Your credit card owes you money.
That $795 annual fee comes with hundreds of dollars in credits — and most of them expire unused. PerkSwipe turns every perk into a checklist so your fee pays for itself.
$692 of $795 fee
$103 to break even
Travel credit
Yearly · $300
DoorDash credit
Monthly · $25
Dining credit
Yearly · $300
Premium cards are a bet. Most people lose it.
The pitch is always the same: “the credits outweigh the fee.” Then the $25 DoorDash credit resets every month, the Saks credit flips every six months, the airline credit expires in December — and you paid $795 for perks you forgot existed. The issuers count on it.
Three steps to break even
Add your cards
Pick from 56 popular US cards. Every credit, perk, and fee comes pre-loaded — no typing.
Check off credits as you use them
Monthly, quarterly, twice-a-year — each period gets its own checkbox, so nothing slips.
Watch the fee pay for itself
A progress ring fills as you capture value. Break even on your annual fee and the confetti flies.
Keep it in your pocket
PerkSwipe is an app you never have to install from an app store. Add it to your home screen and check off perks at the checkout counter.
Works in any browser — installable from Chrome, Edge, and Safari on iPhone.
Fair questions
Is it really free?
The tracker is free forever — every card, every perk, no trial clock. PerkSwipe Pro ($5/month or $30/year) is an optional upgrade that adds daily expiration alerts and a personalized card recommendation wizard.
Do I have to connect my bank or enter card numbers?
Never. PerkSwipe doesn't link to your bank and doesn't ask for card numbers. You pick your cards from a list and check off perks yourself.
Which cards does it cover?
56 popular US cards — Chase Sapphire, Amex Platinum and Gold, Capital One Venture X, Delta, United, Southwest, Hilton, Marriott, Bilt, and more — with 130+ perks catalogued and valued.
Does it work on my phone?
Yes — iPhone, Android, and desktop. Add it to your home screen and it works like a native app.
Find out if your fees are worth it
Add your cards, see every credit you're paying for, and start capturing them. It takes about a minute.
Start tracking free