FAQ
Common questions
Why is a transaction missing from Activity?
PerkMind matches your purchases to your cards using the last four digits. If a card doesn't have its last four digits saved, or your bank doesn't share that info, we can't match that purchase — so it's left out of your rewards and counted as unmatched. Open the card in Wallet, add its last four digits, then sync again.
Why don't my Missed Rewards or Credits Remaining figures match my statement?
These numbers are estimates. They depend on merchant category matching, your cards' reward terms, and the point or mile values you set. PerkMind isn't connected live to your card issuer, so always confirm exact figures with the issuer.
How do I sign in? I don't have a PerkMind password.
PerkMind uses Sign in with Apple, so there's no PerkMind password to create or reset. If sign-in fails, check that you're signed in to iCloud on your device and try again. Face ID, Touch ID, and passkeys are optional extras for locking the app on your device.
Face ID or my passkey isn't working.
Face ID, Touch ID, and passkeys are optional device locks. If one fails or is canceled, you can try again or go to Account to turn it off and set it up again. Your Apple sign-in isn't affected.
Is my card number stored anywhere?
No. PerkMind never asks for a CVV, and it never stores your full card number — only safe details like issuer, network, and optional last four digits. Card scanning happens on your device. See the
Security page for the full picture.
How do I connect my bank or card account?
Sign in with Apple, then choose Connect Financial Institution from Settings or the Add Card screen. Plaid's secure sheet opens so you can pick your bank and sign in there — PerkMind never sees your bank password. Then sync, and make sure each card in Wallet has its last four digits.
How much does PerkMind cost, and how do I cancel?
PerkMind is a $19.99/year auto-renewing subscription (about $1.67/month) billed by the App Store and currently available in the United States. Manage or cancel any time in Settings > your name > Subscriptions on your iPhone. If you reinstall or switch devices, use Restore Purchases on the subscription screen.
Can I use PerkMind on more than one device?
You can sign in with the same Apple ID on another device, but your wallet is stored in each device's Keychain and isn't synced between devices yet, so you'd add your cards again on the new device.
How do I delete my account?
Open Account in the app and choose to delete your account. This removes your account and its records from our backend, and clears your session and cached data from the device. To cancel your subscription, do that separately in your Apple ID subscription settings.
How does signup bonus tracking work?
When you add a card with a welcome bonus, enter how much you need to spend, the deadline, and when you opened the account. PerkMind tracks your progress and warns you early if the dates suggest you might miss the window. Progress updates from your connected accounts when possible — otherwise it's clearly marked as an estimate.
Can PerkMind recommend a card for online shopping?
Yes. In Best Card, switch to Online, then paste a link or pick a store from the list — Amazon, Target, Walmart, Best Buy, eBay, Etsy, Instacart, Lowe's, The Home Depot, and Apple are all recognized automatically. Shopping in Safari? Use the Share button to send the page straight to PerkMind. Marketplace sellers, payment processors, and issuer exclusions can change what you actually earn.
Why didn't I get a Best Card alert when I entered a store?
Best Card Entry Alerts are opt-in and need Location Recommendations, Background Recommendations, and Notifications all turned on, plus Always location access. PerkMind only alerts when it's confident about the merchant and another card is meaningfully better, and waits two hours between alerts for the same merchant.
My card isn't in the list.
Choose Card Not Listed in Add Card and enter the issuer and product name. Until PerkMind has reviewed terms for that card, it uses a zero reward rate so recommendations aren't overstated.
How do I remove a card from my wallet?
In Wallet, swipe the card and tap Remove, or open the card and use the Remove Card action. You'll be asked to confirm — removal is immediate and can't be undone from within the app.
How do I contact support from the app?
On iPhone, open More > Contact Support. It pre-fills an email with your app version and build number. Please don't include passwords, full card numbers, CVVs, bank credentials, or access tokens — the last four digits are enough to identify a card.
