PerkyCredits: Credit Cards
Track & Maximize Rewards
Free · In‑App Purchases
Perky Credits is the all-in-one credit card rewards tracker, benefits manager, and spending optimizer. Track and automate card credits, maximize points and miles, search airport lounges, monitor transfer bonuses, activate offers from banks such as Amex Chase Citi and Bank of America, optimize spending categories, and always know which card to use — free.
The average premium cardholder wastes $1,000s in unused benefits every year on forgotten airline credits, expired streaming perks, lapsed free night certificates. PerkyCredits makes sure you use every one.
CREDIT CARD CREDIT TRACKER
Track every credit across all your cards: Uber, DoorDash, hotel, wellness, travel and more. Credits auto-renew each period. Swipe to mark used. Mute credits you skip. Set realized values. Get reminders before credits expire. Setup Autopilot and you won’t even have to click!
BEST CARD RECOMMENDATIONS
QuickPay uses your location to instantly show which credit card earns the most at any store, restaurant, or gas station. Wire it to your Action Button and pay with the best card with one tap without opening the app.
AUTOPILOT AUTOMATIC CREDIT TRACKING
Link accounts to automatically detect when credits are redeemed. Auto-backfills transaction history for a complete spending picture. No manual input needed.
CREDIT CARD OFFERS
Chrome extension activates offers from American Express, Chase, Citibank, and Bank of America across all cards with one click. Add the same offer to multiple Amex cards at once. Browse and activate hundreds of card-linked offers instantly.
SPENDING CATEGORY OPTIMIZER
Cards ranked by rewards rate for every category: dining, groceries, gas, travel, hotels, streaming, online shopping, drugstores and more. Smart Point Valuation or custom valuations by loyalty program or card. Custom cards, custom multipliers, custom categories. Supports multiples of the same card.
AIRPORT LOUNGE FINDER
Search airport lounges worldwide. Filter by your cards: Centurion Lounge, Priority Pass, Delta Sky Club, Capital One Lounge, United Club, Admirals Club and more. See nearby lounges with location enabled. Join select waitlists from the app.
POINTS MILES AND CERTIFICATE TRACKER
Track rewards: Chase Ultimate Rewards, Amex Membership Rewards, Capital One Miles, Citi ThankYou Points, Bilt, Delta SkyMiles, American Airlines, United MileagePlus, Southwest, Marriott Bonvoy, Hilton Honors, Hyatt, IHG and more. Free night certificates, companion passes, upgrade certs.
TRANSFER BONUS MONITOR
Active transfer bonuses on your home screen. Browse transfer partners, compare ratios, maximize point value before promotions expire.
ANNUAL FEE ANALYZER
See if each card is worth its annual fee. Compare realized value from credits, offers, and rewards against what you pay. Data-driven keep or cancel decisions.
BUDGETING AND FINANCE
Review transactions across all accounts. Budget by category with custom tags. Complete financial overview and investment alongside your credit cards.
WHAT USERS SAY
"Genuinely one of the best credit card tools on the market."
"I don't think you'll ever need another app to organize your points and miles."
"If you pay annual fees on premium cards, don't let benefits go unused."
SUPPORTED CREDIT CARD ISSUERS
Chase, American Express, Capital One, Citibank, Bank of America, Discover, Wells Fargo, US Bank, Barclays, USAA, Navy Federal Credit Union, Goldman Sachs, Synchrony and more. Create custom cards if yours is not listed.
Download free. No forced integrations. Track all credit card rewards, benefits, points, miles and perks in one place.
terms of use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
terms: https://perkycredits.com/terms
privacy policy: https://perkycredits.com/privacy
Minor cosmetic update to include new UI elements
The developer, Precipitous Lab LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Location
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Precipitous Lab LLC
- Size
- 105.1 MB
- Category
- Finance
- Compatibility
Requires iOS 18.0 or later.
- iPhone
Requires iOS 18.0 or later. - iPad
Requires iPadOS 18.0 or later.
- iPhone
- Languages
- English
- Age Rating
4+
- 4+
- In-App Purchases
Yes
- Premium - Monthly $4.99
- Copyright
- © 2026 Precipitous Lab