About CreditPerk

CreditPerk is an independent rewards audit for business credit cards. You upload a card statement, and we read every transaction, match it to a spend category, and compare the rewards your card actually paid against the best rate available on that same spend from any card in our catalog. Annual fees are subtracted, so the number you see is what the change would really be worth over a year, not a headline rate.

The tool is built for small and mid-size business owners, founders, bookkeepers and finance leads who put real volume through a card - advertising, shipping, software subscriptions, travel, fuel and everyday supplier payments - and who suspect they are earning the base rate on spend that a different card would reward at several times that rate. Most people never find out, because the comparison requires reading a card catalog line by line against a year of transactions. That is the work CreditPerk does automatically, and it finishes in a few minutes.

We are a small, self-funded product team with backgrounds in payments and data engineering. CreditPerk is not a bank, a lender, a card issuer or a financial adviser, and we do not decide which card is best for you - we show the arithmetic and let you decide. Card terms, reward rates, spending caps and welcome bonuses are set by the issuers and can change at any time, so we keep our catalog current and always show you the assumptions behind every figure. Questions, corrections and catalog fixes are welcome at any time.