Prfct: Spend brilliantly

About

Stop guessing which credit card to use at checkout.

Prfct quietly watches the cart you're already filling and tells you which card in your own wallet earns the most rewards on that specific purchase. Groceries on Amazon? It knows. Flights on Delta? It knows. A gas station on the way home? It knows. The recommendation comes from the cards you've actually connected, not a generic "best cards" list that ignores what you own.

How it works:

1. Sign up with your email. No password to remember, we send a one-time code.
2. Connect your bank or card issuer through Plaid, the same secure connection used by Venmo, Robinhood, and Chime. Prfct never sees or stores your bank login.
3. Shop normally. When you reach checkout on a supported site, a small Prfct prompt slides in with the best card from your wallet and why.

Why people use Prfct:

- You already pay for premium cards (Sapphire, Platinum, Venture X, Gold). Prfct makes sure you actually use the right one. The annual fee only pays off if you maximize the categories.
- You have more than two cards and can't keep track of which one earns 4x at restaurants vs. 3x on travel vs. 1.5x flat. Prfct keeps track for you.
- You want the rewards without changing how you shop. Prfct doesn't redirect, doesn't push affiliate cards, doesn't sell your data.

Works with most major US banks and card issuers through Plaid. New banks are added regularly. If you don't see your card issuer at signup, check Plaid's coverage at plaid.com/coverage or email [email protected] and we'll prioritize it.

Privacy and security:

- Bank connections run through Plaid, which is SOC 2 Type II audited and used by 8,000+ financial apps.
- Prfct does not store your bank password.
- Prfct does not see the items in your cart, your shipping address, or your card numbers.
- Prfct does not sell user data. Ever.

Free for users. Prfct earns through affiliate partnerships with card issuers when we send a new customer their way, never by taking a cut of the rewards you earn.

Built in the US, for US cardholders. International support is on the roadmap.

Questions, feedback, or a bank you wish we supported? Email [email protected] or visit theprfct.app.