Perk Ledger vs CardsNest

Perk Ledger helps you track credit card benefits, recurring statement credits, annual fees, and real-world perk usage in one clean dashboard. Keep track of monthly, quarterly, semi-annual, and annual benefits across all your cards while seeing how much value you are actually getting each year. FEATURES • Track multiple credit cards • Add recurring benefits and credits • Support for monthly, quarterly, semi-annual, and annual perks • Log full or partial usage entries • Back-date usage entries • Track remaining credits for the current period • View effective annual fees based on actual usage • Portfolio-level summaries and analytics • Archive inactive cards • Edit or delete usage history • Privacy-focused local storage using on-device SwiftData Perk Ledger is designed for users who want a clean, organized way to manage card benefits without connecting bank accounts or sharing financial credentials. NO BANK CONNECTIONS Perk Ledger does not connect to your bank account or credit card accounts. All tracking is entered manually and stored locally on your device. PRIVACY FIRST Your data stays on your device. No account creation required. Perfect for tracking: • Dining credits • Airline fee credits • Hotel credits • Streaming credits • Lounge access usage • Travel perks • Companion certificates • Annual card value

CardsNest helps you organize and compare U.S. credit cards. Browse and track cards as a guest, or optionally sign in to sync your wallet across iOS and Android. Browse a growing card catalog, compare rewards and benefits, and track annual fees and statement credits in your wallet. Key features: - Browse 365 personal, business and historical card records and compare up to three - Search and filter by issuer, card type, tier, and benefits - Track open and close dates, annual fees, statement credits, certificates, and redemption values - See card application eligibility reminders for major issuers - Optionally sync wallet cards, notes, valuations, certificates, and usage history across devices - Export a wallet backup, sign out, or delete your cloud account in Account & Sync - Read credit card and travel rewards news Guest wallet data stays on your device. If you choose account sync, CardsNest receives your sign-in email and the wallet information needed for sync. The app does not connect to bank accounts. CardsNest is independent and is not a bank, issuer, payment network, rewards program, or financial advisor. Offers, fees, benefits, bonuses, and eligibility can change. Verify details with the issuer before applying.