Comparison

CardPointers for Credit Cards vs Perki

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

CardPointers for Credit Cards

Maximize your credit card rewards by automatically tracking category bonuses and offers. Get real-time recommendations for the best card to use at stores and online, and easily manage your offers. Save money and earn more points, cashback, and miles daily.

Highlights
  • Automatic category bonus tracking
  • Real-time card recommendations
  • Offer management and activation
  • Siri and chatbot integration
  • Location-based store suggestions
  • Safari web extension for online shopping
  • Apple Watch app
Features
Currently charting
Read full description

CardPointers will save you money and earn you more cash back, points, and miles every day by maximizing your card's category bonuses, offers, and welcome bonuses. More than 1 million users use CardPointers to help them automatically save over $750 every year! The app automatically tracks every category bonus and recurring bank credits from over 5,000 credit cards and helps you auto-add and use your Amex, Chase, Bank of America, Citibank, Wells Fargo, and US Bank offers to save even more money every day. Make sure you're using your best card every time to maximize your points: ask Siri, "CardPointers here", and you'll immediately know which of your cards to use at the store that you're in to maximize your points or cashback, all without even opening the app -- because no one wants to be the person holding up the line. Wish you had a chatbot which knows everything about your cards and offers? Now you do! Say "Siri, ask CardPointers", and it will answer any question you have about your wallet. Turn on AutoPilot from the app or a shortcut and it will automatically use your location to tell you your best card (or offer) as you go from store to store. Safely and securely, as no location information ever leaves your device. If you use have cards with Amex, Chase, BoA, Citi, Wells Fargo, or US Bank, you'll have access to 100s of offers with in-app auto-syncing, which adds all of your offers for you across all of your cards while you sleep. Your credentials are always stored safely, on-device. Thanks to the Safari Web Extension, you'll even know which card to use while shopping on the web thanks to integrated Shopping Pointers, with support for thousands of merchant sites. There's even a great Apple Watch app which shows you your best card at nearby stores. Whether you're new to credit cards and "travel hacking" or you already have 20+ credit cards to your name, this is the app to help you earn tens of thousands more points, miles, and cash back every year, and ensure that you always have the best cards available in your wallet. All without having to sacrifice your privacy thanks to the largest database of credit cards available. CardPointers integrates all of the latest Apple features, including: - Designed for Liquid Glass with full resizability - Fully integrated with Siri AI and Visual Intelligence - AutoPilot uses Live Activities to show you the best card to use for each store as you travel, and will automatically appear on your Apple Watch + CarPlay - Widgets of every size, including XL - New integrations into Spotlight for all of your cards and offers, plus new App Intents and Shortcuts - New controls and configurable widgets for Apple Watch - Interactive widgets and snippets let you redeem offers, navigate your pointers, and more, from your home screen & lock screen - Passkeys by default to further protect your account - Location Reminders using native region-based notifications stored solely on-device - Safari Web Extension (Shopping Pointers and automatic Offers Activation) - Full accessibility for VoiceOver and voice control support - Extensive keyboard support - Fully independent Watch app with rich complication family support + widgets You don't even need to launch the app to be able to quickly get the information that you need, thanks to the integrated lock screen widgets, app shortcuts, donated intents which show up in the system search for any matching category, Spotlight search, and quick action menus from the home screen. Over 5,000 cards from 900 different banks are fully supported across the world, and if any are missing you can add them yourself, in any country. Here are just some of the banks which are supported: Chase American Express (AmEx) Citibank Discover Capital One Goldman Sachs Bank of America (BofA) Barclaycard Synchrony Bank Wells Fargo US Bank Target Bank USAA -- Privacy Policy: https://cardpointers.com/privacy/ Terms of Use: https://cardpointers.com/terms/

About

Perki

This app helps you track and utilize all the benefits offered by your credit cards. It automatically loads perks and allows you to log usage, preventing you from losing money on unused benefits. Get personalized reminders to ensure you never miss a deadline.

Highlights
  • Track all credit card perks
  • Log perk usage with one tap
  • Dashboard with utilization rates
  • Customizable reset date tracking
  • Perk expiration reminders
  • Built-in perk library
  • On-device data storage
Features
Read full description

You pay for perks every year whether you use them or not. Dining credits. Streaming reimbursements. Travel benefits. Statement credits that reset monthly, quarterly, or annually. Most people forget half of them — and that's exactly what the card companies are counting on. Perki fixes that. TRACK EVERY CARD. USE EVERY PERK. Add your credit cards from Perki's built-in library and we'll pre-load every perk they offer. Customize amounts, reset dates, and cadences. Add perks we missed. Remove ones you don't care about. Your cards, your perks, your rules. ONE TAP TO LOG. INSTANT PROGRESS. Every time you use a perk, tap to log it. Watch the progress bar fill. See exactly how much you've used and how much is still on the table. When a perk hits 100%, Perki stops tracking it — you're done. YOUR DASHBOARD TELLS THE REAL STORY. The Dollars at Risk number is what gets people. That's the total value of perks expiring soon that you haven't used yet. Not hypothetical money — real benefits you already paid for that you're about to lose. The dashboard also shows your utilization rate, what's resetting soon, and recent activity across all your cards. NOTIFICATIONS THAT ACTUALLY HELP. Set Perki to remind you before a perk resets — days, a week, or a month out. Choose your tone: Friendly: "Nudge nudge — $15.00 in Dining Credit on Amex Gold disappears in 3 days." Roast: "$15.00 in Dining Credit. 3 days. You've been warned. Again." BUILT FOR HOW YOU ACTUALLY USE CARDS. • Full perk library for major issuers — Chase, Amex, Citi, Capital One, and more • Monthly, quarterly, biannual, and annual reset cycles • Per-perk notifications with customizable lead time and frequency • Complete usage history with edit and delete • Search and sort across all your perks • Dashboard warnings configurable per reset cadence • Designed exclusively for iOS 26 YOUR DATA STAYS ON YOUR DEVICE. No subscriptions. No account required. No data sent anywhere, ever. Perki runs entirely on-device using Apple's SwiftData framework. Nothing leaves your phone.

