Hi Product Hunt 👋 I'm the founder of Finly Labs, and Perqa started from a dumb, recurring problem: I had a drawer of credit cards and never knew which one to actually pull out. The "best" card for groceries isn't the best for Lazada, or for a flight, or overseas — and the rules change constantly. Perqa fixes the in-the-moment decision. Search a merchant (or just open it where you are and it knows you're at the petrol station) and it shows the card **in your wallet** that earns the most, with the real, current rate. You can also: • Drop in a card statement (PDF) — the AI reads it and shows what you earned vs missed • Track sign-up bonus progress and mile-expiry deadlines across pools • Check perks (lounge, hotel nights, travel insurance) and overseas/FX fees Two things I care about: **no bank logins** (it never asks for your banking credentials), and **independence** — recommendations are based purely on your spend and the cards' published rates, never on what a bank might pay us. Every rate is verified against the source before it ships. It's free and live on the App Store, Google Play and at perqa.app (built for Singapore cards today). It's early and solo-built — I'd love your honest feedback, especially if you spot a rate that looks wrong.

Perqa

Your best card to use — right now, wherever you are

Your best card to use — right now, wherever you are