Bills Must Be Paid Perks: How to Pick the Right Card

Quick answer

Perks: pick the one that fixes the current bottleneck — income early, damage later

Every paid bill deals you a choose-one-of-three perk card. Known cards include Deep Freeze (chance to freeze all piggies for 2.5s, chance builds per swing), Recovery Smash (+1 stamina per smash), and Interest Rate (earn 5% of savings as bonus coins each run). Perks compound across the cycle — so the rule is simple: not enough money → income; stamina ends too soon → stamina; piggies take too long → damage.

Perk reference

Known perk cards and what they do

Card names and effects come from official screenshots; the tier ranking follows the community wiki's S/A/B/C structure (player reports).

Decision rule

How to choose between three options

Take stamina and income scaling over one-off effects (player reports consensus). A perk that looks powerful but does not solve the current limit is a wasted pick.

FAQ

Perk FAQ

Q: When do I get a perk?
A: After each completed bill payment — the game deals three random cards and you choose one.

Q: Do perks last forever?
A: They compound for the rest of the current cycle; bankruptcy resets them. Permanent power comes from rings/bracelets via Legacy Points.

Q: Is Deep Freeze always good?
A: It is strong on crowded desks but wasted when you already clear the desk — the freeze chance builds per swing, so it pays off in long runs.

Q: Should I ever skip a perk?
A: You cannot skip — you pick one of three. The skill is identifying which of the three fixes the current bottleneck.