Private, independent rewards intelligence

The right cards for the way you actually spend.

A Million Perks reads your real card history on your own device, then finds the cards that fit it best. No sponsored lists. No one paying to be recommended.

Get early access See a sample report

Stays on your device No bank login Never paid by issuers

Live demo Adjust your priorities →

What matters most to you?

Your best-fit card updated

VISA •••• •••• •••• 4921 Everyday Cash 2%

Everyday Cash 2%

No annual fee · flat 2% back

98% fitTop value

$648

est. rewards on a sample $32k/yr, after fees

+$324

vs a basic 1% card

On-device analysis No account numbers Independent recommendations Based on your real spending

The work we do for you

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

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

US credit cards reviewed, from every major issuer

offer details tracked: rates, bonuses, fees, credits, perks

perk-to-spending combinations weighed against your priorities

Monthly

every offer re-checked, so your answer is never stale

That is 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.

Generic by designQuizzes and "best of" lists guess at your habits instead of reading them.

Impossible to do by handTruly understanding every offer could take a month, and the offers change the moment you finish.

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 carrying 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, and simplicity, 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.

What you get

A report that shows its work.

Not a top-ten list. A clear read on where your money goes, which cards fit it best, and the value you're leaving behind. Here is a sample, built on a representative $32,000-a-year spender.

Your rewards report

Sample

Where your money goes

Groceries$8,400

Everyday$7,800

Travel$6,000

Dining$4,200

Online$3,600

Gas$2,400

Best matches for this spending

Everyday Cash 2%No annual fee · flat 2% back $648Best value

SkyMiles Voyager$95/yr · strong on travel $575Best travel

Simple OneNo fee · one flat rate $486Simplest

Prestige Platinum$550/yr · fee outweighs rewards here $298Net of fee

On this spending, the best-fit card returns about $324 more a year than a basic 1% card, and beats the flashy premium card once its fee is counted.

You hold the dial

Rank the perks that matter, and name what to avoid.

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

Cash backAirline milesHotel pointsFlexible travel points Statement credits0% intro offersBalance transfersEasier approval No / low annual feePremium travel perksAirport lounge accessSimplicity Business rewardsInternational travelPurchase protectionPreferred issuersIssuers to avoid

The privacy promise

Rock-solid privacy. Simple as that.

Your financial data never leaves your device. Not in the browser, not in the app, not ever. There is no "more secure" version, because this is already as secure as security gets.

AES-256 the encryption standard banks and governments trust

Locked with bank-grade encryptionEverything you bring in is sealed with AES-256. Your key is yours alone. We never see it, and no one else can reach it.

It never leaves your computerStatements, photos, merchant names, and card numbers are read and analyzed right on your machine, never uploaded.

Only the totals you approve are sharedThe single thing that can ever leave is anonymized category totals you approve. No names, no account numbers. Ever.

No logins. No account numbers.No bank login, no Social Security number, no card numbers required. None of it is asked for, so none of it is at risk.

Don't take our word for it. Turn off your internet, bring in a statement, and watch it still analyze your spending. Nothing was sent anywhere, because nothing ever is.

Simple pricing

One plan. Everything included.

Start free and see what you're missing. When you want the full picture kept current all year, it is one price with everything in it. No add-ons to puzzle over. You pay us, so card companies never do.