AI-powered credit card search and analysis platform
Navigate through different types of rewards, benefits, and annual fees.
Get AI-driven suggestions to maximize your credit card value.
Find cards by type, credit score, issuer, and benefits. Filter by annual fee comfort level and preferred partners.
Get personalized analysis on each card. Understand who it's best for, when to use it, and how to maximize rewards.
No credit card numbers. No bank logins. No transaction data. We help you make smart decisions without compromising your security.
Here are sample screenshots showing how KoKo helps you discover and compare credit cards
Find cards by name or filter by criteria like card purpose, annual fee, credit score, and preferred partners.
Sample card search result - try it yourself to see real-time data
Add the cards you're considering and see what you actually get. Track annual fees, compare benefits side-by-side, and understand exactly how much you need to spend to make each card worthwhile.
See what you get with the cards you own
See detailed comparisons of features, fees, and rewards structures to help you decide which card is right for you.
Sample comparison table - compare any cards you're interested in
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KoKo uses AI to analyze over 100 credit cards and recommends the best options based on your spending habits, credit score, and preferences. Our smart comparison tool saves you hours of research by matching you with cards that fit your lifestyle.
Yes! KoKo is completely free. We help you find the best credit cards with no hidden fees, no costs, and no subscription required. Our mission is to make credit card selection transparent and accessible to everyone.
We compare 100+ credit cards including cash back cards, travel rewards cards, business cards, and cards for building credit from major issuers like Chase, American Express, Capital One, Citi, Discover, Bank of America, and more. Our database is updated regularly to ensure you get the latest offers.
Our AI analyzes real-time data from card issuers including annual fees, rewards rates, sign-up bonuses, and benefits to provide accurate, personalized recommendations. We verify card details regularly and use advanced algorithms to match cards with your specific needs.
No. Searching and comparing credit cards on KoKo does not affect your credit score. Only applying for a card directly through the issuer's website may result in a hard credit inquiry, which could impact your score. We provide all the information you need to make an informed decision before applying.
Yes! Use the "My Cards" feature to add the cards you own or are considering. See total annual fees, compare benefits side-by-side, and get break-even analysis showing exactly how much you need to spend to make each card worthwhile. No account login required - everything is stored locally on your device.
Break-even analysis shows you exactly how much you need to spend on a credit card to make its annual fee worthwhile. We calculate this by factoring in the card's annual credits, benefits, rewards rate, and point value. This helps you determine if a premium card is worth it based on your actual spending patterns.
Yes! Add cards to "My Cards" and use the side-by-side comparison view to see detailed comparisons of annual fees, rewards rates, sign-up bonuses, and benefits. You can compare any cards from our 100+ card database or add cards that aren't in our database yet.
