About PerkSwipe

Premium credit cards are sold on a simple promise: the perks are worth more than the fee. For most people, that promise quietly fails — the monthly credits reset, the semi-annual ones flip, the airline credit expires in December, and the fee posts anyway.

PerkSwipe is a small, focused tool that turns that promise into something you can actually check: every credit on your cards becomes a checklist item with its own schedule, and each card shows exactly how far you are from breaking even on its fee.

It's free, and it deliberately does very little: no bank connections, no card numbers, no spending analysis. You tell it which cards you carry; it tells you what they owe you.

Where the data comes from

The catalog covers 56 popular US cards with 130+ perks, compiled in July 2026 from issuer sites and independent sources (NerdWallet, The Points Guy, Bankrate, WalletHub, Upgraded Points) and refreshed as card terms change. A few conventions worth knowing:

• Credits that require large spending thresholds are flagged “has requirements” and excluded from a card's guaranteed value.
• Every-four-year credits (like Global Entry) are averaged per year.
• Point-denominated perks (free hotel nights, anniversary points) are valued at published cents-per-point estimates and marked as estimates.

Card terms change constantly — treat every number as informational and verify with your issuer before making decisions.

Contact

PerkSwipe is built by Brian Breslin. Spotted outdated card data, found a bug, or want a card added to the catalog? Email brian@brianbreslin.com — corrections are especially welcome.