The right cards, in the right order.
Perko takes what you actually spend — personally and across every business you own — ranks the cards that pay the most for it, and tells you what to open first. The report is free.
- 1Open the numbers pick for the firm
- ·Wait 90 days — every application lands on one credit file
- 2Open the top personal card in month 4
Sample output. Your report is computed from your own spending, wallet, and goals — nothing here is a template.
Why Perko
A card recommendation is only worth something if you know how it was made.
Ranked by the math
Every card is scored on your spend and goals before we look at what it pays us. If the best card pays us nothing, we recommend it anyway.
Built for more than one entity
Personal plus every business you own, each evaluated on its own spend and its own fee — with one application clock, because it all lands on one credit file.
Two finalists, priced in dollars
When the best card for your goals isn't the best by the numbers, you see both — and what the preference costs. We don't crown the winner for you.
How it works
Three steps. The first one takes a few minutes.
Share your spending, cards, and goals
What you spend by category, what's in your wallet, and where you want to go — for you and for each business.
Get your strategy
A ranking for each entity, two finalists with the dollar value of each, and the order to apply in.
We keep watching
Card facts older than 120 days are never shown as current, deals are scanned every night, and a move gets flagged only when it's worth making.
Three ways to use Perko
The report is free and stays free. Pro is free while Perko is in preview. The assessment is for people who want a person to work the plan with them.
Free report
- A ranking for you and for each business, on your real spend
- Two finalists per entity, with the value of each in dollars
- An application order that respects one credit file
- Offers tracked after you get the report
Perko Pro
The bonus on the bonus. Your card earns the points; Pro makes them worth more. Banks periodically add 25% to 70% to transfers into airline and hotel programs, and Pro tells you when one opens on a program your goals use.
- Transfer-bonus alerts on your programs
- Reminders before credits lapse, bonus deadlines pass, and fees renew
- A reminder when the next card in your plan comes due
Professional assessment
- A one-hour call with a Perko strategist, working from your Perko report
- Entity structure, timing, and the questions a report can't answer
- A written plan afterward
What we promise
Our full ranking policy is published. These are the parts that matter most.
Commission never touches the ranking
Rankings are computed from your numbers first. What a card pays us is looked at afterward, if at all.
The better offer wins, even when it isn't ours
If a public offer beats the one behind our link, we tell you and link the better one.
We say what we don't know
Targeted and mailer offers can beat anything we can see. Facts older than 120 days are not shown as current.