KardoAI

Open KardoAI before you pay. Pick the store you’re in from the map or search, and the app ranks your saved cards for that location. You get a clear pick in seconds, so checkout stays quick and you keep more value from the same purchase.

Getting set up is simple. Add the cards you already carry, then use the store finder to choose the exact branch you’re visiting. KardoAI looks at how that place is treated by your cards and highlights the option expected to deliver the best return.

Use it throughout the day. Open it as you walk into a shop, confirm the top suggestion, and pay with confidence. You don’t have to memorize shifting bonus calendars or obscure category labels—the app handles that context so you don’t have to.

After a purchase, check your activity to see how that transaction was classified. Over time, review your history to spot where a different choice would have earned more and adjust your routine on the next trip.

Planning ahead works too. Before a weekend of errands or while traveling in an unfamiliar area, browse the map view to preview likely winners at nearby stores and decide which card to keep at the front of your wallet.

When you’re considering adding a new card, use the built-in explorer. Compare potential earnings against your spending patterns to see whether a newcomer could outperform your current setup—no spreadsheets required.