Card Perks,
Tracked to the Penny.
You pay for the perks.
Let's make sure you use them.
Every statement credit, membership perk and travel benefit your cards carry, and exactly how much of each is left before it resets.
The first 100 on the list get a free year of PerkFolio Pro. 94 spots left. How much are you not using?
12 active
84%
Your cards, in one place.Add them and every benefit loads itself.
A credit comes through.PerkFolio records the confident matches.
Nothing resets unseen.See what's left before the window shuts.
Your whole wallet.
A much clearer picture.
What's used. What's left. What's coming up.
Click through a five-card wallet in PerkFolio.
Five cards. Every credit they carry, loaded automatically.
Pick your cards and PerkFolio loads all 29 of their recurring credits — no manual entry. Together they carry $6,997 a year against $2,960 in fees.
- $6,997
- in annual credits
- $2,960
- in annual fees
- 49%
- captured so far
- $1,275
- expired unused
- $2,321
- still on the table
How much are you not using?
Premium cards bundle hundreds in annual credits — statement credits, travel credits, monthly app credits. Most go partly unredeemed. Add the cards you carry:
Your cards
The right card, wherever you stop.
Walk into a shop and your phone already knows which card to reach for: a store perk, or the card that earns the most there.
- It waits until you stop. Walking or driving past never sets it off.
- Your location stays on your phone. Only a shop's name is checked, and clinics, schools and places of worship are never looked up.
- Quiet unless it matters. If your everyday card is already best, you hear nothing.
Venture X is the everyday card. The walk squeezes a few days into one: PerkFolio sends at most three a day, and nothing between 10 pm and 7 am.
Ask about your cards. Get answers from your own wallet.
Ask PerkFolio reads your cards, credits and bank activity, so it answers about the cards you carry, not cards in general.
- The math is done by code. Every dollar figure and earn rate comes from PerkFolio's own calculations. The AI only puts them into words.
- Only the cards you hold. It never tells you to apply for a new one.
- It says when it doesn't know. If there's no source for a perk, you hear that instead of a guess.
$43.25 closes on Nov 30 if you don't use it: $25 Digital Entertainment Credit on your Platinum Card, $10 Dining Credit on your Gold Card and $8.25 Uber Cash on your Platinum Card.
Start with the Digital Entertainment Credit. It's the biggest, and it resets to zero when the month ends.
An example conversation about the example wallet in the tour above. Its figures are worked out by PerkFolio's own code; in the app, answers come from your own cards. Rental perks as reported on October 31, 2026; check your card's terms. General information, not personal financial advice.
The first 100 get Pro.
Free, for a year.
PerkFolio opens to the public soon. Until then, the only way in is the list, and the earliest names on it get the best seat.
- A free year of PerkFolio ProFor the first 100 on the list. Locked in the day you join, no card needed.
- First through the doorInvites go out in waves, in the order people joined. Earlier means sooner.
- A say in what we buildFounding members talk straight to the founders. The next feature might be yours.
When the counter hits zero, the offer is gone.
One email when your invite is ready. No spam, ever.
- Join with your emailTakes five seconds. No password yet.
- Get your inviteWe email you the moment your spot opens.
- Add your cardsEvery credit loads itself in under a minute.
A clearer picture. A simpler start.
When can I get in?
Soon. PerkFolio is invite-only until launch, and invites go out in waves in the order people joined the list. Leave your email and we'll write the moment your spot opens. Already a member? Log in as usual.
How does automatic tracking work?
Link a bank through Plaid and PerkFolio watches for the statement credits your issuer posts. When one comes through, it's matched to the benefit it belongs to and the amount is recorded, so you see $5 left instead of guessing. Confident matches record themselves; anything less certain waits for you to confirm. A purchase on its own never counts as a credit used.
Do I have to connect my bank?
No. Add your cards from the catalog and tick off credits yourself. Linking a bank just saves you the ticking.
Does PerkFolio redeem my benefits?
No. PerkFolio tracks what you have, what you've used and what resets next. You still use each benefit with the merchant or issuer, under their terms.
Will I find my cards?
The catalog covers the most-carried premium cards from Amex, Chase, Capital One, Citi and more, and it grows. Card benefits change, so always check your issuer's current terms.
Is it free?
Yes. Tracking your cards is free. The first 100 people on the early-access list also get a free year of PerkFolio Pro.
Take your perks
to their peak.
94 of 100 founding spots left, each with a free year of PerkFolio Pro.