Every recurring credit on 12 premium cards, annualized and added up, straight from Perq's card database. Pick a card to see exactly what it costs, what it gives back, and how much you have to use to break even.
"Valued credits" totals only the credits with a listed dollar amount. Certificates (like a free-night award) carry real value but no fixed dollar figure in this database, so they are called out separately rather than guessed at.
Perq Wallet keeps every credit, reset date, and certificate current for the cards you actually carry. No bank login, ever.