Annual Fee Value Calculator
See whether your credit card annual fee is worth it. Enter which credits and perks you actually use and get a clear net-value breakdown — instantly, all client-side.
Every perk in your wallet. Finally used.
Add your cards in seconds. See what each one gives you, what resets next, and mark it used in one tap.
Credit cards, hotel programs and airline status, all in one wallet.
American ExpressChaseCitiCapital OneBank of AmericaWells FargoUS BankDiscoverBarclaysHSBCWorld of HyattMarriott BonvoyHilton HonorsUnited MileagePlusDelta SkyMilesAmerican AAdvantage
Product demos
See it work. Real app, no mockups.
Five short recordings show the real Perkmon app handling the work: adding cards, saving a promotion, finding perks, discovering offers, and marking benefits used.
Choose a workflow — it plays automatically
Real app recording
Add cards with Batch Add
How it works
Up and running in 60 seconds.
Add your cards and Perkmon fills in every credit, deadline and reset for you.
Step 1
Add Your Cards
Pick your cards, or type several at once, like "plat, csr, venture x".
Step 2
Perkmon Reads Your Perks
Every benefit, credit, and expiry date is parsed and organized automatically. We know what each card offers so you don't have to dig through terms.
Step 3
Set Your Alerts
Get notified before any benefit expires with customizable reminder periods. Quarterly credits, annual allowances, one-time offers — all covered.
Step 4
Ask Perkmon Anything
Ask which card(s) to use for a weekend family dinner, or where to travel next. AI checks your unclaimed benefits and hotel availability, then provides personalized suggestions and a plan.
Why Perkmon
Hundreds of dollars expire unused every year.
Credits reset monthly, quarterly and yearly, on different calendars for every card. Perkmon keeps track so you don't have to.
Without Perkmon
- Juggling 4+ credit cards with different benefit calendars
- Forgot to use restaurant credit or annual travel bonus
- Not knowing which card to use for maximum rewards
- Missing quarterly credits that reset without warning
With Perkmon
- All perks in one unified dashboard, searchable and filterable
- Expiry alerts before you miss anything valuable
- AI assistant tells you the optimal card for every purchase
- Automatic reset tracking so every dollar is accounted for
Features
Everything you need. Nothing you don't.
Built for people who want clarity about their cards, not another spreadsheet.
Cross-Platform
Use Perkmon on the web, iOS, Android, or Chrome — your perks everywhere you need them.
Free tools
Free credit card tools. No signup.
Calculators and explorers that help you get more from your cards. Everything runs in your browser.
Retention Call Planner
Get a keep / downgrade / cancel recommendation for your credit card annual fee, plus a step-by-step retention call checklist — all client-side, no account data required.
Points Transfer Calculator
See how many airline or hotel points you get when transferring from Amex MR, Chase UR, Capital One Miles, or Citi ThankYou. Compare all partners side by side with official transfer ratios.
Card Portfolio Optimizer
Upload your bank or credit card statements and discover the optimal credit card combination for your actual spending — entirely in your browser.
Bilt 2.0 Calculator
Calculate Bilt 2.0 points and Bilt Cash from rent, mortgage, and everyday spend across Blue, Obsidian, and Palladium.
Foreign Transaction FX Calculator
Compare which card is cheapest for a foreign purchase after FX spread, foreign transaction fee, and rewards. Enter your own estimated rate — everything is computed client-side.
Your data stays yours.
- No bank logins, ever
- Encrypted in transit and at rest
- We never sell your data
- Delete your account anytime
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card benefits today.
Core features stay free. No credit card required.
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