The honest version
Perqa is free to use. When you decide to apply for a card, you can apply through a link on Perqa. For some cards we earn a small referral commission from the bank (or a partner) if you’re approved. That commission is how we keep the app free.
Crucially: the commission never changes which card we recommend. Our rankings are pure maths — whichever card earns you the most given what you’ve already spent. We don’t boost a card because it pays us more, and we don’t hide one because it pays us nothing.
Rankings are spend-based, full stop
The engine ranks the cards in your wallet by effective return on your actual spend. Referral commissions are not an input to that calculation — ever.
We only earn if you choose to apply
No commission for showing you a card, recommending it, or for you using a card you already hold. We only earn when you apply through our link and the bank approves you.
The same card for everyone
Two people with the same wallet and spend see the same top pick, whether or not a card has a referral link. Affiliate status is invisible to the ranking.
What about cards with no commission?
Plenty of the cards Perqa recommends pay us nothing, and we recommend them just the same when they’re the best pick for you. If we only showed cards that paid us, the app would be useless — and you’d stop trusting it. That trust is the whole business.
Questions?
If anything here feels off, tell us at support@perqa.app. More on who we are and what we stand for on the About page.