KoKo Credit Card Assistant – Privacy-first AI for optimized credit card use

Summary: KoKo is an AI assistant that analyzes credit card rewards, perks, and fees to recommend the best card for each purchase without requiring bank logins or data sharing. It helps users maximize value from their existing cards through privacy-focused, data-driven suggestions.

What it does

KoKo evaluates your credit cards’ benefits and costs to identify the optimal card for each transaction using AI, without accessing sensitive financial data.

Who it's for

It is designed for consumers managing multiple credit cards who want to optimize their spending and rewards without sharing personal banking information.

Why it matters

KoKo addresses the complexity of choosing the best card for purchases, enabling smarter decisions and increased value from cards users already own.