Kooroo — Best Card for Every Purchase — Kooroo

Own three or more rewards cards and you are guessing at checkout. One is
better for dinner, another for flights, another for whatever category
happens to be rotating this quarter — and nobody remembers which is which
at the moment they are about to pay.

Kooroo works it out for you in real time, on the page you are already on.
No account, no sign-up, and it never asks for a number.

💳 See the winner before you pay
A small badge appears near the checkout button. Click it and you get the
top pick from your own wallet, the runners-up ranked behind it, and the
one-sentence reason — so you can check the logic instead of taking it on
faith.

🧠 Built for real merchants, not a lookup table
Merchant detection runs through a language model rather than a fixed rule
table, so it handles the awkward stuff — subscriptions, marketplaces,
small independent shops — instead of only the couple of hundred retailers
a rules-based tool hardcodes.

📈 The gap is not theoretical
Put dinner on a 4x dining earner instead of the 1x you default to and that
is four times the points for the same meal. Repeat that across groceries,
flights and subscriptions for a year and it stops being pocket change.

🔒 Names only, never numbers
Your wallet list lives on your device. Nothing here asks for, stores or
transmits numbers, CVVs or expiry dates — the names alone are enough to do
the math.

⚡ Set up in about a minute
Tell it what you carry, then shop the way you already do. Do not want the
badge on a particular site? One click and it stays away there.

🌎 WHAT IT COVERS
118 rewards cards today, and the catalogue keeps growing. Coverage is
deepest in Canada, where the big banks' lineups are in properly. U.S.
coverage is narrower for now — the most popular earners, with more going in
as we build. The picker shows what is issued where you are, and travellers
with accounts on both sides of the border can switch region in settings.
Check yours before you install: https://kooroo.io/coverage

🛡 PRIVACY, PLAINLY
Your wallet list stays on your device. To work out a recommendation it
sends the page address, the page title and up to 2,400 characters of the
page's visible text to our server, which passes that to an AI provider; the
result is cached for up to seven days and then discarded. A random install
ID rides along so the monthly limit can be applied — there is nothing to sign
in to and no profile behind it. Uninstalling removes everything held on
your device. Full policy: https://kooroo.io/privacy

💵 WHAT IT COSTS
Free for 20 recommendations a month, which covers regular shopping. If you
want that cap lifted, Pro is $4.99 a month, or $49 a year if you would
rather pay once. Cancel anytime. That is the entire pricing page.

🤝 HOW WE MAKE MONEY
Now and then we will point out something you do not own that would clearly
beat what you are carrying — annual fee stated up front, plus the
plain-English math on when it pays for itself. If you apply through one of
our links we may earn a commission, and some suggestions may be paid
placements, which are always labelled as such. Neither one changes which of
your own we tell you to reach for. We do not sell your data.

Kooroo is an independent tool. It is not affiliated with, endorsed by or
sponsored by any bank, issuer or payment network. Recommendations are
estimates based on published earn rates, which issuers change without
warning — check your own terms before a large purchase.

Add it, spend a minute telling it what you carry, and stop leaving points
on the table.