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PerkList vs CardPointers

We track your perks. They optimize your swipes.

CardPointers helps people with 8+ cards figure out which one to tap at every store. PerkList helps people with 2–3 cards actually use the perks they're paying for.

PerkList

From $80/yr

Free for 2 cards

CardPointers

$72/yr

No free tier

What CardPointers does

CardPointers is a well-built app for people who think about credit card points the way some people think about fantasy football. It tells you which card to use at every store, tracks rotating categories, and helps you maximize a large portfolio. If that describes you, it's genuinely good at what it does.

Why we built PerkList

But most people don't have 8 cards. Most people have 2 or 3, at least one with an annual fee, and a nagging feeling they're not using everything they're paying for. PerkList doesn't tell you which card to swipe — we show you which perks reset this month and let you check them off.

Feature comparison

FeaturePerkListCardPointers
Monthly perk checklists
Built for 2–3 card households
Free tier (track 2 cards)
Annual fee offset tracker
Perk reset heads up
No bank login required
Which card to swipe at checkout
Native iOS/Android app
Auto-enroll in card offers
Rotating category tracking

Honest take

CardPointers is a good product for its audience. If you're someone who optimizes every swipe, it might be a better fit. PerkList is for everyone else — the people who just want to use what they're paying for.

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