Home, Wallet, Best Card, Activity, Benefits, and Account all draw from the same wallet and transaction data, so what you see anywhere in the app matches what you see everywhere else.
Home surfaces the numbers that matter and gets out of the way: rewards earned this month, missed rewards, unused credits, and a prioritized action plan — in that order.
Transaction‑level detail on what you actually earned this month, pulled from matched, synced transactions.
Estimated annual net value across your wallet, plus a running summary of value captured versus still available.
Personalized recommendations generated from missed rewards, wallet rank, benefits, and renewal analysis.
An optional, location‑aware module that suggests the best card for nearby merchants.
Merchant, category, amount, and an optimization goal — maximum value, cash back, travel points, airline miles, or purchase protection.
Every wallet card is scored on reward rate, point or mile value, statement credits, and benefit value.
Each result includes the effective return, a confidence level, a plain‑language explanation, and the value gap versus the next‑best card.
The Best Card Advisor doesn't just name a winner. It shows the math, so you can trust the recommendation instead of taking it on faith.
Cards are added from an issuer catalog — issuer, product, network, and kind — with optional cardholder name, expiration, and last four digits. An optional camera scan fills the form for you.
Every matched, synced transaction shows the merchant, amount, date, category, the card you used, the card PerkMind would have picked, and the estimated reward earned or missed.
Requires a connected account and wallet cards with matching last‑four digits.
Statement credits, protections, and benefit status in one list — available, partially used, used, expiring soon, or expired — grouped by card.
Benefit data is catalog‑based; always confirm against your issuer's current terms.
Finds missed rewards, unused credits, expired benefits, redundant annual fees, foreign transaction fees, and reward‑cap waste, each with an estimated value and a recommended action.
When an annual fee is coming up, PerkMind weighs the fee against the benefits you've actually used and recommends keep, downgrade, or cancel.
Every insight becomes a scored, prioritized action — use an expiring benefit, switch a category to a better card, review a fee — that you can complete, dismiss, or snooze.
Every card reflows at accessibility text sizes, meets WCAG contrast targets, and exposes a combined VoiceOver summary with an accessible "Remove card" action — not just a swipe gesture.