The idea behind Kairo
One less thing
to remember.
Groceries. Gas. Dinner with friends. Life comes with enough decisions. Remembering every card reward, credit and offer adds one more.
“I had the cards. I kept forgetting the rewards.”
The everyday problem that started Kairo
At checkout, I’d reach for the familiar card and wonder if another one made more sense. I started Kairo to bring the useful details together and make that choice a little clearer.
What we’re building
A little clarity.
Right when you need it.
Whether you plan every purchase or usually reach for the same card, the idea is simple: make the benefits you already have easier to understand and remember.
See your options
Compare the cards you already have for a store or category. Start with what’s in your wallet.
Remember the extras
Keep recurring credits and offers you add in view, alongside the rewards on your cards.
Understand the choice
See the reason behind a recommendation. Check the conditions and choose what works for you.
Starting with cards. Looking toward more everyday benefits.
Explore the visionright card. right now.
The best card for the store you’re in —
right on your lock screen.
Coming soon to iPhone and Android, with up to 3 active cards on the Free plan. Kairo is being built to help you compare rewards from your saved cards at supported stores.
No bank login or card numbers. Picks are calculated on your phone. Background alerts need permissions and setup; offline picks need downloaded card and store data.
Illustration of the planned experience. Requires setup, permissions and downloaded coverage; timing and rewards vary.
A pick on your lock screen
With supported stores, permissions and setup, Kairo is designed to send a notification with the best card when you arrive at a store. On iPhone it is time-sensitive, so it lights up your lock screen. Alert timing depends on your phone and settings.
Works offline
Picks are calculated on your phone using downloaded card rules and store data. You need internet for setup, updates and new areas; an undownloaded area cannot provide offline store picks.
Private by design
Kairo is being built to calculate picks on your phone without bank credentials or card numbers. Regional downloads reveal an approximate area to the data host; maps and optional store reports have their own data flows.
This prelaunch website has no paid card placements or affiliate links.See how comparisons work.
102 US cards and counting
Popular cards from every big issuer
Kairo knows their earn rates, bonus categories and credits.Browse all cards →