Symphony vs PerkMaxxing

Save money. Earn rewards. Travel more. Credit cards reward spending. Symphony rewards saving. Earn 5% APY in cash, points, or a mix of both that can be transferred to leading airline and hotel loyalty programs. Every dollar you save helps you grow your money and get closer to your next trip. Whether you’re building an emergency fund, saving for your next vacation, or simply making your money work harder, Symphony helps every dollar go further. Earn in cash, points, or both. Unlike traditional savings accounts, Symphony lets you choose how your rewards are paid. 100% cash interest 100% travel points Or any mix of both Change your rewards allocation anytime to match your goals. Turn savings into travel Your points can be transferred to participating airline and hotel loyalty programs, helping you book flights, hotel stays, upgrades, and unforgettable experiences. Instead of earning rewards by spending more, earn them simply by saving. Why people use Symphony Earn a fixed 5% APY on your savings Earn points on every dollar you save Transfer points to airline and hotel partners Choose cash, points, or both Fast deposits and withdrawals No fees or minimum balance requirements Built with security in mind. Your money is protected through multiple layers of institutional-grade security, independent custody partners, smart contract coverage, and additional reserve protections designed to help safeguard customer assets. Limited Time Offer: New Member Welcome Bonus New members can unlock +100,000 bonus points when they start saving. Download Symphony today and discover a better way to save. Terms and eligibility requirements apply. See symphony.io for more details.

You're paying hundreds in annual fees. Your cards owe you thousands in perks. PerkMaxxing makes sure you collect. The average premium cardholder uses less than half of their card's credits — the rest quietly expires every month, quarter, and year. PerkMaxxing tracks every credit on every card you own and reminds you before the money disappears. TRACK EVERY PERK • All major premium cards: Amex Platinum & Gold, Chase Sapphire Reserve & Preferred, Capital One Venture X, and more • Monthly, quarterly, semi-annual, and annual credits — each with its own countdown • Check off credits as you use them, down to the month NEVER MISS AN EXPIRY • Smart notifications 30 days, 7 days, and the day a perk expires • A monthly sweep of everything that just reset • See exactly how many dollars are about to vanish ALWAYS SWIPE THE RIGHT CARD • Standing at checkout? Tap what you're buying — dining, travel, groceries — and see which card earns the most points • Unused credits surfaced right in the recommendation KNOW IF YOUR CARDS ARE WORTH IT • Scorecard grades every card: fee vs. value claimed • See if you're on pace to break even on your annual fee — before renewal hits • Net ROI across your whole wallet LEARN FROM OTHER CARDHOLDERS • Community tips for squeezing more from every card • Limited-time deals spotted by other members PRIVATE & SECURE • Sign in with Apple and Face ID • No bank linking required — your accounts stay yours Download PerkMaxxing and find out what your cards actually owe you.