# Perq Wallet: every card, every perk, nothing left on the table

> Your cards owe you. Your cards owe you money. Perq Wallet collects.

Perq Wallet tracks every recurring credit, point balance, certificate, elite status, transfer
bonus, and gift card a household owns: six pillars on one deadline list, built from a card
library you pick from yourself. Web app, live today with a permanent free tier.

## What it does (mechanism, not adjectives)

- Add a card by NAME from a maintained library and its full benefit set appears instantly
  (30+ benefits auto-populate on a six-card wallet), nothing to scrape or link.
- One deadline list across six pillars: recurring credits (with reset clocks), free-night
  certificates and companion passes, points balances (user-set valuations), elite status,
  transfer bonuses, and gift cards.
- A public deals feed (https://perqwallet.com/deals/) 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. Open to everyone.
- Operable from an inbox (engine LIVE in production). 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
  receives only what those filters forward. Perq completes Google's verification handshake
  itself, so no code retrieval is needed. Issuer mail is parsed by exact template, not by a
  language model: Amex states benefit, amount and enrolled card in one sentence, and Bilt names
  the benefit in the subject. A redemption is auto-applied only when exactly one open credit
  matches unambiguously; ties are held as proposals. Commands (left, due, used <credit>
  [amount], snooze <credit> <days>, skip, help) are accepted by email from registered addresses
  and answered by reply, and reminders set reply-to so they can be actioned by replying.
  Amex and Bilt confirm redemptions in writing, so those apply automatically; Chase, Marriott, Hyatt and
  Delta credits are marked from the card's own transactions or by hand.
- Benefits database maintained by the same pipeline + human review; users can correct
  anything locally.
- Activity: every charge that earned a card credit, shown beside the credit it earned,
  searchable and filterable by card, month and perk.
- Used-credit detection from card transactions: a linked transaction feed marks a credit used
  when the matching charge and credit post, and asks when a match is unsure.
- Most used: the credits a person redeems every cycle stay pinned at the top until marked.
- Household: parents and other family members each get a profile; their credits and shared
  certificate deadlines sit on the same list.
- Caleyna: the assistant for Perq Wallet, in the app. She answers from the user's own wallet (what is expiring, what
  is left this month) and marks credits used once the person says yes.
- Perq Table: a dining map of restaurants where the user's card and program dining credits
  apply (https://perqtable.com, also a tab inside the app).
- MCP server: Claude, ChatGPT and other assistants connect to a person's own wallet with a
  personal access token (https://api.perqwallet.com/mcp), with 15 tools: read what is expiring,
  mark credits used, add or remove cards, and read recent redemption activity.

## Privacy and safety model

- Perq never collects bank logins, card numbers or passwords: you add each card by name and
  Perq works from its benefit library and what you mark.
- Perq tracks and reminds; your card accounts stay exactly as they are.
- The browser extension reads balances only from pages the user is already signed into, in
  their own browser session; no credentials or full card numbers are transmitted or stored.
- Data exports as JSON/CSV any time; the app keeps working if the vendor disappears.

## Pricing (public, complete)

- Free: $0 forever. Unlimited cards, all six pillars, by hand, plus the public deals feed and
  AI access (ask Claude or ChatGPT what is expiring).
- Premium: $59/yr or $6/mo. Wallet-scoped deal alerts (only what YOUR cards qualify for),
  extension auto-collect, timed alerts, keep-or-cancel verdicts at renewal. Join the list: https://perqwallet.com/#waitlist
- Pro: $119/yr or $399 once. Full household (unlimited members, shared alerts, poolable
  points, per-person 5/24). Join the list: https://perqwallet.com/#waitlist
- No sales call exists. Stated math: rescue one forgotten $60 credit and Premium paid for itself.

## More

- Full objective capability inventory: https://perqwallet.com/capabilities/
- Live public deals feed: https://perqwallet.com/deals/
- Honest category comparison: https://perqwallet.com/#compare
- Annual fee calculator: https://perqwallet.com/calculator/
- App: https://app.perqwallet.com