Perqt AI Wallet logo
Perqt vs. CardPointers vs. MaxRewards

The AI That Runs Your Premium Wallet.

AI-powered intelligence for every premium credit card you own.

CardPointers helps optimize purchases. MaxRewards helps track rewards and offers. Perqt uses AI to understand, manage, and maximize the value of your entire premium credit card wallet.

Annual fees. Benefits. Credits. Welcome offers. Travel status. Renewal decisions. Everything working together in one intelligent premium wallet.

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Perqt AI Wallet logo
Perqt
Ca
CardPointers
Ma
MaxRewards

Positioning

More than rewards.

Most credit card apps focus on points, offers, or purchase recommendations. Perqt uses AI to understand your complete premium wallet.

Instead of helping with one purchase, Perqt helps you make smarter decisions throughout the life of every premium credit card you own — from the day you apply until the day you renew, downgrade, or replace it.

Perqt

Uses AI to understand, manage, and maximize the value of your entire premium credit card wallet — not just individual purchases.

Built For Premium Wallets

CardPointers

Helps users decide which card to use at checkout while managing recurring credits and issuer offers.

MaxRewards

Helps users track rewards, benefits, offers, and connected credit card accounts.

How Perqt thinks

Measure. Manage. Optimize. Plan.

01 · Measure

Know what every premium card is actually worth.

Perqt turns annual fees and benefits into a single, honest number per card — so you can see, without spreadsheets, whether each card is paying for itself.

  • Annual fee offset
  • Confirmed benefit value
  • Net card value
  • Travel status valuation
  • Wallet-level value

02 · Manage

Stay ahead of your premium wallet.

Statement credits, lounge passes, and reimbursements expire quietly. Perqt surfaces the next few things worth doing so nothing slips through.

  • Monthly action queue
  • Benefit reminders
  • Expiring credits
  • Renewal guidance

03 · Optimize

Optimize your entire wallet — not just one purchase.

Best-card guidance at the register is table stakes. Perqt goes further: it matches transactions to benefits, and recommends better-fit cards based on how you actually spend.

  • Best card recommendations
  • Better-fit card recommendations
  • AI transaction matching
  • Premium and crypto rewards cards

04 · Plan

Use AI to make smarter future card decisions.

The right next card depends on eligibility, timing, and the shape of your existing wallet. Perqt thinks through those decisions with you.

  • Welcome offer tracking
  • What-if analysis
  • Card planning

Feature by feature

Grouped by what matters

Organized around the four pillars above, using publicly documented behavior for each product.

Measure

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
Limited
MaxRewards
Limited

Wallet-level net value across all cards

Perqt rolls annual fees, confirmed benefit value, and rewards earned into a single wallet-level number.

Perqt
CardPointers
MaxRewards

Tracks premium and crypto rewards cards

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

Perqt
CardPointers
MaxRewards

Manage

Personalized monthly wallet strategy

Perqt Autopilot builds a personalized monthly plan around your benefits, rotating categories, welcome offers, and eligibility windows.

Perqt
CardPointers
MaxRewards

Proactive credit & benefit alerts before expiry

Perqt
CardPointers
MaxRewards

Renewal, downgrade, and product-change guidance

Perqt models the renew / downgrade / product-change decision at the end of each card year.

Perqt
CardPointers
MaxRewards

Optimize

AI transaction matching to benefits

Perqt automatically detects eligible benefits when transaction evidence is deterministic, and lets you confirm ambiguous cases in one tap.

Perqt
CardPointers
Limited
MaxRewards
Limited

Best-card recommendation at the point of spend

Perqt
CardPointers
MaxRewards

Better-fit card recommendations from your real spend

Perqt
CardPointers
Limited
MaxRewards
Limited

Plan

Welcome offer tracking and progress

Perqt
CardPointers
Limited
MaxRewards
Limited

Read-only bank connection (Plaid)

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

Perqt
CardPointers
No bank connection
MaxRewards

Works on iOS, Android, and the web

Perqt
CardPointers
MaxRewards

Bilingual interface (English + Spanish)

Perqt
CardPointers
MaxRewards

The bigger question

The question isn't only which card to use.
It's which cards deserve a place in your wallet.

Rewards optimization begins at checkout. Perqt uses AI to help you understand the complete value of your premium wallet.

Annual fees. Benefits redeemed. Credits remaining. Travel status. Welcome offers. Renewal timing. Overall wallet value.

Perqt helps premium cardholders make smarter decisions across the entire lifecycle of every premium credit card.

Illustrative Perqt Analysis

A single card, seen clearly.

Premium wallet

American Express Platinum

Annual Fee
$895
Confirmed Value
$2,340
Benefits Remaining
$1,245

Recommendation

Currently exceeding annual fee by $1,445.

Illustrative example · Not customer data

Let AI Run Your Premium Wallet.

Understand what every premium card is worth.

See where value remains.

Know what deserves your attention next.

Make smarter premium card decisions with AI.

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