PerkMind reads your wallet and your spending, then tells you exactly which card to use, what you left on the table, and what to do next — before the rewards expire.
Most people default to one card out of habit. PerkMind watches category rates, statement credits, and real transaction history so the best card is obvious — before you tap to pay, and after, when it's time to see what you missed.
Tell PerkMind the merchant, category, amount, and goal — cash back, points, miles, or protection — and get a ranked recommendation with the effective return and why.
Every synced transaction is checked against your wallet. If another card would have earned more, PerkMind shows the gap in plain dollars.
Unused credits, redundant annual fees, foreign transaction fees, and capped rewards all quietly cost money. PerkMind adds it up and tells you what to fix.
Home, Wallet, Best Card, Activity, Benefits, and Account all read from the same up‑to‑date picture of your cards and your synced transactions — so a benefit you view on Home matches what you see on Benefits.
Rewards earned, missed rewards, credits remaining, portfolio value, insights, and your wallet action plan — at a glance.
Add cards from an issuer catalog, scan a card to fill the form, and review card detail with a full score breakdown.
Enter a purchase and get ranked recommendations with confidence, explanation, and the value gap versus your default card.
Transaction‑level intelligence from your synced accounts: card used, recommended card, and reward earned or missed.
Statement credits, protections, and benefit status — available, partially used, expiring soon, or expired.
Manage biometric unlock, passkeys, and sign‑out from a single, local security control center.
PerkMind never asks for a CVV and never stores a full card number. Wallet and account data live in your device's Keychain, the app starts locked on every launch, and financial sync runs through a backend — never Plaid credentials on your phone.
Read the full security overview →Biometric unlock and passkey sign‑in, backed by LocalAuthentication and AuthenticationServices.
Passwords are never stored — only a SHA‑256 hash combined with a random salt.
Only display‑safe, masked card details are kept — never a full card number or CVV.
The Support page covers common questions about card matching, credits, and account security — and gets a message straight to the PerkMind team.
Go to Support & Contact