Know your true net value
Compare total annual perk value against annual fees and see your net result without doing the math yourself.
Your credit card perk command center
Stop paying for perks you forget to use.
Perqfolio brings every credit, free night, multiplier, and renewal window into one clear dashboard—so you always know what you have, what you have used, and what needs attention next.
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No bank credentials
Card catalog + custom perks
Free to start
Monthly, quarterly, semiannual, and annual benefits—organized in one view.
Portfolio value vs. feesSee whether your cards are paying off.
Every benefit cadenceMonthly through annual tracking.
Unclaimed perk visibilityKnow what needs attention next.
Hotel stay planningTurn credits and certificates into nights.
Built for real-world card benefits
A clear answer to one question: are your cards worth it?
Perqfolio turns a scattered collection of credits and certificates into a portfolio you can understand and act on.
Focus on what is still unclaimed
See progress by period, open unclaimed lists, and keep monthly or quarterly credits from quietly resetting.
Plan hotel nights, not just credits
Estimate nights from hotel credits, count free-night certificates directly, and save a plan for where each stay could be used.
Card-level organization
Your whole wallet, organized by card.
Each card becomes a clean workspace with the numbers and benefits that matter—without forcing you to sift through issuer pages and benefit guides.
Annual value, fee, and net side by sideSee which cards are creating value and which ones deserve a closer look.
Expandable perk managementOpen only the cards you need, mark benefits claimed, or add a custom perk.
Hotel-night estimates and multipliers stay attachedEverything remains connected to the card that actually provides the benefit.
Actionable tracking
Turn every benefit into a clear next action.
Perqfolio does not stop at listing benefits. It shows whether each one is available, claimed, or still waiting to be used.
Claim status is visible immediatelyMark a benefit claimed, reverse it when needed, and keep the dashboard accurate.
Every reset schedule is tracked separatelyMonthly, quarterly, semiannual, and annual benefits stay in the right period.
Dollar value and hotel-night equivalentsUnderstand both the financial value and the practical travel value of a benefit.
Hotel stay planner
Give every hotel benefit a plan before it expires.
See available nights now, annual potential, the cards that provide each stay, and the expiration date. Add planning notes so a free night becomes a trip—not another forgotten benefit.
Available, used, remaining, and annual potentialUnderstand the current period and the bigger annual picture at a glance.
Card and expiration contextKnow exactly which card provides the stay and how long you have left to use it.
Per-stay planning notesSave a destination, date, event, or idea directly with each hotel benefit.
Designed around your workflow
A dashboard that adapts to the way you use your cards.
Keep the overview simple, then open the detail you need when it is time to act.
Customizable summary
Show, hide, and arrange the summary cards that matter most to your portfolio.
Expiration awareness
Bring upcoming resets and expiring benefits to the surface before value disappears.
Claim history and progress
See what you have claimed this period, year to date, and across the life of your account.
Custom perks
Add a benefit that is not in the catalog and track it alongside the rest of the card.
Spend multipliers
Keep category multipliers close to the card so you can choose the right one for each purchase.
Privacy-friendly setup
No bank login is required. You choose the cards and benefits you want Perqfolio to track.
Simple from day one
From scattered perks to a working plan in three steps.
Start with the cards already in your wallet and build a dashboard around the benefits you actually care about.
Create your account
Get started without connecting a bank account or handing over financial login credentials.
Add your cards
Select from the card catalog, review the loaded perks, and add any custom benefit you want to include.
Claim, review, and plan
Mark perks as used, open unclaimed lists, monitor progress, and plan hotel stays before benefits expire.
Common questions
Everything you need to start confidently.
Do I have to connect my bank or card account?
No. Perqfolio is designed so you can add the cards you want to track without providing bank login credentials.
Can I track a perk that is not already in the catalog?
Yes. You can add a custom perk to a card and manage it alongside the card's other benefits.
Does Perqfolio handle different reset schedules?
Yes. The dashboard separates monthly, quarterly, semiannual, and annual benefits so each perk stays in the correct tracking period.
Can I track hotel credits and free-night certificates?
Yes. Perqfolio can show available hotel nights, annual potential, card and expiration details, and planning notes for each stay benefit.
Free to start
Make your annual fees work harder.
Build one clear view of the perks already sitting in your wallet—and start using more of the value you are paying for.
Create free account
No bank login required.