Perko Pro: the bonus on the bonus
The free report tells you which cards earn the most on your spending. Pro makes the points those cards earn worth more.
How it works
- You earn points. Your card pays you in a bank's points: Chase Ultimate Rewards, Amex Membership Rewards, Capital One miles and a few others.
- You move them to a travel program. Those points transfer to airline and hotel programs, usually one for one. That is where they buy flights and hotel nights.
- Every so often, the bank adds a bonus to the transfer. For a few weeks it adds 25%, 50%, sometimes 70% or more on top. Move your points during a window and the same points book a lot more.
A real one: in September 2026, Bilt Rewards added 100% to transfers to Virgin Atlantic Flying Club. 100,000 points became 200,000 for the same spending.
Transfer bonuses we have recorded in the last 24 months: Chase Ultimate Rewards 18, Amex Membership Rewards 8, Bilt Rewards 4, Capital One Miles 2, Hsbc Rewards 1, Marriott Bonvoy 1. See the full record.
What Pro does for you
- Watches the programs your goals use and emails you when a bonus opens that is worth acting on for your balances.
- Reminds you before money slips away: a statement credit about to lapse, a welcome-bonus spending deadline, an annual fee about to renew.
- Tells you when the next card in your plan comes due, after checking that the card is still available.
What it costs
Nothing during the preview. No card required, nothing to cancel, and we will tell you before anything ever costs money. Your report shows what Pro would cost for your household when it launches, from a published formula.
You turn Pro on from your report, once you have one.