Add your cards. See your perks. Check them off.

We check every perk, on every card, every few days.

Not once when you sign up. Not once a month. Every few days, we go back to the source — the card issuer’s own website — and verify that what we’re showing you is still accurate. If your Amex Platinum adds a new quarterly perk or your Chase Sapphire Reserve changes a perk amount, we catch it within days, not months.

Most apps pull card data once and hope for the best. We don’t.

We cross-check against multiple sources.

We don’t just look at one place. For every card in our system, we compare information from the card issuer’s website, independent financial databases, and our own records. When all three sources agree, we know the data is solid. When they don’t, a real person on our team reviews it before you ever see it.

Think of it like getting directions from three different people. If they all say “turn left,” you turn left with confidence.

We tell you how confident we are.

Every perk in PerkList has a confidence indicator:

You'll never see data we're unsure about presented as fact.

We’d rather tell you “we’re double-checking this one” than show you something wrong.

We’re honest about what perks are actually worth to you.

Some apps will tell you your card has “$1,500 in annual perks” and leave it at that. But you and I both know that the $200 Saks perk isn’t worth $200 if you don’t shop at Saks. And the airline fee perk is notoriously tricky to actually use.

PerkList shows you two numbers: what your perks are worth on paper, and what they’re realistically worth based on how most people actually use them. No inflated promises.

A real person reviews every change.

When our system detects that a perk has changed — a new value, a new partner, a removed benefit — it doesn’t just auto-update and move on. Every change gets reviewed by a real person before it hits your dashboard. For premium cards (the ones with $400+ annual fees and the most at stake), the bar is even higher.

This is the part that takes the most time. It’s also the part we refuse to skip.

We don’t need your bank login. Or your card number. Or anything sensitive.

You just pick your cards from a list. That’s it. We never see your transactions, your balances, or your personal banking information. There’s nothing to hack because we never ask for it in the first place.

Your data stays yours. Delete your account anytime and everything goes with it.

Why we go to all this trouble.

Because if you check off a perk in PerkList and the information is wrong — if you think you have a $15 Uber perk but it actually changed to $10 last month — that’s not a minor inconvenience. That’s a broken promise. And broken promises are how apps lose people forever.

We’d rather verify one card three different ways than get a hundred cards sort-of-right. That’s the whole point.