$395 to justify.
Add your card and its annual fee. That’s the number to beat.
You pay the annual fee.
Your benefits should pull their weight.
See what’s left to use, track the value you get, and face renewal with a clear answer.
Free for up to 3 cards · No bank connection
Recorded recurring benefits $620
Annual fee −$395
Recurring value above fee $225
The $300 one-time bonus is excluded from this comparison.Try logging a $25 credit in this preview.
Sample credits approaching their reset.
Review the value you expect to use again.
Look at next year’s likely use before you decide.
You make the decision. One-time bonus value stays outside the recurring comparison.
A monthly credit.
Remembered a month too late.
Another app. Another reminder.
Another thing to keep up with.
The annual fee comes around.
And you’re still doing the math.
Give your benefits a place to live.
Give your head a little space.
See what’s left and when each period ends, then log what you use.
Compare the recurring value you recorded with the fee. One-time bonuses stay separate.
Review what you’ll use again, weigh your options, and record your decision.
A decision based on your life.
And the value you expect to use.
Add your card and its annual fee. That’s the number to beat.
Log the benefits you use. The total builds from your entries.
A starting point for renewal: which benefits will you use again?
Example only: $620 recurring value − $395 annual fee = $225. No welcome bonus included.
Add a card. Put its benefits in view.
See whether the habit works for you.
For a wallet with up to 3 active cards.
Need room for more cards? See membership options. Paid checkout is not available yet.
Short answers, no fine print.
No. It works from the cards and benefit use you add. No issuer login, no transaction import.
No. You log each benefit you use. Perk Infinity doesn’t read your card transactions.
No. One-time bonus value is kept outside the recurring comparison, so a first-year bonus can’t flatter next year.
No. The Renewal Room helps you review value and record a keep, downgrade, or cancel plan. The decision, and any change to the card, is yours.
Yes. Household views and private helper links let a partner join in without an account. See how household coordination works.
Start with one card. Get a clearer picture of what it gives back.
Start tracking my card’s value