About Prky

Why Prky Exists

Premium credit cards pack thousands of dollars in annual benefits, credits, and perks. But most cardholders use less than half of what they are paying for. Benefits reset on different schedules, issuers change terms mid-year, and nobody reads the 47-page cardmember agreement.

Prky was built to solve this. You type your card names, and we read the official fine print for you. We extract every benefit with dollar values and deadlines, track your usage, and send alerts before credits expire.

How We Source Benefit Data

Every benefit listed on Prky is extracted from official card issuer sources. Our process works as follows:

1. We search official issuer websites and cardmember agreements for your card.
2. Every credit, perk, insurance benefit, and deadline is extracted with associated dollar values.
3. Benefit data is cached and refreshed periodically to capture mid-year changes by issuers.
4. Users with Pro accounts can trigger a manual refresh at any time to get the latest data.

We do not fabricate benefit values. If a benefit has a fixed dollar amount (like the $300 travel credit on the Chase Sapphire Reserve), we display that value. For percentage-based rewards (like 5% rotating categories on the Discover it Cash Back), we display "Included" since the actual value depends on individual spending.

Important Disclaimers

Prky is a benefit tracking tool, not a financial advisor. We do not provide financial advice, investment recommendations, or credit card application guidance. The benefit values displayed are based on official issuer terms at the time of extraction and may change without notice.

We do not receive affiliate commissions. Prky does not earn referral fees from credit card issuers. Our revenue comes entirely from Pro subscriptions. This means our benefit data is not influenced by affiliate relationships.

Always verify with your issuer. While we strive for accuracy, you should always confirm current benefit terms directly with your card issuer before making financial decisions.

Privacy and Security

Prky does not require bank login credentials, credit card numbers, or any connection to financial accounts. We do not use Plaid or any bank aggregation service. You simply type your card names. Your benefit tracking data is stored securely and is never shared with third parties.

About the Founder

Bogdan built Prky after realizing his household was leaving over $2,000 per year in unused credit card benefits across multiple premium cards. The spreadsheet he built to track benefits grew unwieldy, and no existing tool solved the problem without requiring bank login access. Prky was the result.

Company

Prky is operated by DTR Consortium LLC.

Contact: hello@prky.app