Kivo Wallet

Know the best card to use for every purchase — instantly. No spreadsheets, no guessing.

Know which card to use — before you pay.

Kivo instantly tells you the best credit card for every purchase. No spreadsheets. No guessing. No math. Just open the app, see your answer, and pay with confidence.

Works offline. Works instantly. Works every time.

HOW IT WORKS Add your credit cards. Kivo already knows the rewards structure, bonus categories, and rotating offers for hundreds of cards. When you're about to make a purchase, Kivo shows you exactly which card earns the most — whether it's cashback, points, or miles.

WHY KIVO Unlike other apps, Kivo doesn't need an internet connection or a linked bank account. Your card data stays on your device. The recommendation engine runs locally, so it's fast, private, and always available.

BUILT FOR REAL LIFE

• Grocery run? Kivo tells you which card gets 5% back
• Booking a flight? See which card earns 3x miles
• Gas station? Know instantly if your rotating category is active
• Dining out? Don't leave points on the table

FEATURES

• Instant card recommendations by spending category
• Offline-first — works without WiFi or cell signal
• Supports hundreds of U.S. credit cards
• Tracks rotating bonus categories automatically
• Clean, fast interface — no clutter, no ads
• No bank login required — fully private

Stop leaving money on the table. Kivo makes every swipe count.