# Perqly vs Valo | Benefit Tracking

The clearest difference is monetization model: Perqly at free against Valo | Benefit Tracking's subscription. Valo | Benefit Tracking's advantage is device support (3 vs 1) and iOS requirement (13.0 vs 16.1). On price, rating, ratings volume and update cadence there is nothing between them.

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

On the App Store both sit at effectively the same score — 5.0 for Perqly against 5.0 for Valo | Benefit Tracking. Both are backed by a comparable volume of ratings — 2 and 5 respectively.

Perqly ships an update fortnightly, Valo | Benefit Tracking every 3 weeks. The most recent releases landed on October 24, 2026 and October 11, 2026 respectively.

## The numbers

| Metric | Perqly | Valo | Benefit Tracking |
| --- | --- | --- |
| Price | Free | Free |
| Rating | [5.0 (2 ratings)](https://appshunter.io/ios/app/perqly/id6749399477/reviews) | [5.0 (5 ratings)](https://appshunter.io/ios/app/valo-benefit-tracking/id6754577827/reviews) |
| Number of ratings | 2 | **5** |
| Positive reviews | — | 100.0% of reviews |
| In-app purchases | No | No |
| Ads | No | No |
| Update frequency | **Fortnightly** | Every 3 weeks |
| Monetization | **Free** | Subscription |
| Size | 69 MB | 76 MB |
| Requires iOS | 16.1 | **13.0** |
| Devices | iPhone | **iPhone, iPad, iPod** |
| Age rating | 4+ | 4+ |
| Developer | [Perqly LLC](https://appshunter.io/developer/1830084823) | [Credit Card Buddy, LLC](https://appshunter.io/developer/1849025490) |

## What reviewers say

### Perqly

[App page](https://appshunter.io/ios/app/perqly/id6749399477)

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, Maximizes card benefits, Visual benefit progress bars, Calendar sync with alerts, Total privacy, no account linking, Custom categories and search

**Features:** macOS Compatibility, Vision Pro support

**In-app purchases:** none


### Valo | Benefit Tracking

[App page](https://appshunter.io/ios/app/valo-benefit-tracking/id6754577827)

Automatically track and maximize your credit card benefits. Get smart reminders and suggestions to ensure you're getting the most value from your premium cards. Understand your spending and benefit usage with clear dashboards.

**Highlights:** Automatic benefit monitoring, Smart expiry reminders, Benefit usage suggestions, Value dashboards, Supports Amex and Chase cards

**Features:** Apple Wallet

**In-app purchases:** none


## Frequently asked questions

### Is Perqly free?

Perqly is free to download, with no in-app purchases.

### Is Valo | Benefit Tracking free?

Valo | Benefit Tracking is free to download, with no in-app purchases.

### Which has better reviews, Perqly or Valo | Benefit Tracking?

Perqly and Valo | Benefit Tracking are both rated 5.0 out of 5 on the App Store, from 2 and 5 ratings respectively.

### Do Perqly or Valo | Benefit Tracking have ads?

Neither Perqly nor Valo | Benefit Tracking shows ads.

### Which is updated more often, Perqly or Valo | Benefit Tracking?

Perqly ships an update fortnightly, and Valo | Benefit Tracking every 3 weeks. Most recently, Perqly was updated on October 24, 2026 and Valo | Benefit Tracking on October 11, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*