Annual Fee Value Calculator
See whether your credit card annual fee is worth it. Enter which credits and perks you actually use and get a clear net-value breakdown — instantly, all client-side.
AI-Powered Perks Tracker
Never miss a perk again.
Perkmon tracks all your credit card benefits in one place across 160+ supported cards — with AI-powered recommendations and expiry alerts so you always get full value. It works on web, iPhone, Android, and Chrome, and never asks for your bank login.
No install required
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iOS App
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iOS App
Available now
Android App
Scan QR code
Android App
Chrome Web Store
Chrome Extension
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Your Perks
6
Cards
48
Perks
$340
Saved
⏰
Expiring soon
Amex travel credit — 5 days
Lounge Access
Amex Platinum
Dining Credit
Chase Sapphire
TSA PreCheck
Capital One
Value Tracking
Track high-value credits, deadlines, and usage
Usage Guidance
Get next-best actions before value expires
AI Agent
Ask about hotels, which card to use, and what to do next
Covers major issuers. New cards are filled in automatically.
American Express
Chase
Citi
Capital One
Bank of America
Wells Fargo
US Bank
Discover
Barclays
HSBC
American Express
Chase
Citi
Capital One
Bank of America
Wells Fargo
US Bank
Discover
Barclays
HSBC
Hundreds
of dollars can expire unused every year
Perkmon helps you track credits, deadlines, and the best card to use before value disappears.
Without Perkmon
- Juggling 4+ credit cards with different benefit calendars
- Forgot to use restaurant credit or annual travel bonus
- Not knowing which card to use for maximum rewards
- Missing quarterly credits that reset without warning
With Perkmon
- All perks in one unified dashboard, searchable and filterable
- expiry alerts before you miss anything valuable
- AI assistant tells you the optimal card for every purchase
- Automatic reset tracking so every dollar is accounted for
How It Works
Up and running in 60 seconds
No bank credentials needed. Just add your cards and start maximizing.
Step 1
Add Your Cards
Select card to add or enter any card(s) abbreviation/nickname in batch.
Step 2
Perkmon Reads Your Perks
Every benefit, credit, and expiry date is parsed and organized automatically. We know what each card offers so you don't have to dig through terms.
Step 3
Set Your Alerts
Get notified before any benefit expires with customizable reminder periods. Quarterly credits, annual allowances, one-time offers — all covered.
Step 4
Ask Perkmon Anything
Ask which card(s) to use for a weekend family dinner, or where to travel next. AI checks your unclaimed benefits and hotel availability, then provides personalized suggestions and a plan.
Features
Everything you need, nothing you don't
Built specifically for credit card rewards optimizers who want clarity, not complexity.
Cross-Platform
Use Perkmon on the web, iOS, Android, or Chrome — your perks everywhere you need them.
Product Demos
See the real app flow
Short recordings from the live product show how Perkmon handles high-value workflows without hiding behind mockups.
Core featureReal app recording
Add cards in batch
Start from the add-card flow, paste several cards at once, review the matched cards, and land on a tracked portfolio ready for benefit monitoring.
Free credit card tools
Calculators and explorers that help you get more value from your cards — no signup, everything runs in your browser.
Retention Call Planner
Get a keep / downgrade / cancel recommendation for your credit card annual fee, plus a step-by-step retention call checklist — all client-side, no account data required.
Points Transfer Calculator
See how many airline or hotel points you get when transferring from Amex MR, Chase UR, Capital One Miles, or Citi ThankYou. Compare all partners side by side with official transfer ratios.
Card Portfolio Optimizer
Upload your bank or credit card statements and discover the optimal credit card combination for your actual spending — entirely in your browser.
Bilt 2.0 Calculator
Calculate Bilt 2.0 points and Bilt Cash from rent, mortgage, and everyday spend across Blue, Obsidian, and Palladium.
Foreign Transaction FX Calculator
Compare which card is cheapest for a foreign purchase after FX spread, foreign transaction fee, and rewards. Enter your own estimated rate — everything is computed client-side.
Compare
Why Perkmon over the alternatives?
Most people track their perks with spreadsheets — or not at all. Here's what you're missing.
Perkmon | Spreadsheet | Nothing | |
|---|---|---|---|
| All perks in one dashboard | |||
| expiry alerts | |||
| AI-powered recommendations | |||
| Travel perks view | |||
| Usage logging & ROI tracking | |||
| Works on all devices | |||
| Auto-detects card benefits | |||
| Setup time | 60 sec | Hours | N/A |
Security
Your data stays yours
We built Perkmon with privacy at its core. No bank credentials, no data selling, no compromises.
No Bank Credentials
Perkmon never asks for your bank login. Just select your cards from our database — no account linking required.
Encrypted Data
All data is encrypted in transit and at rest. We use industry-standard security practices to protect your information.
Privacy First
We don't sell your data, ever. We only store card selections and perk tracking data — no financial details.
Delete Anytime
Your data, your choice. Delete your account at any time and all your data is permanently removed from our servers.
Built for high-value card workflows
Perkmon focuses on the decisions, deadlines, and usage patterns that make credit card benefits hard to manage manually.
Ask Before You Book
Compare hotels, travel credits, card protections, and which card to use before a trip.
Track Valuable Credits
Follow dining, airline, travel, Uber, Saks, FHR, quarterly, and annual credits in one place.
Know What To Use Next
See expiring value, unused benefits, and suggested next actions before value disappears.
Let The Agent Help
Ask broader questions about hotels, perks, usage history, and the best move for your cards.
Your perks are expiring right now
Start maximizing your
card benefits today.
Core features stay free. No credit card required. No bank credentials needed.