connector is the next step, not this one.
Live today
13.0
The app proves its own value, unasked.
A lifetime scoreboard built from your own redemption log, not a marketing estimate: all-time total, this year, best year, and the single card that earned its keep. Nothing here is invented; it is every credit you already marked used, added up.
Live today
14.0
Email your perks in.
Forward any "your credit has posted" email and Perq reads the merchant, the amount, and the card. Or set it once: a personal address that watches your inbox automatically, so every posted credit lands in your wallet with nothing left to remember. No rival reads your card issuer's own credit-posted emails — the ones that show up whether or not you ever open the app.
Live today
15.0
Set up from a screenshot.
Screenshot your banking app's card list, upload it, and Perq matches every name against its own database, checked and ready to add. No typing, no searching a list one card at a time — a six-card wallet is set up as fast as you can take the picture.
Live today
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.
Everyday moments
When you actually open it.
Six moments from an ordinary day, each one a scene above doing its job.
The last week of the month
A monthly dining credit resets in four days and you have used none of it. Perq sorts the redeem screen by what resets soonest and shows the exact dollar amount, not a checkbox, so you can see what is about to expire without reconstructing it from six statements.
The week a transfer bonus lands
Corridors open and close on their own schedule, and the good ones are gone in three weeks. Perq keeps a date-exact table of every active bonus across the market, plus the history of which corridors repeat. Get an alert at launch, seven days out, or two days before it ends. You choose when, so you do not find out afterward.
The month before an anniversary
A free-night certificate has a date on it, and no one remembers which. Perq tracks certificates, elite tiers, and companion passes with dates and countdowns. The certificate you used to forget now has a deadline on the same list as everything else.
The moment your partner books the room
This is where households lose benefits. One person holds the certificate, the other books the hotel, and the reminder email reaches only one inbox. Every member gets their own wallet and login, and the deadline list is shared, so nothing depends on one person reading one email.
Standing at the register
Gift cards are easy to forget. Perq keeps their balances, expirations, and occasion tags in the same ledger as your credits, ranked so the one to spend first is obvious.
The day the annual fee posts
Perq uses your own log to total what you redeemed this fee year and compare it with the fee. Keep or cancel becomes arithmetic, not a feeling.
Works from your inbox
Forward the email. It logs itself.
Your card issuer already emails you the moment a credit posts. Perq reads that email so you never have to open anything.
Status, stated plainly: the engine is live today and running on a connected mailbox: forwarding is verified, issuer emails are parsed and applied, and commands and replies work. Connecting your own mailbox is in build and is marked that way here until it ships for every account.
Connect once, in your own Gmail
You add one Perq address as a forwarding address and pick which mail goes to it. Perq confirms itself: Google sends a verification to that address, Perq answers it, and it is already verified by the time you look. No code to copy out of an inbox you cannot open. Perq never asks for your mailbox password and never reads mail you did not send it.
The issuer email is the receipt
American Express writes “you’ve earned a $20.00 Resy statement credit after using your enrolled Delta SkyMiles Reserve Card.” That one line names the benefit, the amount and the card, so Perq matches it to the right credit on the right card and marks it redeemed. Bilt’s Mobile Checkout receipts work the same way.
When it is not certain, it asks
Perq only logs a redemption automatically when exactly one credit fits. If two could match, it holds the email and asks rather than guessing, because a wallet that quietly tells you money is spent when it is not is worse than one that asks.
Reply to the reminder and it is done
The expiry reminder is answerable. Reply used resy and the credit is logged. used doordash 10 logs a partial. snooze walgreens 3 stops the nagging for three days. left sends back everything still open.
Email the wallet from anywhere
You do not need the reminder to start it. Write to Perq with left, due, or used lululemon in the subject line and it answers. It works from a phone on airplane wifi, a work laptop with nothing installed, and a watch.
Not everything can be caught, and we say which
Amex and Bilt confirm a redemption in writing. Chase, Marriott, Hyatt and Delta do not send one at all, so those stay a single tap. Perq tells you which of your credits it can confirm for you and which it cannot, rather than implying it catches everything.
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: no rival covers more than a third of these rows, and the one row Perq does not cover today is the one Kudos was built for.
Capability
Perq Genie
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
✗
✗
✗
Auto-detects credit-posted emails
✓
✗
✗
✗
travel email only
✗
✗
Set up cards from a screenshot
✓
✗
✗
✗
✗
✗
✗
Card picker at checkout
in build
paid
✓
✓
✗
✗
✗
Paid tier
Free today · $59/yr Premium and $119 Pro when they land
$90/yr · $280 life (often ~$45 on sale)
$108/yr
$72/yr
$49.99/yr
free
$15.99/yr
A row marked "in build" is designed and committed, not shipped, and it is scored as absent today rather than as a win: the card picker at checkout is the one row three rivals cover and Perq does not. Household ticks for per-person wallets, logins and a shared deadline list, all shipping today; pooling a household's full wallets arrives with Pro. Competitor facts sourced July 2026 from vendor sites, help docs, and published reviews; corrections welcome at hello@perqwallet.com.
