For people with more than a few cards
The wallet for people with too many credit cards.
Kado tracks every card, credit and annual fee. It tells you which card to use, which credits are about to expire, and which cards are worth keeping.
No bank logins. No card numbers. Sign in with Apple or Google, or just start.
Everything a card-heavy wallet needs, and nothing else
Credits and reminders
Never let a credit expire.
Every card’s credits and perks, grouped by when they reset. Mark one used, and Kado reminds you before whatever is left resets.
- Monthly, quarterly, twice-a-year, calendar-year and card-anniversary resets, worked out for you
- A reminder before benefits reset and before each annual fee posts
- The card’s whole story on one screen: rewards, benefits, what you’ve used
Card value
Know which cards earn their fee.
Enter what you spend in a typical month. Kado works out what each card is worth to you (rewards plus the credits you would realistically use, minus the annual fee) and says keep or cancel.
- Net value per card and for the whole wallet, in dollars a year
- Break-even spend for every card with a fee
- Ranked against what you actually spend, not a generic profile
Best cards
Use the right card at checkout.
Pick a category like dining, groceries or travel and see your own cards ranked for it, best first.
- 13 spending categories, from dining and groceries to rent and streaming
- Only cards you hold, never a card you would have to open first
- The winner highlighted, with up to four runners-up
Transfer partners
65 airline and hotel programs: which banks move points to each one, at what ratio, and how fast.
Issuer rules
Chase 5/24, Amex limits, Citi 8/65 and the rest, counted from your open and close dates.
131 cards
Amex, Chase, Citi, Capital One, Bilt and 11 more issuers. The catalog updates without an app release.
Closed cards
Cancel a card and it moves to your archive, still counting toward the rules that look back 24 months.
Built for AI assistants
A wallet your AI can actually use.
Most card apps stop at their own screen. Kado also speaks MCP, the open standard assistants use to connect to apps. Connect Claude, ChatGPT, Cursor or an agent like OpenClaw, and it reads your wallet, answers from your own numbers, and can keep Kado up to date for you: new cards, credits you used, spending.
- Nothing changes until you say yes in the chat
- Every change is logged in Kado, and you can undo it
- Assistants never see your Apple or Google account, and can’t move money
Takes about a minute, and one tap in Claude, Cursor and VS Code.
Use an agent that sets up its own tools, like OpenClaw or Muse? Give it this line:
Set up Kado’s MCP server by following usekado.app/llms.txt
You have $187 in credits that end September 30, all on cards you already hold:
- Sapphire Reserve: the $60 DoorDash grocery credit and the $10 Lyft credit, both unused
- Amex Gold: $10 Uber Cash, the $10 dining credit and $7 at Dunkin’
The DoorDash credit is the biggest, so put your next grocery order through it today.
Here’s what I’d change in Kado:
- Add Amex Platinum ($895 fee)
- Mark the $15 Uber Cash and the $75 lululemon credit as used
Say yes and I’ll apply it. You can undo it in Kado.
An illustration: the figures are made up. Your assistant answers from your own wallet.
Your wallet stays yours
No bank logins, no card numbers
Kado only asks which cards you hold, when you opened them and what you spend. There is no field for an account or card number.
A private account
Your wallet lives in an account only you can read. Sign in with Apple or Google, or use Kado as a guest.
Delete it all, anytime
Export your wallet, or delete your account from Settings. Your data and every connected assistant go with it.
Questions
Does Kado connect to my bank or credit cards?
No. You add the cards you hold and, if you like, what you spend in a typical month. Kado never asks for a login, a card number or an account number.
Where do the card details come from?
Kado’s catalog covers 131 US cards from 16 issuers: annual fees, rewards, credits, transfer partners and issuer rules. It is reviewed by hand and updated without an app release. Issuers change terms often, so confirm with the issuer before you apply, cancel or transfer points.
How does Kado work out what a card is worth?
Rewards come from your monthly spending in each category. Credits count at a share of their face value, because you will not use all of them. Then Kado subtracts the annual fee. Every number is an estimate: open a card in Card Value to see where its number comes from.
Is my data safe?
Your wallet is stored in a private account, encrypted in transit and at rest, and security rules allow only you to read or change it. See the privacy policy for the details.
Which devices does Kado run on?
Kado is built for iPhone and iPad first, and works in light and dark mode.
Is Kado financial advice?
No. Kado helps you keep track and compare, using estimates. Decisions about applying for, keeping or closing a card are yours.
Get Kado
Every card, credit and fee, in one clear place.
Kado is heading to the App Store. Want to try it first? Email support@usekado.app and we’ll send you a TestFlight invite.