perkifyin development · early access
get more from every dollar you spend.
perkify helps Canadians choose the right credit cards, maximize rewards and cashback, and get more value from the cards they already have.
first 50 members get 3 months of the paid plan free at launch.
free to join · built for Canadians
No login. We never ask for card numbers, PINs or banking details.
the problem
most people aren't using their cards strategically.
monthly spending
- groceries$650
- dining$300
- travel$250
- gas$180
- other$620
your current setup
estimated annual rewards
$240
one cashback card, used everywhere
with perkify
estimated annual value, no annual fees
$490
+$250 a year · the right card per category
which card for what
- groceries (Loblaw stores)PC Financial World Elite Mastercard3%
- restaurantsCIBC Costco Mastercard3%
- gasCIBC Costco Mastercard2%
- everything elseeither card1%
illustrative example: $2,000 a month spending with two no-fee cards. see how we calculated this
the Costco card requires a Costco membership. the 3% grocery rate assumes you shop at Loblaw stores.
free tools, available now
try perkify today.
free calculator
add the cards you already have and see which one to use for each purchase.
open the calculatorkeep or cancel?
check whether your card's rewards and benefits are worth its annual fee.
check my cardwhy perkify
made in Canada, for Canadian wallets.
most rewards tools are built for the US market. they don't know PC Optimum from Scene+, or why a Costco run in Calgary is different from one in Columbus. perkify helps everyday Canadians see the real value of their cards and make one or two simple changes that pay off every month.
no sponsored rankings and no bank login. if we ever earn a commission from a card link, it won't change how cards are ranked.
built by a former fraud and banking professional at a major Canadian bank. our methodology is public, so you can check our math.
faq
questions, answered.
perkify is a Canadian product in development that helps you get more value from the credit cards you already have. You add your cards and rough monthly spending, and perkify estimates what each card earns and shows the best one for each type of purchase.
Yes, joining the waitlist and using the calculators are free. When the full app launches it will have a paid plan, and the first 50 waitlist members get 3 months of it free.
perkify is free to use today. In the future, we may earn a commission when you apply for a card through some links on our site, and we'll label those links clearly. Commissions will never change how cards are ranked or which card we show as best for you. We also plan to offer a paid plan with extra features.
No. Credit card interest is usually 20% a year or more, and no rewards card earns anywhere near that. Rewards only pay off if you pay your full balance every month.
No. perkify works from spending you type in yourself, so there's no bank login and we never ask for card numbers, PINs or banking details. Any future account connection would be optional.
We're actively building perkify and don't have a public launch date yet. Waitlist members will hear first, by email.
early access
stop leaving value on the table.
start with your name and email. a couple of optional questions help us build perkify around how Canadians actually spend.
We respect your privacy. No bank login, never sold. See our privacy policy.
takes about 20 seconds
first 50 members get 3 months of the paid plan free at launch.