Subscriptions come first
Paid Perqt plans are our primary revenue source. That's what keeps the lights on, the recommendations sharp, and the product accountable to you — not to advertisers.
Advertiser Disclosure
How Perqt makes money — without tilting your picks
Perqt is an independent tool built to help you maximize the cards you already own. To keep the core product accessible, we participate in affiliate programs with some issuers. Here's exactly how that works.
Last reviewed July 5, 2026
01 · The four pillars
What we stand on
Affiliate commissions, when they apply
If you click an 'Apply' link for a card and are approved, the issuer or affiliate network may pay Perqt a one-time bounty. You pay nothing extra, ever. The card terms you see are identical to applying directly.
Picks stay neutral
Card suggestions come from your real spending, the benefits you actually use, and the rewards math of each card. Affiliate cards are not ranked higher. Non-affiliate cards are not hidden. The algorithm doesn't know — or care — which cards pay us.
Trademarks belong to the issuers
Card art, issuer names, and network logos (Visa, Mastercard, American Express, Discover) are property of their respective owners and used for identification. Where Perqt hasn't licensed official artwork, cards appear as stylized representations.
02 · Neutrality ledger
What changes when a card pays us — and what doesn't
Cards ranked by your spending fit
YesThis is the core of every recommendation.
Cards Perqt earns nothing on are shown
YesIf it fits your wallet, you see it.
Affiliate cards bumped up the list
NoRanking is decoupled from revenue.
Hidden fees or markups when you apply
NoIssuer terms are identical to applying directly.
Your data shared with issuers
NoAffiliate clicks pass anonymous tracking IDs only.
| Behavior | Happens? | Why |
|---|---|---|
| Cards ranked by your spending fit | Yes | This is the core of every recommendation. |
| Cards Perqt earns nothing on are shown | Yes | If it fits your wallet, you see it. |
| Affiliate cards bumped up the list | No | Ranking is decoupled from revenue. |
| Hidden fees or markups when you apply | No | Issuer terms are identical to applying directly. |
| Your data shared with issuers | No | Affiliate clicks pass anonymous tracking IDs only. |
03 · The fine print, spelled out
Commitments & confirmations
Our commitments to you
- Disclose affiliate links clearly wherever they appear
- Never claim 'best' or 'lowest rate' without data to back it
- Show 'Terms apply' near every rate or rewards figure
- Never sell your data to anyone — affiliated or not
- Tell you when an affiliate relationship exists for a card
Always confirm with the issuer
Card offers move fast. Treat anything you read on Perqt as a starting point — the issuer's site is the source of truth the moment you apply.
Subject to issuer terms & approval
Pricing, eligibility, and benefits are set by the issuer — not by Perqt.
Rates, fees & rewards can change
APR, annual fee, welcome bonus, and category multipliers may update at any time.
Verify on the issuer's official site
Confirm the current details before you submit any application.
Spot something off?
Questions about how we make money?
If anything here is unclear, or you spot something that feels off, tell us. We will answer promptly.