A Million Perks
Private credit card rewards intelligence

Find the card rewards your spending is missing.

A Million Perks reads your real card history — privately, on your own device — then ranks better cards around the perks you actually care about.

Get early access See how it works
Your statements never leave your PC or phone.

Try it: tune your priorities

watch the pick change →
Your best-fit card ↻ recommendation updated
Everyday Cash 2%
No annual fee · flat 2% back
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fit score

The work we do for you

You'd lose a month doing this once. We do all of it, every month.

A Million Perks scans the entire field of US credit cards, not a short sponsored list, and re-checks every offer as it changes. Here's the ground it covers for a single report.

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US credit cards scanned, from every major issuer
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offer details tracked: rates, bonuses, fees, credits, and perks
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perk-to-spending combinations weighed against your priorities
Monthly
every offer re-checked, so your answer is never stale

That's the name, made literal: hundreds of cards, dozens of perks each, matched across every category you spend in. Over a million ways your money could be earning more.

The problem

Comparison sites don't know how you actually spend.

They rank cards for an average person who doesn't exist. They can't see your groceries, your travel, the cards already in your wallet, or whether you'd rather have simple cash back than chase points.

01
Generic by designQuizzes and "best of" lists guess at your habits instead of reading them.
02
Impossible to do by handTruly understanding every offer could take a month — and the offers change the moment you finish.
03
Built to sell, not to fitMost sites rank whatever pays them the biggest commission, not what fits you.
$1,200+
Estimated rewards a typical household leaves on the table each year by using the wrong cards for their spending.
Monthly
How often card offers, bonuses, and perks change — so a one-time answer goes stale fast.
How it works

Four steps. Nothing leaves your device.

Bring your history in whatever form you already have it. A Million Perks does the reading, categorizing, and matching right where your data already lives.

PDF statementsPhotosCSVOFX / QFXSpreadsheets
STEP 01

Bring your history

Drop in statements, photos, CSVs, or bank exports. No logins, no linking your accounts to anyone.

STEP 02

It reads & categorizes

The app sorts your spending into categories on your device — groceries, travel, dining, and the rest.

STEP 03

Rank what matters

Weight cash back, miles, low rates, perks, simplicity, and more — from "not important" to "must-have."

STEP 04

Get a clear report

See better cards, the rewards you're missing, and exactly why each one is recommended for you.

You hold the dial

Rank the perks that matter — and tell it what to avoid.

Every priority can be set from "not important" to "must-have," and A Million Perks shows how your choices changed the results. Prefer a certain airline or bank? Want to steer clear of one? That's part of the ranking too.

Cash backAirline milesHotel pointsFlexible travel points Statement credits0% intro offersBalance transfersEasier approval No / low annual feePremium travel perksSimplicityBusiness rewards International travelPurchase protectionPreferred issuersIssuers to avoid
The privacy promise

Your credit card data never leaves your device.

On-device analysisStatements, merchants, and card details are read and categorized locally — not on a server.
Encrypted at restYour transactions, PDFs, photos, and card numbers stay encrypted on your PC or phone.
You approve every shareOnly anonymized category totals and the rankings you approve are ever used to search offers.
Non-affiliate modeFlip a switch to rank cards purely on fit, with commissions removed from the math entirely.
🔒 Your statements → On-device analysis → Anonymized category totals only this ever leaves →
Simple, honest pricing

Start free. Pay only when it finds you money.

The local spending preview is free forever. Upgrade when you want the full audit and monthly monitoring that keeps up as offers change.

Preview

Free
See what your spending is missing, in about a minute.
  • On-device spending breakdown
  • Add your current cards
  • One sample recommendation
Start free
Most popular

Annual Audit

$49/year
We grind through thousands of cards and 100,000+ offer details so you don't lose a weekend to it.
  • Everything in Preview
  • Full ranked card matches
  • Missed-rewards report with reasons
  • Non-affiliate mode
Get early access

Monitoring

$5/month
Offers change monthly. We re-check all of it and only ping you when something beats what you hold.
  • Everything in Audit
  • Monthly better-offer alerts
  • Re-audit as your spending shifts
Add monitoring

Family & Business

$12/month
Multiple people or a small business, in one place.
  • Everything in Monitoring
  • Up to 5 profiles
  • Business-card rewards matching
Talk to us
A Million Perks

Your spending already earned the perks. Go claim them.

Private by design. Built around your habits and your priorities — not a sponsored list.

Get early access See how it works