Add your cards once. TapPerk does the math you'd never do in a checkout line.
Pick them from a list — Amex Gold, Costco Visa, Chase Freedom. No card numbers; just which products you carry. From this alone, TapPerk already knows every card's bonus categories.
Forward an offer email, photograph a paper mailer, or connect your inbox (read-only, issuer senders only). TapPerk reads the fine print — spend thresholds, expiry, exclusions, activation — and adds each offer to the math.
Your phone notices the store on-device and asks TapPerk which card wins there. In a second you get: "Pay with Home Depot Card — $15 off." Coverage, foreign-fee, and credit-utilization checks are folded in automatically.
If the bank needs an offer activated first, TapPerk tells you — with the dollars at stake — and links straight to the issuer's page, then remembers what you've activated so it never nags twice. Spend-threshold offers fill their own progress meter from your receipts or purchase alerts.
No. Only the card's name and last four digits, so we can match offers to the right card. We can't charge your cards — we don't have their numbers.
Your phone resolves your location to nearby place names on-device (Apple Maps). Only the place names reach us — never your coordinates.
Never required. Forwarding an offer or snapping a photo works with zero access. If you do connect Gmail, it's read-only, limited to credit-card issuer senders, and revocable in one tap.
The app is free. If you apply for a card through a link in the app, we may earn a commission — but recommendations are ranked by your math, and we'll say so when no new card beats what you already hold.
TapPerk is free on the App Store — download it for iPhone (iOS 17 or later), sign in with Apple, and add your cards from the built-in catalog.