# PerkyCredits: Credit Cards — Track & Maximize Rewards

> Credit card rewards tracker and airport lounge finder. (iPhone/iPad app by Precipitous Lab LLC.)

- Source: https://appshunter.io/ios/app/perkycredits-credit-cards/id6755416376 (this page in markdown: same URL + `.md`)
- Developer: [Precipitous Lab LLC](https://appshunter.io/developer/1853759721)
- Category: Finance, Travel
- Price: Free with in-app purchases
- Rating: 4.90/5 from 74 App Store ratings · 18 written reviews indexed
- Age rating: 4+
- Requires: iOS 18.0 · 102 MB
- Languages: American English
- Released: 2025-11-25
- Data updated: 2026-09-05
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/perkycredits-credit-cards/id6755416376/reviews.md

## What is PerkyCredits?

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

## Key features

- Credit card rewards tracking
- Airport lounge search
- Automatic credit reset
- Customizable card multipliers
- Organize credit card perks
- Add custom credit cards

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Premium - Monthly | $4.99 | per month |


## Recent user reviews (10 of 18)

All indexed reviews: https://appshunter.io/ios/app/perkycredits-credit-cards/id6755416376/reviews.md

### 5/5 — Very helpful app!

*2026-07-15*

Helps me keep all my Amex and Chase benefits organized

### 5/5 — Great

*2026-07-09*

Pretty solid. UX could use improvement but UI is otherwise clean. Cards tab feels cluttered and Categories feels underutilized; thing realignment with these could be useful. Home tab feels overly redundant and not too useful compared to other tabs. Lots of great elements within the app but just need some reordering to really clean it up. Excited to see where this app goes. 

Also Amex Blue Everday has the old design. Chase Freedom Flex categories seem bugged on the suggested cards. The recommended cards for transit/travel is kinda annoying since it always suggests the 5x or 10x from within their own travel portal.

### 5/5 — Can’t get past onboarding screen

*2026-06-04*

Update : developer reached out and resolved the issue, amazing support!

After selecting cards in onboarding, I click get started but nothing happens. I’m stuck selecting cards.

**Developer response:** Hi Jeff, that's super concerning to hear. Would appreciate it if you could reach out to me at will@perkycredits.com so we can look into your issue. 
I'm not able to replicate the onboarding issue.

### 5/5 — Credit card points necessity.

*2026-05-21*

All the things you need in one location to help you maximize your credit card, transfer bonuses, credit, annual fees. Game changer.

### 5/5 — Effortless All in One Credit Card Tracking That Actually Keeps Your Spending in Check

*2026-04-19*

If you trying to get a grip on your spending without constantly logging into your different bank app, this app is a surprisingly practical solution.

Clean design, easy to use. What stands out immediately is how you see everything in one page. I used it for a few months and noticed the app has more features including credit card promotions and lounge access. It is a solid tool for anyone who wants an all in one finance app and who wants a clearer picture of their spending habits.

### 5/5 — Useful

*2026-04-19*

This app tracks all my credit card expenses. Helps me stay under the budget. Also the lounge information is a nice touch

**Developer response:** Thank you for the feedback! Glad it's useful for all your needs!!!

### 5/5 — Hallelujah

*2026-03-12*

Finally, someone figured out how to centralize all the information needed to maximize earning categories and track our coupon book deals. Thank you!

### 5/5 — Organizer

*2026-03-08*

Simple credit organizer that’s intuitive to use

### 5/5 — What I needed

*2026-02-26*

Great app. Will get better over time.

### 5/5 — Helpful Tool

*2026-02-10*

Really great tool that helps you keep track of your benefits. Thank you!

## Frequently asked questions about PerkyCredits

### What does PerkyCredits do?

PerkyCredits helps you track your credit card rewards and find airport lounges. It allows you to mark credits as used, which automatically reset for the next billing cycle. The app supports thousands of credits from major issuers and lets you add custom cards.

### How do I track my credit card rewards?

You can add your credit cards to PerkyCredits and mark credits as used. The app will then automatically reset these credits at the beginning of your next billing cycle, ensuring you always know your available rewards.

### Is PerkyCredits free to use?

The app is free to download and use, with the option for in-app purchases. This allows you to access core features for tracking rewards and finding lounges without an upfront cost.

### What kind of credit cards are supported?

PerkyCredits supports thousands of credits across all major credit card issuers. If your specific credit card or its benefits are not yet listed, you have the option to add a custom credit card.

### Can I customize my credit card benefits?

Yes, you can customize your card's percentage multipliers and organize your categories to better manage your perks. This feature helps you discover and utilize your benefits more effectively.

## Version history (last 5 releases)

### 1.2.45 — 2026-08-23

Improve visuals on homepage
New what's possible award flight discovery

### 1.2.44 — 2026-08-16

Minor update/bug fix change
- Offline mode
- Improved animations and graphics

### 1.2.43 — 2026-08-14

Minor update/bug fix change

Add splash screen
Improve what's considered credits
Allow sign up offer tracking
Fix bugs related to closed cards in QuickPay
Add ability to enable/disable credits

### 1.2.42 — 2026-07-29

Minor cosmetic update to include new UI elements

### 1.2.41 — 2026-07-27

Improve onboarding experience

## Apps similar to PerkyCredits

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| --- | --- | --- | --- |
| [Credit Card Tracker: CardStack](https://appshunter.io/ios/app/credit-card-tracker-cardstack/id6759270863) | 4.5 (42) | Free | Finance |
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| [Cardsy: Credit Card Tracker](https://appshunter.io/ios/app/cardsy-credit-card-tracker/id6761130681) | 4.7 (12) | Free | Finance |
| [Symphony: Save & Earn](https://appshunter.io/ios/app/symphony-save-and-earn/id6758022445) | 4.9 (97) | Free | Finance |

## Related topics

[credit card rewards travel](https://appshunter.io/ios/topics/credit-card-rewards-travel) · [creditcard track rewards](https://appshunter.io/ios/topics/creditcard-track-rewards) · [credit card tracker points](https://appshunter.io/ios/topics/credit-card-tracker-points)

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-05.*