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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Also available on iPhone
Download on theApp Store

Everything in one place

  • Add every card you own in under a minute
  • See reward rates for dining, travel, groceries, gas, and more
  • Track annual fee dates so you're never surprised
  • View merchant-specific bonus rates at a glance
Card wallet screenshot
Card wallet
  • Add every card you own in under a minute
  • See reward rates for dining, travel, groceries, gas, and more
  • Track annual fee dates so you're never surprised
  • View merchant-specific bonus rates at a glance
Card wallet screenshot
Spend optimizer
  • Pick a spending category and instantly see your best card
  • Your cards ranked by earn rate — highest first
  • Includes rotating quarterly bonuses automatically
  • Works across cash back, points, and miles cards
Spend optimizer screenshot
Benefits tracker
  • Track monthly, quarterly, and annual credits per card
  • Check off benefits as you use them
  • Get email reminders before credits expire
  • See your total unclaimed benefit value at a glance
Benefits tracker screenshot
Points portfolio
  • Track Chase UR, Amex MR, and other major points systems
  • See your points valued at portal and transfer partner rates
  • Monitor live transfer bonus alerts
  • Know exactly what your rewards are worth today
Points portfolio screenshot
Card recommendations
  • Answer a quick quiz about your spending habits
  • Get matched to cards that fill gaps in your wallet
  • See how much more you could earn with each suggestion
  • Tailored to your existing cards, not generic lists
Card recommendations screenshot

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.
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.

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

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
Summary
Card comparison
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
Benefits usage score
Year-by-year reports
Benefit expiry reminders
Transfer bonus alerts
5/24 status tracking
Welcome offer tracking
Payoff calculator per card

Frequently asked questions

Everything you need to know about PerkPulse

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.

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