You just don't know what actually came back. Scroll to explore what your wallet is really worth — no card required.
MEASURE VALUE
Perqt changes that by using AI to measure the real value of every card in your wallet and deliver personalized recommendations built around you.Discover your value
Your wallet value
My AI Wallet
IllustrativeYear-To-Date Value
Net Value YTD
+$01234567890,012345678900123456789001234567890
012345678900123456789001234567890% ROI on annual fees
Annual fees
$2,890
Redeemed YTD
$2,180
See what is working
Value Analytics
IllustrativeNet value trend
Measured YTD
+$01234567890,012345678900123456789001234567890
+18.4%
Benefits captured
76%
Value this month
$842
Credits used
$1,430
Missed value
$310
Know what to do next
Perqt Insights
IllustrativeNext best actions
At checkout
Use Gold for dining
Before it expires
Use airline flight credit
Projected annual lift
+$740
from personalized actions
SET UP
Three secure steps turn the cards you already carry into an AI Wallet built around you.
Step 1: Create your account
Create your private AI Wallet with your email address and a unique password. Your account becomes the secure home for your personalized card strategy.
Step 2: Securely connect your credit cards
Connect through Plaid’s robust, encrypted security infrastructure using read-only access. Perqt never asks for or stores your card number, security code, or banking institution credentials.
Step 3: Perqt begins working for you
Perqt organizes your cards, tracks benefits and credits, monitors annual fees and renewal dates, surfaces expiring value, recommends which card to use, and guides your next best wallet decision.
Discover
Credits you never used. Benefits you never enrolled in. All of it real, all of it already paid for. Explore all Credit Cards tracked by Perqt.
Real published benefits. Your own missed value is measured from your linked cards.
UNREALIZED VALUE ACROSS THESE CARDS
$1,427
Act
Not another dashboard to study but tailored and personalized actions and moves that are worth making right now.
Built from live catalog data. Your own plan is built from your linked cards and spending.
Today
Enroll before it lapses
Eight Sleep Pod and Base credit — Robinhood Platinum Card
This week
Use a different card this week
Chase United Quest
At checkout
Route spend to the higher-value card
Perqt sees Citi AAdvantage Globe Mastercard earns more points here than your default card. It surfaces the swap before you tap pay.
Before it expires
Set a reminder for expiring credits
Function Health membership on Robinhood Platinum Card has a reset cadence. Perqt will alert you 30 and 7 days before it lapses so you can use it, not lose it.
Before renewal
Finish a bonus already in motion
American Express Schwab Platinum · $12,000 spend requirement
Maximize
One answer. One card. No table to read.Best Card for creating value
Let me show you how Ask Perqt works.
Choose a scenario to see how a typical Ask Perqt interaction flows.
Choose one on the left to see Perqt answer.
Signed in, Perqt answers with the cards you actually carry — at checkout, in chat, or in your browser.
Find my best cardMaximize
Perqt tracks your progress, qualifying spend, and remaining time—keeping you on track to earn every welcome offer, separately from the ongoing value your wallet delivers each year.
Offer 1
Potential offer value (Perqt estimate)
~$1,600
Earn 80,000 Membership Rewards points after spending $12,000 in purchases on your Platinum Card from American Express Exclusively for Charles Schwab in your first 6 months of Card Membership.
Spent
Link to measure
Commitment
$12,000
Offer 2
Potential offer value (issuer-stated)
$1,500
Earn 75,000 bonus points after spending $6,000 on purchases and paying the annual fee in full, both within the first 90 days.
Spent
Link to measure
Commitment
$6,000
Offer 3
Potential offer value (issuer-stated)
$1,500
Earn 150,000 bonus miles when you spend $30,000 in the first 3 months.
Spent
Link to measure
Commitment
$30,000
Decide
Published value is the same for everyone. Your value never is.Explore all card comparisons
Comparison 01
mastercard
Annual fee
$1,199
Reward edge
2× airfare
Where it earns its place
Luxury Card Travel hotel benefits
$750 stated value
$300 annual airline credit
$300 stated value
24/7 Luxury Card Concierge
$250 stated value
Best aligned with
The Luxury Card Mastercard Gold Card is a premium 24-karat-gold-plated metal Mastercard issued by Barclays, with a $1,199 annual fee and luxury travel and concierge benefits.
visa
Annual fee
$795
Reward edge
10× hotels and car rentals
Where it earns its place
Common Carrier Travel Accident Insurance
$1,000,000 stated value
Emergency Evacuation and Transportation
$100,000 stated value
Auto Rental Collision Damage Waiver
$75,000 stated value
Best aligned with
The J.P. Morgan Reserve is an ultra-exclusive, invitation-only premium credit card offered by Chase to its private wealth management clients, known for its heavy metal design and extensive luxury travel benefits.
Comparison 02
visa
Annual fee
$695
Reward edge
11× eligible United flights
Where it earns its place
Emergency Evacuation and Transportation
$1,000 stated value
Free first and second checked bags
$440 stated value
JSX statement credit
$200 stated value
Best aligned with
The United Club℠ Infinite Card is a Chase-issued premium United Airlines co-branded credit card with a $695 annual fee. It includes United Club membership and travel benefits such as free checked bags and expanded access to United award seats.
mastercard
Annual fee
$595
Reward edge
12× eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
Where it earns its place
First checked bag free
$140 stated value
Global Entry or TSA PreCheck application fee credit
$120 stated value
Avis and Budget prepaid rental credit
$120 stated value
Best aligned with
The Citi® / AAdvantage® Executive World Elite Mastercard® is Citi’s premium American Airlines co-branded card, with a $595 annual fee and Admirals Club membership as a core travel benefit.
Decide
Link your cards once. Perqt measures what they return, finds what you're leaving behind, and tells you what to do next.
