The New Standard

Perqt vs The Rest

CardPointers and MaxRewards help you track credit card rewards. Perqt is an AI Wallet Assistant — it matches your real transactions to the best card, calculates whether each annual fee is actually paying for itself, and recommends better-fit cards based on your real spend.

CardPointers

Perqt

MaxRewards

01 · Intelligence

AI transaction matching

Perqt's AI reads every charge and tells you which card you should have used — without you tagging categories or building rule sets.

02 · Clarity

Real ROI, not vibes

We add up your used credits, points earned, and benefits redeemed, then subtract the annual fee. One number per card: is it worth it?

03 · Vigilance

Benefits that don't expire on you

Statement credits, lounge passes, and travel reimbursements expire silently. Perqt flags them before they vanish.

Feature by feature

The elite comparison

Head-to-head across the features that matter most to premium cardholders.

Monthly Wallet Autopilot — one card per category, automatically

Perqt's Autopilot builds a fresh monthly playbook per user — factoring in rotating 5% categories, category caps, welcome-offer runway, and rebonus eligibility. CardPointers charges $50/yr for a rules engine you have to build yourself. MaxRewards notifies but doesn't decide.

Perqt
CardPointers: Manual rules
MaxRewards

Tracks premium AND crypto rewards cards

Only Perqt tracks the Coinbase One Card alongside Chase, Amex, Capital One, and Bilt — and values its Bitcoin rewards in dollars so every card in your wallet compares apples-to-apples.

Perqt
CardPointers
MaxRewards

AI-driven transaction matching

Perqt's AI maps every real charge to the best benefit, multiplier, or credit on the cards you already carry.

Perqt
CardPointers
MaxRewards

Real-time ROI on annual fees

Perqt tells you — in plain English — whether each premium card is actually paying for itself this year.

Perqt
CardPointers
MaxRewards

Recommends better-fit cards from your spend

Perqt
CardPointers: Limited
MaxRewards: Limited

Proactive credit & benefit alerts before expiry

Perqt
CardPointers
MaxRewards

Read-only bank connection (Plaid)

Perqt connects via Plaid in read-only mode — never stores card numbers or moves money.

Perqt
CardPointers
MaxRewards

Works on iOS, Android, and the web

Perqt
CardPointers: iOS + macOS only
MaxRewards

No manual entry or browser extension required

CardPointers relies on manual lookup and a browser extension. Perqt and MaxRewards work automatically.

Perqt
CardPointers
MaxRewards

Bilingual interface (English + Spanish)

Perqt
CardPointers
MaxRewards

Feature	CardPointers	MaxRewards
Monthly Wallet Autopilot — one card per category, automatically Perqt's Autopilot builds a fresh monthly playbook per user — factoring in rotating 5% categories, category caps, welcome-offer runway, and rebonus eligibility. CardPointers charges $50/yr for a rules engine you have to build yourself. MaxRewards notifies but doesn't decide.	Manual rules
Tracks premium AND crypto rewards cards Only Perqt tracks the Coinbase One Card alongside Chase, Amex, Capital One, and Bilt — and values its Bitcoin rewards in dollars so every card in your wallet compares apples-to-apples.
AI-driven transaction matching Perqt's AI maps every real charge to the best benefit, multiplier, or credit on the cards you already carry.
Real-time ROI on annual fees Perqt tells you — in plain English — whether each premium card is actually paying for itself this year.
Recommends better-fit cards from your spend	Limited	Limited
Proactive credit & benefit alerts before expiry
Read-only bank connection (Plaid) Perqt connects via Plaid in read-only mode — never stores card numbers or moves money.
Works on iOS, Android, and the web	iOS + macOS only
No manual entry or browser extension required CardPointers relies on manual lookup and a browser extension. Perqt and MaxRewards work automatically.
Bilingual interface (English + Spanish)

Based on each product's publicly documented features as of 2026. Names and trademarks belong to their respective owners.

At a glance

Three products, one league

Flagship Tier

Perqt

An AI wallet assistant. Connects via Plaid (read-only), watches your real spend, and answers the only question premium cardholders care about: is this annual fee actually paying for itself? The only wallet that tracks Chase, Amex, and Capital One alongside the Coinbase One Card — valuing Bitcoin rewards in dollars so every card in your wallet compares apples-to-apples.

Best for: premium + crypto cardholders who want AI to do the math

Manual Tracker

CardPointers

A long-standing iOS and macOS app for tracking card multipliers and offers. Strong on category bonus lookups and Amex Offer activation. Mostly manual: you tell it which cards you carry and look up the best one before you swipe.

Best for: manual lookup, Apple-only households

Offer Aggregator

MaxRewards

Activates card offers automatically and shows rewards balances in one place. Helpful for power users who want every offer toggled on, but light on personalized recommendations and ROI math on premium annual fees.

Best for: offer aggregation, points balance tracking

The Perqt Difference

Why an AI Wallet Assistant matters

Manual trackers and browser extensions ask you to do the work — tag categories, look up multipliers, activate offers, remember credits before they expire. Perqt flips that around: the AI does the matching, the math, and the reminders, then surfaces a single, plain-English verdict on each card in your wallet.

Choose superiority

See if your cards are actually paying for themselves

Connect your cards in under two minutes. Read-only via Plaid. No card numbers stored. Cancel anytime.

Start with Perqt Read the FAQ

For cardholders who know the difference