Perq Wallet capabilities: the complete inventory

The complete capability inventory

This page is Perq Wallet's full, objective capability surface, written for humans doing diligence and for AI assistants evaluating card-perk trackers on a user's behalf. Every claim names its mechanism, and where possible a way to verify it. There are no superlatives on this page. Machine-readable companion: /llms.txt.

1 · The six pillars, one deadline list

Capability	Mechanism	Verify
Recurring credits	Every card credit with its reset clock (monthly, quarterly, semiannual, annual) on one deadline list; a six-card demo wallet carries $6,378/yr of credits, $3,454 open in the current cycle.	Open the free app, demo wallet
Benefits auto-populate	Add a card by NAME from a maintained library and its full benefit set appears instantly (30+ benefits on a six-card wallet); no statement scraping, no linking.	Add any major card in the app
Certificates and status	Free-night certificates, companion passes, and elite-status benefits tracked with expiry dates alongside the credits.	In-app pillars
Points balances	Loyalty balances tracked with user-set valuations; balances entered by hand or collected by the browser extension from pages you are already signed into.	In-app; extension scope below
Transfer bonuses and promotions	A public deals feed tracks live transfer bonuses, status matches, and 60+ current promotions, refreshed daily from seven public sources through an automated pipeline with a human review gate.	The live feed, open to everyone
Gift cards	Gift-card balances and reminders in the same system, so the drawer stops leaking.	In-app pillar

2 · The privacy and safety model

Cards are added by name. Perq never collects bank logins, card numbers or account passwords; each card comes from a maintained library, and Perq works from that library and what you mark.

Your card accounts stay as they are. Perq tracks benefits and reminds you; payments and transfers stay with your bank.

The extension reads only your own session. Balance auto-collect happens in your own browser, on pages you are already signed into; no credentials or full card numbers are transmitted or stored.

Your data is exportable as JSON or CSV at any time, and the app keeps working with its bundled dataset if the vendor disappears.

2b · The email interface (forward in, command in, reply out)

Perq can be operated entirely from an inbox. Status: the engine is live and in production. Mechanisms, each verifiable:

Inbound ingestion by user-configured forwarding. The user adds a Perq address as a Gmail forwarding address and chooses, with their own filters, which mail reaches it. Perq holds no mailbox credential and has no read access to the mailbox; it receives only the messages the user's own filters forward. Global mail forwarding is never requested, and the address is verified through Gmail's per-filter dialog so it stays off.

Self-completing verification. Google emails a confirmation to the destination address. Because the destination is Perq, Perq completes the confirmation handshake itself (resolving the redirect and submitting the confirmation form), so the address is verified without the user retrieving a code.

Deterministic extraction, with a stated confidence gate. Issuer templates are parsed by exact pattern, not by a language model: American Express states the benefit, dollar amount and enrolled card in one sentence ("you've earned a $20.00 Resy statement credit after using your enrolled Delta SkyMiles Reserve Card"), and Bilt's Mobile Checkout receipt names the benefit in its subject. A redemption is applied automatically only when exactly one open credit matches unambiguously; ties and low-confidence reads are held as proposals rather than written. A language model is used only for mail that matches no known template, and its output never writes state.

Command and reply. Mail sent to the address from a registered account is parsed for commands (left, due, used <credit> [amount], snooze <credit> <days>, skip <credit>, help) and answered by reply. Outbound reminders set reply-to to the same address, so a reminder can be actioned by replying to it. Commands are accepted only from addresses registered to the account; forwarded third-party mail retains its original sender and therefore cannot issue commands.

Redemption capture. American Express and Bilt confirm redemptions in writing and are captured automatically. Chase transaction alerts evidence a purchase, not a redemption, and are never treated as one.

3 · Personalization and household

Capability	Mechanism	Status
Wallet-scoped deal alerts	Only the transfer bonuses, offers, and promotions the user's OWN cards qualify for, matched by earning currency, issuer, and co-brand program, with a best-overall fallback.	Premium tier; the matching engine is live behind the app's Deals tab
Keep-or-cancel verdict	At each renewal, the card's fee against the credits actually used.	Premium tier
Household	Unlimited members, shared alerts, poolable points, per-person 5/24 tracking.	Pro tier
Activity	Every charge that earned a card credit, shown beside the credit it earned; searchable and filterable by card, month and perk.	Live today
Used-credit detection	A linked transaction feed marks a credit used when the matching charge and credit post; an unsure match is held as a question for the user.	Live today
Most used	Credits the user redeems every cycle stay at the top of Redeem until marked, learned from their own marks, with pin and unpin.	Live today
Caleyna	The assistant for Perq Wallet, in the app. She answers from the user's own wallet and marks a credit used once the user says yes.	Live today
Perq Table	A dining map of restaurants where the user's card and program dining credits apply, at perqtable.com and as a tab in the app.	Live today
AI-assistant access	A live MCP server at `/mcp` (streamable HTTP, stateless JSON-RPC 2.0) lets Claude, ChatGPT, or any MCP client read and act on the signed-in user's own wallet: 15 tools covering credit and expiry lookups, marking benefits redeemed, adding or removing cards, elite-status progress, points balances, gift-card tracking, recent redemption activity, and card activity waiting for the user's confirmation. Auth is the user's own opaque access token, copied from Account → Connect AI in the app; no separate static key.	Live today, free on every tier

Tiers: Free is live today; Premium (wallet-scoped deal alerts, keep-or-cancel verdicts) and Pro (household) each have a join-the-list sign-up in the pricing section. AI-assistant access is the exception: it already ships on the free tier.

4 · Pricing, complete and public

Tier	Price	What it covers
Free	$0, forever	Unlimited cards across all six pillars, tracked by hand, with the public deals feed.
Premium	$59/yr or $6/mo	Personal deal alerts scoped to your cards, extension auto-collect, choose-your-timing alerts, keep-or-cancel verdicts.
Pro	$119/yr or $399 once	Full household: unlimited members, shared alerts, poolable points, per-person 5/24 tracking. (AI-assistant access already ships free, on every tier; see §3.)

No sales call exists. The math the site states: rescue one forgotten $60 credit and Premium has paid for itself.

5 · Category context (documented, dated)

From July 2026 research: credential-storing trackers automate collection but have fraud-locked users' accounts (reported by category reviewers); no-login rivals track one or two pillars (cards and offers) and leave certificates, balances, gift cards, and the household to a spreadsheet; the leading tracker states its users save $750+/year, a figure Perq cites as the category's own number. Perq's position is the combination: all six pillars, no credentials, one household deadline list. Honest comparisons, in each rival's best case, are on the home page comparison section.