Question 1

Why Perqt — and how is it different?

Accepted Answer

Perqt is an AI-first system that tells you whether each premium card is actually paying for itself, surfaces unused credits and benefits, and recommends better-fit cards based on your real spending. Other tools fragment rewards tracking, points, and offers; Perqt answers the one question that matters: are these premium fees worth it?

Question 2

How does Perqt connect to my cards?

Accepted Answer

Perqt uses Plaid, the same bank-grade connection layer used by major fintech apps, to securely link your credit cards in read-only mode. We never see or store your card number, and we cannot move money.

Question 3

Is my financial data secure?

Accepted Answer

Yes. Connections are read-only via Plaid, data is encrypted in transit and at rest, and Perqt never stores card numbers, CVVs, or login credentials. You can disconnect any card at any time from Settings → Connected cards.

Question 4

How much does Perqt cost?

Accepted Answer

Perqt offers a free plan to get started, plus paid plans with deeper AI recommendations, unlimited card tracking, and proactive benefit alerts. See the in-app billing page for current pricing.

Question 5

Can I cancel my subscription at any time?

Accepted Answer

Yes. You can cancel anytime from Settings → Billing. Your plan stays active until the end of the current billing period.

Question 6

Does Perqt support business or corporate cards?

Accepted Answer

Perqt focuses on personal premium credit cards today. Business card support is on the roadmap — let us know what you need via the contact form.

Quick answers to common questions

How Perqt works

Subscriptions & billing

Security & privacy

How Perqt makes money

Support & contact

Still have questions?

Quick answers to common questions

How Perqt works

Why Perqt — and how is it different?

How does Perqt actually work?

How do I link a card, and is linking required?

How often does my data sync, and how much history do you pull?

How are card recommendations generated?

Why don't I see my no-annual-fee card in your catalog?

Does Perqt track crypto and fintech cards like Apple Card, Gemini, Coinbase, and Fold?

What is Ask Perqt (the AI chat)?

Does Ask Perqt remember me across conversations?

What is Spend Autopilot?

What is the “Paste a merchant or link” chip on the home and Best-card-for pages?

Can I share a page from Safari/Chrome straight into Perqt?

Is the browser extension the same as “Install & Share from any site”?

How do the /compare/<card-a>-vs-<card-b> side-by-side pages work?

How is the “Value” shown for each benefit calculated?

How is ROI calculated?

How are points, miles, and cash back included in ROI?

What are the limitations of the points estimate?

What about Amex/Chase/BoA targeted merchant offers?

Which benefits track automatically vs. need manual logging?

If two cards share a benefit (like Priority Pass), is it double-counted?

How can I verify matches are accurate?

Why do I need to link my bank during onboarding?

What happens if I leave onboarding before finishing?

Can I use Perqt without linking my bank?

What's the difference between the Personal / Business toggle in the header and the All filter on some pages?

How do I disconnect a card or delete my account?

Subscriptions & billing

How much does Perqt cost and what's included?

What happens when I cancel my plan?

Can I cancel or downgrade an annual plan mid-term?

What happens to my cards if I downgrade to a smaller plan?

What happens if my payment fails?

Why do I have to enter my card again at checkout?

Security & privacy

How is my financial data protected?

Can Perqt move money or make purchases on my cards?

Does Perqt store my full card number or CVC?

How Perqt makes money

How does Perqt make money?

Do affiliate commissions affect which cards Perqt recommends?

Support & contact

How do I contact support?

Still have questions?