Select your cards
Choose the premium cards you carry to create your personal benefit view.
Local-first iPhone beta
See the real value of your card perks.
Perk Prism helps premium cardholders track annual fees, credits, benefits, unused perks, and captured value — without connecting a bank account.
No bank connection
No login required
Manual tracking
Financial Summary
Current benefit periods
On track
Current Net Position
$284
Captured value minus annual card cost
Annual Card Cost$1,240
Captured Value$1,524
Remaining This Period$185
Available Annual Value$2,430
Action Needed3 benefits
Dining CreditPremium Gold · $10 remaining
UnusedStreaming CreditPlatinum · $20 remaining
UnusedThe quiet cost of unused perks
Premium cards are valuable — if you actually use the benefits.
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 included benefits
Review credits, memberships, travel benefits, and their active periods.
Mark what you’ve used
Keep captured value and current-period remaining value up to date.
Get reminded
Set local reminders before monthly, quarterly, or annual benefits expire.
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 every card 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 by design
Built local-first for beta.
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, usage tracking, and reminders are stored locally on your device.
No bank connectionNo credentials or transaction syncing.
No login requiredOpen the app and start tracking.
Local usage trackingYour beta tracking stays on device.
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 to know which cards are worth keeping
- 05You want reminders before benefits expire
Early iPhone beta
Join the Perk Prism beta.
Perk Prism is preparing for an early iPhone beta. Join the list if you want to test a simpler way to track card benefits and card value.
iPhone betacoming soon
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 personalized financial 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?
Pricing has not been announced. The early beta is focused on testing the product.