Step 2 of 5
2. What you want your points to do
Where you want your points to take you, and whether a partner plans with you. Your goals decide which kind of points is worth collecting.
Do you plan with a partner or spouse? (their cards and points can be part of this)No, just me Yes - we plan together
In your own words - the airlines and hotels you actually use, how often you travel and with how many people, the cabin you want, the trips you have in mind, and anything you hate (fees, juggling cards). The more specific, the sharper the plan.
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Step 4 of 5
4. Your businesses (yours or your partner's)
Business spending on cards, if you have any. Each business is ranked on its own, with its own card and its own welcome bonus.
Do you own or run a business that spends on cards?No Yes
Business 1 Business name Monthly spend by category - or upload statements for each of its cards below and leave the boxes blank.
Advertising (Google, Meta, etc.) Software and SaaS Shipping Inventory and supplies Contractors and payroll by card Travel Meals Fuel Utilities and telecom Insurance Equipment and hardware Wholesale / restaurant supply Medical or dental supplies Everything else
If you would rather not split it: about how much goes on this business's cards in a typical month? Cards this business uses - start typing and pick from the list, one card per box+ another card Points or miles on this business's cards (optional) Statements for this business - one file per card; add as many files as you need. Statements are read for categories and amounts only; we strip names and account numbers.+ add another file How do I find this? Chase: Log in at chase.com → pick the card → Statements & documents → download the latest statement as PDF, or More → Spending summary for the category totals.American Express: americanexpress.com → Statements & Activity → Year-End Summary or Download CSV for the last 12 months.Capital One: capitalone.com → the card → View Statements (PDF) or Download transactions (CSV).Citi: citi.com → Statements → the month you want → Download PDF, or Account Activity → Export.Bank of America / Wells Fargo / US Bank: the card's Statements page → Download (PDF or CSV). A screenshot of the spending-by-category chart also works.Any card: A screenshot of the app's 'spending' or 'insights' chart is fine - we read categories and amounts only and strip names and account numbers.Will this business's card spend change over the next year? (this is what the plan optimizes for)About the same Up about 25% Up about 50% Double or more Triple or more Down about 25% Business 2 Business name Monthly spend by category - or upload statements for each of its cards below and leave the boxes blank.
Advertising (Google, Meta, etc.) Software and SaaS Shipping Inventory and supplies Contractors and payroll by card Travel Meals Fuel Utilities and telecom Insurance Equipment and hardware Wholesale / restaurant supply Medical or dental supplies Everything else
If you would rather not split it: about how much goes on this business's cards in a typical month? Cards this business uses - start typing and pick from the list, one card per box+ another card Points or miles on this business's cards (optional) Statements for this business - one file per card; add as many files as you need. Statements are read for categories and amounts only; we strip names and account numbers.+ add another file How do I find this? Chase: Log in at chase.com → pick the card → Statements & documents → download the latest statement as PDF, or More → Spending summary for the category totals.American Express: americanexpress.com → Statements & Activity → Year-End Summary or Download CSV for the last 12 months.Capital One: capitalone.com → the card → View Statements (PDF) or Download transactions (CSV).Citi: citi.com → Statements → the month you want → Download PDF, or Account Activity → Export.Bank of America / Wells Fargo / US Bank: the card's Statements page → Download (PDF or CSV). A screenshot of the spending-by-category chart also works.Any card: A screenshot of the app's 'spending' or 'insights' chart is fine - we read categories and amounts only and strip names and account numbers.Will this business's card spend change over the next year? (this is what the plan optimizes for)About the same Up about 25% Up about 50% Double or more Triple or more Down about 25% Business 3 Business name Monthly spend by category - or upload statements for each of its cards below and leave the boxes blank.
Advertising (Google, Meta, etc.) Software and SaaS Shipping Inventory and supplies Contractors and payroll by card Travel Meals Fuel Utilities and telecom Insurance Equipment and hardware Wholesale / restaurant supply Medical or dental supplies Everything else
If you would rather not split it: about how much goes on this business's cards in a typical month? Cards this business uses - start typing and pick from the list, one card per box+ another card Points or miles on this business's cards (optional) Statements for this business - one file per card; add as many files as you need. Statements are read for categories and amounts only; we strip names and account numbers.+ add another file How do I find this? Chase: Log in at chase.com → pick the card → Statements & documents → download the latest statement as PDF, or More → Spending summary for the category totals.American Express: americanexpress.com → Statements & Activity → Year-End Summary or Download CSV for the last 12 months.Capital One: capitalone.com → the card → View Statements (PDF) or Download transactions (CSV).Citi: citi.com → Statements → the month you want → Download PDF, or Account Activity → Export.Bank of America / Wells Fargo / US Bank: the card's Statements page → Download (PDF or CSV). A screenshot of the spending-by-category chart also works.Any card: A screenshot of the app's 'spending' or 'insights' chart is fine - we read categories and amounts only and strip names and account numbers.Will this business's card spend change over the next year? (this is what the plan optimizes for)About the same Up about 25% Up about 50% Double or more Triple or more Down about 25% + another business Do you put business expenses on a personal card and get reimbursed (you keep the points)?No Yes
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Step 5 of 5
5. Ready
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Free. No credit check. Perko ranks cards on your numbers before it looks at what they pay us.
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