Home, Wallet, Best Card, Activity, Benefits, and Account all pull from the same card and spending data — so what you see in one place matches everywhere else in the app. Plus scanning, signup-bonus tracking, verified issuer terms, and narrated help built in.
Home
The dashboard that tells you what to do next
Home shows you the numbers that matter most, in this order: rewards you've earned this month, rewards you've missed, credits you haven't used, and a simple to-do list.
Rewards Earned
See exactly what you earned this month, purchase by purchase, based on your connected accounts.
Total Value
An estimate of how much your cards are worth to you each year, plus how much of that value you're actually using.
Tips
Personalized suggestions based on rewards you're missing, how your cards stack up, and your card benefits.
Near You
Opt in to Best Card Entry Alerts and PerkMind can notify you with the best card as you walk into a nearby store or restaurant. Alerts are generated on your device, need your permission for location and notifications, and pause for two hours per merchant so they never repeat.
Best Card
"What card should I use?" — answered in three taps.
The Best Card Advisor doesn't just pick a winner — it shows you the numbers behind the pick, so you know exactly why, instead of taking it on faith.
1
Tell us what you're buying
Where you're shopping, how much you're spending, and what matters most to you — cash back, travel points, airline miles, or purchase protection.
2
See your best options
Every card in your wallet is scored on its reward rate, your point or mile values (cents per point, adjustable), statement credits, and other perks.
3
Understand why
Every result shows the native reward (like 3× points or 2% back) alongside an estimated dollar value, plus a plain-language explanation and how much more it is than your next-best card.
Online Shopping
The best card for online purchases, too
Best Card isn't just for purchases in a store. Switch to Online, paste a link or pick a store from the list, and PerkMind tells you which card to use before you check out.
Works with popular stores
Amazon, Target, Walmart, Best Buy, eBay, Etsy, Instacart, Lowe's, The Home Depot, and Apple are all recognized automatically.
Share it straight from Safari
Shopping in Safari? Use the Share button to send the page to PerkMind — no copying and pasting needed.
Still works for stores we don't know
PerkMind gives you a recommendation either way, and lets you fix the category if it's not quite right.
Wallet
Add a card without handing over your card number
Pick your card from a list of issuers and card products, then add the basics — cardholder name, expiration date, and optionally the last four digits. Or scan the front of your card (and the back, if you like) and review what PerkMind recognized before anything is saved.
Your full card number and CVV are never stored. Scanning runs on your device, checks the number for validity, and never treats a scan as proof you own the account.
Don't see your card? Choose "Card Not Listed" and enter the issuer and product — you're never blocked.
Tap any card to see its PerkMind score, what makes up that score, its rewards and benefits, and your bank's support contact info.
Removing a card is quick but final — you'll be asked to confirm first, since it can't be undone.
Cash Back2%
Score86
Miles3×
Signup Bonuses
Never miss a welcome bonus again
When you add a card with a signup bonus, tell PerkMind how much you need to spend and by when. It tracks your progress and warns you if you're at risk of missing the deadline.
See what's left
How much more you need to spend and how many days you have left, at a glance.
Get warned early
If the dates you entered suggest you might have already missed the window, PerkMind tells you right away.
Progress from real spending
Updates automatically from your connected accounts when the card and dates can be matched — otherwise it's clearly marked as an estimate.
Activity & Benefits
See what already happened — and what's about to expire.
Activity
See every connected purchase: where, how much, when, the card you used, the card PerkMind would have picked instead, and what you earned or missed.
Needs a connected bank account (through Plaid), plus your card's last four digits added in Wallet.
Benefits
All your card credits and protections in one list, grouped by card — see what's available, partly used, expiring soon, or already gone.
Issuer-published perks are listed separately from credits measured from your transactions. Estimates only — confirm details with your issuer.
Verified Card Terms
Real rewards and credits, not guesswork.
For supported cards, PerkMind automatically attaches the issuer's reviewed rewards, credits, and protections — with a link back to the source and the date it was last verified. Chase Sapphire Preferred is the first fully verified profile, with more issuers added as they are reviewed.
Backed by the source
Every verified card shows which issuer page it came from and when it was last checked, right on the card detail screen.
Honest about activation
Perks that require you to activate them are always labeled "Activation required" — PerkMind never counts money you haven't actually claimed.
You always know where it came from
Each card shows whether its profile came from PerkMind's reviewed catalog, a last-verified cache, the app's bundled data, or isn't available yet — and never invents terms it can't support.
Your choice to leave the app
Tapping Rewards or Benefits opens the issuer's official page, but only after a confirmation that you're leaving PerkMind.
Wallet Leakage
PerkMind finds rewards you missed, credits you haven't used, expired perks, extra annual fees, foreign transaction charges, and reward caps that cost you money — each with an estimated dollar amount and what to do about it.
Renewal Advisor
When your annual fee is coming up, PerkMind compares the cost against the perks you've actually used, and tells you whether to keep, downgrade, or cancel the card.
Wallet Action Plan
Every tip becomes a simple action you can check off — use a credit before it expires, switch to a better card for a category, or review a fee — complete it, dismiss it, or handle it later.
Built-in guidance
Short, narrated walkthroughs for every feature
Not sure how something works? Know PerkMind offers short, animated lessons with spoken narration for every major feature, each with three guided steps and a plain explanation of the benefit. Let it play automatically, or step through at your own pace. Find it in More > Know PerkMind.
One more thing
Built to be accessible for everyone
Every screen supports the full Dynamic Type range, uses high-contrast colors in light and dark appearances, never relies on color alone to convey meaning, respects Reduce Motion, and works smoothly with VoiceOver — including a clear "Remove card" action, not just a swipe gesture.
Get PerkMind
Know which card wins — download PerkMind.
Available for iPhone and iPad on the App Store. Sign in with Apple and add your first card in minutes.