Proven by the market
What the little guys prove, and what buyers keep asking for.
Independent builders have been chipping away at this exact problem for years, and the people actually using today's trackers keep asking for the same handful of things. Every one of these directly shaped a Perq Genie decision.
"For $50 per year I am simply not willing to put up with the shortcomings." Travel Freely proves the opposite works: free, with no paid tier, and it still earned 4,500-plus five-star reviews and national press.
What the indie tools prove · travelfreely.com
A two-founder team built Cardtrackr to replace a spreadsheet and launched to 107 Product Hunt upvotes, praised specifically for clean design. Even power users will pay for something well-made rather than merely functional.
What the indie tools prove · producthunt.com/products/cardtrackr
PointsPulse built its entire pitch around never storing a loyalty password. That is not a workaround, it is what a real, distrustful segment of cardholders is actively looking for.
What the indie tools prove · pointspulse.com
The same pain shows up everywhere: an India-focused tracker, SaveSage Club, raised $1.73 million and reached Shark Tank India by localizing the identical problem outside the US.
What the indie tools prove · savesage.club
And the people using today's trackers are asking, loudly and specifically, for: reliable sync without repeated two-factor re-authentication, loyalty and status tracking in the same wallet as credit-card benefits, honest detection of which credits were actually used, a search bar across every card, and pricing that matches how much a person actually saves. Perq Genie answers four of those five today; the search bar spans the card library rather than every benefit you hold, and widening it is on the build queue.
The limits
What Perq does not do.
The same discipline as the pillars above: nothing here is softened, and none of it has a date attached.
It cannot see your statements by itself
That is the whole point of refusing your bank password, and it has a cost. Balances and posted credits come from the browser extension reading pages you are already signed into, and anything the extension has not read is something you confirm yourself. Every number on screen shows when it was last confirmed, and stale is marked stale rather than quietly presented as current.
The checkout card-picker is not shipped
The popup that ranks your own cards by category multiplier at the register is in build, rendered from the committed spec rather than running. It is marked that way on this page and it stays marked that way until it ships.
Connecting your own mailbox is not shipped yet
The email interface above is built and running, but on a single connected mailbox rather than on every account. Per-account forwarding addresses exist in the code and are not yet switched on for general sign-ups. It is marked in build on this page and stays marked that way until it ships.
It does not open, close, or apply for anything
Perq is a ledger and a deadline list. It never applies for a card, never moves points between programs, and never redeems on your behalf. The keep-or-cancel screen gives you the arithmetic; the call and the cancellation are yours.
It is not financial advice
The break-even math runs on what you actually logged, so it is only as good as what you told it. A card that loses on paper may still be worth keeping for reasons no ledger holds.
Pricing
Priced for what it gives back: money and time.
A premium-card household carries $1,000 to $3,000 a year in credits, points, and certificates that only pay off when every one gets used, on time. Perq makes sure they do, and hands back the hours you would otherwise spend tracking it by hand. Two resources you cannot buy more of, both returned to you, for a fraction of a single year's savings.
Everything below is free while Premium and Pro are in build. Nothing charges yet, nothing is gated in the app today, and every capability shown above works on the free tier right now. The tier lists say where each one will sit when the paid tiers land.
Free
$0
Every credit and perk in one view.
Unlimited cards, all six pillars, tracked by hand
Auto-populated benefit library
Gift-card ledger + points wallet
This-cycle view + calendar export
AI-assistant access: ask Claude or ChatGPT what is expiring
Full data export, forever, as spreadsheet (CSV) or structured (JSON) files
The math: Premium is $59 a year. The six-card demo wallet has $3,454 open this cycle alone. Rescue one forgotten $60 credit and it has paid for itself; the rest is money you were leaving on the table, plus every hour you would have spent chasing it.
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, 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.
How much does Perq Genie cost?
Free tracks unlimited cards across all six pillars, by hand, forever, and includes live AI-assistant access through Claude, ChatGPT, or any MCP client. Premium is $59 a year (or $6 a month) and adds personal deal alerts scoped to your cards, extension auto-collect, timed alerts, and the keep-or-cancel verdict at renewal. Pro is $119 a year (or $299 once) and adds full household support. Premium and Pro are in build. Leave your address and we will tell you the day they land.
What it does
Stop donating perks back to the banks.
The tracker is free and live today, and everything in it is free while Premium and Pro are in build. Leave your address and we will tell you the day they land.
