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.

Live at checkout
sephora.com/checkout
SEPHORA
Your cartSephora
  • Hourglass Ambient Lighting Palette$82.00
  • Drunk Elephant Protini Moisturizer$68.00
  • Rare Beauty Soft Pinch Blush$34.50
Total$199.86
PRFCTBest card found
Amex Gold+$5.99
4× dining & US supermarkets · 1× online retail · best value here
Chrome Web Store — coming soonNo credit card required
Bank-grade security256-bit encrypted60-second setup
Connected to every major card & bank
Plaid
Capital One
Citi
Plaid
Capital One
Citi
$2,847
Avg extra rewards / yr in beta
Bank-grade
End-to-end encryption
20+
Major cards supported
1.4s
Avg time to recommendation
The payoff

Your annual fees should pay for themselves.

Prfct reads how you actually spend and shows which of your cards is earning its keep, and which one is quietly costing you.

Recalculated monthly. Surfaced before next January's renewal.

Your wallet · this year
Best for your travel + dining
Sapphire Reserve · $550 fee
+$412
Net after fee. Worth keeping for how you spend.
Not pulling its weight for you
Amex Platinum · $695 fee
−$118
Quietly draining. Prfct flags it before renewal.

Example based on one user's actual spend. Your results will vary.

The problem

You're already spending. Prfct just makes sure you're rewarded for it.

Americans leave $16 billion in credit card rewards unclaimed every year - not because they did anything wrong, but because keeping track of which card earns the most where is a full-time job. Prfct does it for you, automatically, every time you check out.

Reward optimization

Bonus categories and transfer values factored in automatically.

Credit score tracking

Watch your score move in real time. See what helps or hurts.

Financial health

Utilization, APR exposure, and fee ROI in one calm view.

No expertise required

You don't have to be a points expert. Prfct already is.

Most people don't have time to track 14 reward categories across 4 cards and remember which promo expires when. So they pick one card, swipe it for everything, and quietly miss out on hundreds of dollars a year.

Without Prfct

"Wait, is dining 3× or 4× this quarter?" You guess, swipe the wrong card, and leave money on the table - every single checkout.

With Prfct

One sentence at checkout: which card, and why. No spreadsheets. No math. Just the answer.

How it works

Three steps. Sixty seconds.

Set it once. Prfct does the rest, quietly, every time you check out.

  1. 01

    Connect your cards

    Link securely via Plaid in under a minute.

  2. 02

    Shop anywhere online

    Prfct activates the moment a checkout loads.

  3. 03

    Earn what you deserve

    One sentence, one card, one tap to pay.

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
vs
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.

Get early access the moment Prfct launches on the Chrome Web Store.

No spam. Just your launch invite.

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