Add the cards you carry.
Choose supported cards or create custom cards for the cards you want to track.
Coming to iPhone
Know whether your annual fees are paying off.
Perk Prism helps premium credit-card users manually track annual fees, credits, benefits, reminders, custom perks, and estimated card value — without connecting a bank account.
Preparing for launch
No bank connection
No login required
Financial Summary
Current benefit periods
Manual
Current Net Position
$284
Captured value minus annual card cost
Annual Fees$1,240
Captured Value$1,524
Remaining$185
Annual Value$2,430
Action Needed3 benefits
Dining CreditPremium Gold · $10 remaining
UnusedStreaming CreditPlatinum · $20 remaining
UnusedIllustrative Perk Prism app preview. Final screens may change before App Store launch.
The quiet cost of unused perks
Premium cards are valuable — if you actually use the benefits.
Track the value you actually capture — not just the perks you could use.
Premium credit cards can include hundreds or thousands of dollars in credits, memberships, reimbursements, and travel perks. But many benefits reset monthly, expire quietly, or require manual activation.
Perk Prism helps you see what you have used, what is still available, and what may go unused.
How it works
A clearer routine for every perk.
Set up your cards once, then keep the important details within reach.
Track benefits and credits.
Mark credits, memberships, reimbursements, and custom benefits as used, partially used, or unused.
See captured value.
View estimated available value, captured value, remaining value, and current net position based on what you track.
Review before renewal.
Use annual fee review to understand whether a card deserves another year of fees.
Features
Everything in one focused card-value tracker.
Perk Prism focuses on the benefit value you actually capture, not automated transaction imports or card recommendations.
Fees, credits, benefits, and custom perks
Track annual fees, statement credits, membership benefits, certificates, lounge access, usage periods, and custom benefits.
Understand where each card stands
Compare estimated value received against annual fees across individual cards and your broader portfolio.
Reminders before value expires
Keep action-needed benefits, monthly credits, annual benefits, and renewal dates visible before they slip by.
Manual tracking without bank access
No login, no bank connection, no Plaid, no cloud sync in V1, and no advertising-based business model.
Value dashboard
Know whether your cards are paying off.
Perk Prism compares annual fees against the value you’ve actually captured from your selected cards.
It separates annual value from current-period value so monthly, semiannual, and annual benefits are easier to understand.
- See fees and captured value side by side
- Understand what remains in the current period
- Review card value without budgeting-app clutter
Your cardsValue overview
Updated manuallyCurrent Net Position+$284Across selected cards
Annual Card Cost$1,240Selected card fees
Captured Value$1,524Marked used
Remaining This Period$185Still available now
Available Annual Value$2,430Estimated across the year
Privacy-first
Private by design. Manual by choice.
The first version of Perk Prism does not require a login, does not connect to your bank, and does not use Plaid. Your selected cards, benefit usage, custom cards, custom benefits, and reminders are stored locally on your device.
Firebase Crashlytics is planned only for crash reporting and app stability. Perk Prism does not intentionally send card names, benefit details, or financial entries in crash reports.
No bank login requiredNo credentials or transaction syncing.
No Plaid in V1Tracking is manual by design.
No cloud sync in V1Your app data stays local to your device.
No ad tracking SDKsNo ad networks, no tracking prompt, and no sale of personal data.
Crash reporting onlyFirebase Crashlytics is planned for stability.
No Firebase AnalyticsNo analytics SDK is planned for V1.
Free and Pro
Start simple. Upgrade when your card setup grows.
Perk Prism Pro is planned as an optional subscription managed through Apple when available. Final pricing is not shown until approved for launch.
Core tracking
For users who want to track a small card setup manually.
- Up to 2 active cards
- Core dashboard
- Manual benefit tracking for accessible cards
- Basic reminders
- Existing data remains visible
Portfolio tracking
For users managing multiple premium cards and custom perks.
- Unlimited active cards
- Unlimited custom cards
- Unlimited custom benefits
- Full portfolio tracking
- Annual Fee Renewal Review
- Advanced reminders
- Priority access to expanded card support
Who it’s for
Built for premium cardholders.
Perk Prism is for people who want a focused answer to one question: am I getting enough value from the cards I pay for?
- 01You have one or more premium credit cards
- 02You pay annual fees
- 03You use monthly, semiannual, or annual card credits
- 04You want a clearer renewal review before another annual fee
- 05You want reminders before benefits expire
Preparing for launch
Get Perk Prism launch updates.
Perk Prism is an iPhone app preparing for launch and TestFlight. Join the list if you want updates about beta testing and availability.
iPhone apppreparing for launch
Launch updates
Beta interest form
Perk Prism uses a Google Form to collect beta interest while the app prepares for launch.
Open beta interest formPlease do not submit card numbers, bank logins, account balances, Social Security numbers, transaction history, or other sensitive financial information. By submitting the form, you agree that Perk Prism may use the information you provide to review your interest in beta testing, contact you individually about Perk Prism, and improve the product. See our Privacy Policy.
FAQ
Questions, answered simply.
Does Perk Prism connect to my bank?
No. The MVP is local-first and does not connect to your bank.
Is this financial advice?
No. Perk Prism helps you track card benefits and estimated value. It does not provide financial, legal, tax, or credit advice.
Does it track points multipliers?
Not in the MVP. The first version focuses on credits, benefits, usage, reminders, and annual-fee value.
Is there an Android app?
Not yet. The first beta is focused on iPhone.
How much does it cost?
Final pricing has not been announced. Perk Prism Pro is planned for users who want unlimited cards and advanced tracking.
Important disclaimer
Perk Prism helps users track estimated credit-card benefit value based on information they enter and mark as used. Perk Prism does not provide financial, legal, tax, or credit advice. Benefit terms can change and should be confirmed with the card issuer.