Screenshots

CardPointers for Credit Cards4 screens
Perki4 screens

Verdict

The call

The clearest difference is in-app purchases: Perki at none against CardPointers for Credit Cards's 17. Perki also leads on review sentiment (100% vs 79%) and rating (5.0 vs 4.7). CardPointers for Credit Cards's advantage is ratings volume (10K vs 4) and chart position (#48 vs unranked). On price, update cadence and ads there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. CardPointers for Credit Cards sells 16 in-app purchases, starting at $6.99 per month. Perki asks for nothing beyond the download.

ReceptionRating · Positive reviews · Number of ratings

Perki holds the better App Store score, 5.0 against 4.7. That said, the two scores are not equally well evidenced: CardPointers for Credit Cards has 10K ratings behind it against 4, so its average is the more settled of the two. Written reviews point the same way: 79% of CardPointers for Credit Cards's written reviews are positive against 100% of Perki's.

UpkeepUpdate frequency

CardPointers for Credit Cards ships an update every 4 days, Perki every 3 days. The most recent releases landed on October 24, 2026 and September 25, 2026 respectively.

Scorecard8 real differences · 3 level
CardPointers for Credit Cards versus Perki: the parameters behind the verdict, then further details
ParameterCardPointers for Credit CardsPerki
PriceFreeFree
Rating4.7 (10K ratings)5.0 (4 ratings) — better
Positive reviews78.5% of reviews100.0% of reviews — better
Number of ratings10K — better4
Update frequencyEvery 4 daysEvery 3 days — better
AdsNoNo
In-app purchasesYesNo — better
MonetizationFree with in-app purchasesFree — better
Best chart rank#48 — better—
DevicesiPhone, iPad, iPod, Mac, Apple Watch, Vision Pro — betteriPhone
Requires iOS15.0 — better26.2
Further details — not scored
Size117 MB5 MB
Age rating4+4+
DeveloperCardPointers LLCTristan Onfroy

Customer experience

CardPointers for Credit Cards

All ratings10,405 ratings
Positive92.8%
Neutral2.7%
Negative4.4%
Written reviews545 reviews
Positive78.5%
Neutral5.3%
Negative16.1%

Perki

All ratings4 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews2 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

CardPointers for Credit Cards

Reported bugs

2 issues
  • Inconsistent data across devices
  • Inability to edit card details

Requested features

3 requests
  • Location-based card recommendations
  • Ability to adjust bonus categories
  • Option to track multiple cards of the same type

Perki

Not enough reviews yet to summarise bugs or requests.

In-app purchases

16 purchases

CardPointers for Credit Cards

Subscriptions9
  • CardPointers+3 Days trial$6.991 Month
  • CardPointers+3 Days trial$7.991 Month
  • CardPointers+3 Days trial$9.991 Month
Show 6 more
  • CardPointers+3 Days trial$11.991 Month
  • CardPointers+3 Days trial$59.991 Year
  • CardPointers+7 Days trial$59.991 Year
  • CardPointers+7 Days trial$71.991 Year
  • CardPointers+7 Days trial$89.991 Year
  • CardPointers+7 Days trial$99.991 Year
One-time7
  • Tiny Tip$0.99
  • Small Tip$1.99
  • Medium Tip$4.99
Show 4 more
  • Large Tip$9.99
  • CardPointers+ (Lifetime)$139.99
  • CardPointers+ (Lifetime)$199.99
  • CardPointers+ (Lifetime)$239.99
None

Perki

No in-app purchases

Questions

Is CardPointers for Credit Cards free?
CardPointers for Credit Cards is free to download, with in-app purchases available.
Is Perki free?
Perki is free to download, with no in-app purchases.
Which has better reviews, CardPointers for Credit Cards or Perki?
Perki is rated higher. CardPointers for Credit Cards averages 4.7 out of 5 from 10K ratings, while Perki averages 5.0 from 4 ratings.
Do CardPointers for Credit Cards or Perki have ads?
Neither CardPointers for Credit Cards nor Perki shows ads.
Which is updated more often, CardPointers for Credit Cards or Perki?
CardPointers for Credit Cards ships an update every 4 days, and Perki every 3 days. Most recently, CardPointers for Credit Cards was updated on October 24, 2026 and Perki on September 25, 2026.

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