TapPerk — the right credit card at every store
Right card. Right place. Right time. You're carrying hundreds of dollars in unused card offers and bonus categories. TapPerk is a free iPhone app that tells you which of your cards to pay with the moment you arrive — and why.
Download on the App Store See how it worksFree on iPhone · iOS 17 or later
What TapPerk is
TapPerk is a free iPhone app that tells you which credit card in your wallet earns the most at the store you're standing in. You add the cards you carry; TapPerk tracks their bonus categories, your card-linked offers, and any spending thresholds attached to them, then names the winning card — at the moment you're about to pay.
How TapPerk uses Gmail
Connecting Gmail is optional — TapPerk works fully without it. If you do connect it, here is exactly what happens.
Banks deliver card offers and purchase alerts by email, and there is no other way to see them. With your permission TapPerk reads those messages so your offers appear in the app automatically instead of being typed in by hand.
Only messages from credit-card issuers — offer emails and transaction alerts. Everything else in your mailbox is ignored: we never read personal mail, and we never send, delete, or modify any message.
We extract the offer terms (merchant, reward, expiry) and purchase amounts to build your offer list and track spending progress toward bonuses. Nothing is sold, shared, or used for advertising, and no human reads your mail.
Access is read-only and revocable at any moment: Settings → Offer sources → Disconnect removes our copy of the grant and revokes it at Google. Deleting your TapPerk account erases everything server-side.
TapPerk's use of information received from Google APIs adheres to the Google API Services User Data Policy, including the Limited Use requirements. Full detail in our Privacy Policy.
Everything working for you at checkout
Add your cards once — no numbers, just the products. The rest builds itself.
Walk into a store and TapPerk names the card that earns you the most there — offer, bonus category, or both.
It knows every card's earn structure and picks the mathematical winner at any gas station, restaurant, or grocery run — before any offer is even added.
Forward an offer email, snap a paper mailer, or connect your inbox (optional, read-only, issuer emails only). Targeted offers join the math automatically.
Banks quietly require you to activate offers before they pay out. TapPerk lists every one that's still waiting — with the dollars at stake and the days left — and takes you straight to your issuer's activation page.
At the rental counter it leads with the card that carries insurance. Abroad, cards with foreign-transaction fees sink to the bottom automatically.
Optional: tell it your statement dates and it steers spend away from a card about to report high utilization — protecting your score.
"Spend $900/month, get $90." Snap the receipt or connect purchase alerts and TapPerk meters your progress so bonuses never slip away half-earned.
When a real gap shows up — no rental coverage, a category you overpay on — it names the card that fills it. Only when it genuinely beats what you hold.
Privacy is the architecture
We store the card's name and last four digits. We can't charge, and a breach can't leak, what we never collect.
Store detection runs on-device with Apple Maps. Only place names — never coordinates — reach our servers.
We never ask for your bank password. Email connection is optional, revocable in one tap, and reads only card-issuer senders.