Now in private beta·Backed by Plaid

The Prfct card for every purchase.

Prfct tells you the best card to use for the biggest reward — free, instant, and built personally for you. Like Google Flights, but for your credit card rewards.

Chrome Web Store — coming soon·Free forever · No credit card required
Bank-grade security256-bit encrypted60-second setup
amazon.com/checkout
Order summary
Sony WH-1000XM5 wireless noise-cancelling headphones
Sony WH-1000XM5 Headphones
Qty 1 · Sold by Amazon.com
$349.99
Total$378.86
PRFCTCheckout detected
Your best card
Chase Sapphire Reserve+$7.96
3× shopping · 2.1¢/pt · best value on this purchase
Your other cards
  • Chase Freedom Unlimited
    1.5× everything · 1.0¢/pt
    +$5.68
  • Amex Gold
    1× shopping · 1.0¢/pt
    +$3.78
Cards you don't have yetSponsored
Amazon Prime Visa+$17.50
5× at Amazon · Earn $9.54 more than your best card
Optional upgrade
Connected to every major card & bank
Plaid
Capital One
Citi
Amazon
Plaid
Capital One
Citi
Amazon
$2,847
Avg extra rewards / yr in beta
247+
Smart spenders on the waitlist
20+
Major cards supported
1.4s
Avg time to recommendation
The problem

Americans leave $16 billion in rewards on the table every year.

Most people swipe the same card for everything — and miss bonus categories, transfer partners, and quarterly promos worth thousands. Prfct fixes that, then keeps going: tracking your credit, your utilization, and the overall health of your wallet.

Reward optimization

The right card on every purchase. Bonus categories, promos, and transfer values factored in automatically.

Credit score tracking

Watch your score move in real time. See exactly which actions help or hurt — before you take them.

Financial health

Utilization, due dates, APR exposure, and annual fee ROI — all in one calm view of your wallet.

How it works

Three steps to spending brilliantly.

A smartphone connected to a stack of credit cards by a single thin gold line01

Connect your cards

Link your accounts securely via Plaid in 60 seconds. Prfct detects your cards automatically — no manual entry.

A laptop on a cream backdrop showing a glowing shopping cart and a gold cursor near a checkout button02

Shop anywhere online

Prfct runs quietly in the background and activates the moment it detects a checkout page. Nothing to click, nothing to remember.

A premium gold credit card floating with delicate gold confetti rising around it03

Earn what you deserve

See exactly which card to use and why — in one sentence, before you pay. Never leave points on the table again.

The difference

Not all points are created equal.

Your Chase points are worth 2.1¢ when you transfer to Hyatt — but only 1.0¢ if you cash out. Prfct knows the difference and factors it into every recommendation, based on how you actually redeem. Most people are leaving hundreds of dollars on the table every year without knowing it.

Same 100,000 Chase points
100,000 pts
Cash out
Statement credit
$1,000
1.0¢ / pt
Prfct picks this
Transfer to Hyatt
2 nights at a Cat-6 property
$2,100
2.1¢ / pt
Difference on a single redemption+$1,100
Features

Built for how you actually spend.

Real card data

Connects to your actual accounts via Plaid. Balances, credit limits, and active promotions always up to date. No manual entry, ever.

Personalized to you

Prfct learns how you redeem your points and values them accordingly. Not industry averages — your actual redemption behavior.

Promotion tracking

Rotating quarterly categories, limited-time bonus offers, and personalized card deals tracked automatically. Never miss a bonus again.

Every major card

Chase, Amex, Capital One, Citi, Discover, and more. Over 20 pre-loaded cards with accurate reward structures built in.

Roadmap

This is just the beginning.

Prfct is building the complete intelligent payments layer — from recommendation, to transaction, to the card itself.

The Prfct Card — a matte black metal card with gold accents
Coming 2027 · For consumers

The Prfct Card.
One card. Every reward.

One physical card in your wallet. Tap it anywhere — Prfct routes to your best underlying card in real time, earning you the most on every purchase. No more swapping plastic at the register. No more guessing.

Auto-routingMetal · MatteSingle statement
Launching 2027 · Limited spots

Reserve your Prfct Card

Join the waitlist and we'll email you the moment early access opens. No spam, ever.

Available now

Prfct Extension

The smartest card recommendation at every online checkout. Free, instant, and connected to your real accounts.

Chrome Web Store — coming soon
See it in action

One recommendation. Every checkout.

PRFCTLive recommendation
Merchant detected
Amazon.com · Shopping
Winner
Chase Amazon Prime Visa

Use your Chase Amazon Prime Visa — 5× shopping at 1.0¢/pt. Earning 5.0¢ per dollar, your best card here.

Other cards
  • Chase Sapphire Reserve1.0¢ / $
  • Amex Gold1.0¢ / $
  • Capital One Venture X2.0¢ / $
20+ cards supported
Real-time recommendations
Powered by Plaid
Early access

Be first to spend brilliantly.

Prfct is coming soon to the Chrome Web Store. Join the waitlist and get early access the moment we launch.

No spam. Just your launch invite.

Join 247 smart spenders already on the list.

FAQ

Good questions.

Prfct uses Plaid — the same technology trusted by Venmo, Robinhood, and thousands of other apps. We never see or store your banking credentials. Your data is encrypted and never sold.

All major US credit cards including Chase, Amex, Capital One, Citi, Discover, Wells Fargo, and more. Over 20 cards pre-loaded with accurate reward structures. New cards added regularly.

Yes. Prfct is free to install and use. Premium features including advanced analytics and couples card optimization are coming in a future update.

Prfct works on any online checkout page — Amazon, Shopify stores, airlines, hotels, subscription services, and thousands more. If there's a payment form, Prfct finds it.

Start spending brilliantly.

Free Chrome extension. 2 minutes to set up. Zero points left behind.

Chrome Web Store — coming soon