Free to get started · No credit card required

Get more from every
credit card you own

Know exactly which card earns the most for every purchase. Track your benefits, value your points, and discover cards that fill your gaps.

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Your data stays yours — no bank account required

PerkPulse never connects to your bank or reads your transactions. You simply add the cards you own and we do the rest. No credentials, no sensitive account data, no risk. It's the privacy-first alternative to services that require full access to your financial accounts.

No bank login required
We never see your transactions
No sensitive data stored

Everything in one place

Five tools that work together to maximize your rewards

Card wallet
Add your cards once. See reward rates, annual fee dates, and benefits — all in one organized view.
Spend optimizer
For every category — dining, travel, groceries, gas, and more — instantly see which card earns the most.
Card recommendations
Tell us what you spend on and we'll surface the cards that fill the gaps in your current wallet.
Points portfolio
See what your Chase UR, Amex MR, and other points are actually worth — at portal rates and via transfer partners.
Benefits tracker
Track your monthly dining credits, travel reimbursements, and other perks so you never leave money on the table.

Up and running in minutes

No bank account needed, no transaction access required — just add your cards and start optimizing.

1
Add your cards
Search for the cards you own and add them to your wallet in seconds.
2
See your best card
The optimizer instantly shows which card earns the most for each spending category.
3
Track and maximize
Check off benefits as you use them and monitor your points portfolio value over time.

Simple pricing

Start free. Upgrade when you want more.

Free
$0
Forever free
Get started
Up to 3 cards in wallet
Spend optimizer
Card recommendations
Points portfolio
Benefits tracker (view only)
Most popular
Pro
$4.99/month
or $34.99/yearSave 42%
Start free
Everything in Free
Unlimited cards in wallet
Annual fee reminder emails
Full benefits tracking
Benefit expiry reminders
Transfer bonus alerts
Payoff calculator per card

Stop leaving rewards on the table

The average cardholder misses hundreds of dollars in rewards each year. It takes less than two minutes to set up.

Create free account