The right cards, in the right order — and the bonus on the bonus.

Perko takes what you actually spend — on your own cards and, if you have one, through your business — ranks the cards that pay the most for it, tells you what to open first, and then watches for the transfer bonuses that make the points worth more. The report is free.

Get your free report See how it works

Three sample profiles, none of them a real person, run through the same engine as your report on 2026-10-03 at published point values. Your report is computed from your own spending, wallet and goals.

Why Perko

A card recommendation is only worth something if you know how it was made.

Ranked by the math

Every card is scored on your spend and goals before we look at what it pays us. If the best card pays us nothing, we recommend it anyway.

Built for more than one entity

Personal plus every business you own, each evaluated on its own spend and its own fee — with one application clock, because it all lands on one credit file.

Every trade-off priced in dollars

The card for each group comes with what it adds a year; the runners-up come with their gap. When your currency choice costs money, the report says how much. You see the price; you decide.

How it works

Three steps. The first one takes a few minutes.

  1. Share your spending, cards, and goals

    What you spend by category, what's in your wallet, and where you want to go — for you and for each business.

  2. Get your strategy

    The card for each group with its value in dollars, where every purchase goes month by month, and the order to apply in.

  3. We keep watching

    Card facts older than 120 days are never shown as current, deals are scanned every night, and a move gets flagged only when it's worth making.

157cards tracked and re-verified
29travel goals mapped to the programs that actually reach them
120days — the maximum age of any card fact we show

Three ways to use Perko

The report is free and stays free. Pro is included free for your first year. The assessment is for people who want a person to work the plan with them.

Free report

$0 always
  • A ranking for you and, if you have one, for each business, on your real spend
  • The card for each group with what it adds in dollars, and the runners-up with their gap
  • Where every purchase goes, month by month, and an application order that respects one credit file
  • Your points balances matched to the trips you named
Get your free report

Perko Pro

The bonus on the bonus. Your card earns the points; Pro makes them worth more. Banks periodically add 25% to 70% to transfers into airline and hotel programs, and Pro tells you when one opens on a program your goals use.

  • Transfer-bonus alerts on your programs
  • Reminders before credits lapse, bonus deadlines pass, and fees renew
  • A reminder when the next card in your plan comes due
$0 for your first year

After that, $9.99 a month for a personal plan or $29.99 a month when a business is on it - only if you choose it and authorize it; otherwise the account returns to the free report. No payment card is asked for.

How Pro works

Professional assessment

$1,400 one time
  • A one-hour call with a Perko strategist, working from your Perko report
  • Entity structure, timing, and the questions a report can't answer
  • A written plan afterward
About the assessment

What we promise

Our full ranking policy is published. These are the parts that matter most.

Commission never touches the ranking

Rankings are computed from your numbers first. What a card pays us is looked at afterward, if at all.

The better offer wins, even when it isn't ours

If a public offer beats the one behind our link, we tell you and link the better one.

We say what we don't know

Targeted and mailer offers can beat anything we can see. Facts older than 120 days are not shown as current.

Read how we rank

See your number.

The report is free. No card required, nothing to cancel.

Get your free report