The idea
Your cards. A clearer choice at checkout.
Kairo is in development for iPhone and Android. The planned experience compares rewards from your saved cards at supported stores, with lock-screen alerts after setup.
Add your cards
The planned Free experience keeps up to 3 cards active. Choose your cards by name: no card numbers and no bank login. You sign in to use Kairo; your account keeps your profile, cards and settings.
Kairo learns your cards' rules
Download supported card rules and the store data for your area before using offline picks. Updates and new areas require internet. Rates, caps, eligibility and merchant coding can affect the result.
Arrive at a store
Kairo uses your phone's location to detect when you approach a supported merchant. Arrival detection runs on your phone. Downloading a region reveals an approximate area to the data host; the map provider sees the map area.
The right card appears on your lock screen
Enable the required location and notification permissions. When you arrive at a supported store, Kairo sends a notification with the best card. On iPhone it is time-sensitive, so it lights up your lock screen. Background behavior and arrival timing depend on device settings and operating-system limits.
Tap to pay, done
Use your chosen card through your usual payment method. Kairo does not make payments. Picks are estimates based on the saved cards, available rules and point values; actual rewards depend on issuer terms and redemption choices.
Private by design
- You add cards by name. Kairo doesn’t ask for card numbers.
- Exact-location detection runs on your phone. With an optional I’m here report at a store, Kairo sends that store and a rounded spot, with no account and no device id, so store locations get fixed for everyone. You can turn this off.
- Regional store downloads reveal an approximate area to the data host. Apple Maps or Google Maps see the map area you view.
- Your searches and saved stores stay on your phone.
- Your account keeps your cards and settings so they follow you to a new phone.
- No analytics, no tracking scripts, no third-party cookies.
- Backup and recovery are not part of the current prelaunch offering. Do not rely on sign-in to restore on-device history.
There are no paid card placements or affiliate links on this website. App privacy disclosures will describe the released app before it becomes available; the current privacy notice covers this website.
Ready to try it?
Kairo is coming to iPhone and Android. Free for up to 3 cards.