Comparison

Credify vs Perqly

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

Head to head
About

Credify

This app helps you track and redeem credit card perks without linking sensitive financial information. It provides a unified dashboard, smart reminders for expiring benefits, and insights to maximize your return on investment.

Highlights
  • Unified dashboard of credit card benefits
  • Smart reminders for expiring perks
  • One-tap redemption via deep links
  • Track return on investment (ROI)
  • Privacy-first, no bank linking required
Features
Read full description

You're paying $500+ in annual fees. Are you getting your money's worth? 42% of premium cardholders leave $400–$800 on the table every year. That's $2.4 billion in unused perks annually — money that goes straight back to the banks. Credify changes that. Our privacy-first app (no bank login required!) is your intelligent command center for maximizing credit card benefits across 14 major cards and 100+ perks. WHAT MAKES CREDIFY DIFFERENT AI-POWERED OPTIMIZATION Our OpenAI-powered assistant delivers personalized strategies for your specific cards. Ask anything — "How do I maximize my Amex credits?" or "What's the best way to stack my CSR benefits this month?" EXCLUSIVE CREDIFY HACKS Insider strategies the banks don't advertise: • Stack Uber Cash + Uber One on Amex Platinum for waived delivery fees and 5% off Eats • Use airport lounge day passes ($59–$79) to maximize your airline fee credit — confirmed for 2026 • Book through Chase Travel to stack The Edit + Select Hotel credit on one stay (~$500 back) • Equinox+ annual plan costs exactly $300 — covers the full Platinum credit without a gym near you • Use your Hilton Annual Night at Waldorf Astoria or Conrad — no points cap means $1,000+ rooms NEVER MISS ANOTHER PERK • Smart alerts before benefits expire (not after!) • Visual dashboard shows all your perks at a glance • Monthly, quarterly, and annual benefits tracked automatically • Real-time ROI tracking shows exactly when you break even on annual fees FRICTIONLESS REDEMPTION • Swipe to redeem — deep-links directly to Uber, DoorDash, and more • One-tap access to all your benefit portals • Track redemptions instantly without checking statements PRIVACY FIRST Unlike competitors, we NEVER ask for bank logins or credit card numbers. Your financial data stays yours. CURRENTLY TRACKING Amex Platinum · Gold · Green · Blue Cash Preferred Chase Sapphire Reserve · Sapphire Preferred Capital One Venture X · U.S. Bank Altitude Reserve Hilton Honors Aspire · Delta SkyMiles Reserve Marriott Bonvoy Brilliant Bank of America Premium Rewards · Premium Rewards Elite Turn your annual fees from an expense into an investment. Download Credify and stop donating money to the banks.

About

Perqly

This app helps you maximize credit card benefits by tracking rewards, expiration dates, and progress. It covers over 200 cards from major banks and keeps all your data private on your device.

Highlights
  • Tracks 200+ credit cards
  • Monitors all card benefits
  • Calendar sync with alerts
  • Visual progress bars
  • Total privacy, no account linking
  • Custom categories and search
Features
Read full description

# NEVER MISS A CREDIT CARD BENEFIT AGAIN Stop leaving money on the table. Perqly tracks every credit card benefit so you maximize every dollar. ## WHAT YOU GET **200+ CARDS COVERED** Chase, Amex, Capital One, Citi, and 12 more major banks **SMART TRACKING** • Visual progress bars for all benefits • Calendar sync with expiration alerts • Custom categories and search **TOTAL PRIVACY** No account linking. All data stays on your device. ## PERFECT FOR Travel hackers • Card churners • Rewards optimizers Download Perqly today.

Screenshots

Credify4 screens
Perqly4 screens

Verdict

The call

The clearest difference is update cadence: Perqly at every 3 weeks against Credify's every 11 months. Credify's advantage is ratings volume (13 vs 2). On price, rating, ads and in-app purchases 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. Neither carries in-app purchases, so what you see is what you pay.

ReceptionRating · Positive reviews · Number of ratings

On the App Store both sit at effectively the same score — 5.0 for Credify against 5.0 for Perqly. That said, the two scores are not equally well evidenced: Credify has 13 ratings behind it against 2, so its average is the more settled of the two.

UpkeepUpdate frequency

Credify ships an update every 11 months, Perqly every 3 weeks. Both last shipped on November 5, 2026.

Scorecard2 real differences · 8 level
Credify versus Perqly: the parameters behind the verdict, then further details
ParameterCredifyPerqly
PriceFreeFree
Rating5.0 (13 ratings)5.0 (2 ratings)
Positive reviews100.0% of reviews—
Number of ratings13 — better2
Update frequencyEvery 11 monthsEvery 3 weeks — better
AdsNoNo
In-app purchasesNoNo
MonetizationFreeFree
DevicesiPhone, iPod — betteriPhone
Requires iOS15.4 — better16.1
Further details — not scored
Size30 MB67 MB
Age rating4+4+
DeveloperRD Technologies LLCPerqly LLC

Customer experience

Credify

All ratings13 ratings
Positive100.0%
Neutral0.0%
Negative0.0%
Written reviews9 reviews
Positive100.0%
Neutral0.0%
Negative0.0%

Perqly

All ratings2 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

In-app purchases

None

Credify

No in-app purchases

None

Perqly

No in-app purchases

Questions

Is Credify free?
Credify is free to download, with no in-app purchases.
Is Perqly free?
Perqly is free to download, with no in-app purchases.
Which has better reviews, Credify or Perqly?
Credify and Perqly are both rated 5.0 out of 5 on the App Store, from 13 and 2 ratings respectively.
Do Credify or Perqly have ads?
Neither Credify nor Perqly shows ads.
Which is updated more often, Credify or Perqly?
Credify ships an update every 11 months, and Perqly every 3 weeks. Most recently, Credify was updated on November 5, 2026 and Perqly on November 5, 2026.

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