How It Works

Your complete guide to tracking credit card perks with Perky

1Getting Started

Add Your Cards

Search from our database of 40+ premium credit cards or create your own custom card:

  • Click "Add Card" from your dashboard
  • Search by card name or issuer (e.g., "Amex Platinum", "Chase")
  • Or create a custom card with your own perks

💡 Free Tier: Start with 3 cards (max 2 per issuer). Upgrade to Premium for unlimited cards.

2Toggle & Track Usage

Toggle Perks as Used

Tap any perk to mark it as used. Perks automatically reset based on their period:

  • Monthly: Resets on the 1st of each month(e.g., Uber Cash, Dining Credits)
  • Quarterly: Resets Jan 1, Apr 1, Jul 1, Oct 1(e.g., Lululemon, Resy Credits)
  • Semiannual: Resets Jan 1 and Jul 1(e.g., Saks Fifth Avenue)
  • Annual: Resets on your card anniversary(e.g., Travel Credits, Global Entry)

Track Partial Usage

Only used part of a credit? Click the edit icon (✏️) on any perk to track exactly how much you've used:

  • The perk will show your usage as a fraction: ($150 / $300)
  • This means you've used $150 out of the $300 total credit
  • Your unused value updates automatically to show $150 remaining

✅ Pro Tip: Toggle perks as soon as you use them so you don't forget!

3Customizing Cards & Perks

Adjust Perk Values

Card perk changed or you negotiated a better deal? Edit any perk value:

  • Tap the perk you want to adjust
  • Update the dollar amount
  • Your total unused value updates instantly

Add Custom Perks

Creating a custom card? Add your own perks with custom names, values, and reset periods.

4Free vs Premium

FeatureFreePremium
Cards3 (max 2 per issuer)Unlimited
Perk Tracking✅✅
Custom Cards/Perks✅✅
Auto-Reset✅✅
Partial Usage Tracking✅✅
Price$0
$1.99/mo
or $14.99/year
Upgrade to Premium

5Privacy & Security

  • All data stored locally on your device
  • No bank connections required or requested
  • Account needed only for Premium to sync across devices
  • We never see your card numbers or personal financial data

🔒 100% Private: Your data stays on your device. We can't see what cards you have or which perks you use.

6Tips & Tricks

📅
Set monthly reminders to review unused perks on the 1st of each month
💰
Focus on high-value perks first (dining, travel, hotel credits)
📊
Check your unused value regularly to see if your annual fee is worth it
🚀
Upgrade to Premium if you have 4+ premium credit cards
🎯
Use our card database to discover which cards have the best perks for your lifestyle

Frequently Asked Questions

What happens when I hit the 3-card limit?

You'll see a prompt to upgrade to Premium for unlimited cards. You can also remove a card to make room for a new one.

Why is there a 2-per-issuer limit on free tier?

This ensures you can track cards from multiple issuers (Amex, Chase, Capital One, etc.) on the free tier while encouraging unique card diversity.

Can I export my data?

Your data is stored locally on your device. You can manually copy it from your browser's local storage if needed. We're working on an export feature for Premium users.

Do I need to connect my bank account?

Never. Perky is a manual tracking tool. We never request access to your bank accounts or credit card logins.

How do I cancel Premium?

Go to Settings, then Manage Billing to cancel anytime. For refund requests, email support@theperkyapp.com.

What credit cards does Perky support?

Perky includes 40+ card templates across 9 issuers: American Express, Chase, Capital One, Citi, Wells Fargo, Bank of America, US Bank, Barclays, and Bilt. You can also create custom cards with your own perks.

Does Perky track loyalty points and miles?

Yes. Perky tracks 30+ loyalty programs across airlines, hotels, rental cars, card points, and retail. You can see estimated dollar values for your points and miles.

How much does Perky cost?

Perky is free for up to 3 cards and 3 loyalty programs. Premium is $1.99/month or $14.99/year for unlimited cards and programs, usage analytics, and cross-device sync.

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