Card Studio

Your credit card intelligence toolkit. Every calculation, comparison, and recommendation you see here is a live API call — build your own with the Koko Finance API.

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Monthly Spending

Used across portfolio analysis, renewal checks, and card recommendations.

Saved

What would you like to do?

📊

How much are my cards worth?

See the true value of your cards. Annual fees vs benefits, break-even analysis, and net value at a glance.

Open Portfolio →

🎯

Which card should I use?

Pick a spending category and instantly see which of your cards earns the most rewards.

Try Calculator →

🔄

Should I keep this card?

Annual fee coming up? Find out if your card is still worth it, or if you should downgrade.

Check Renewal →

✈️

I'm planning a trip

Optimize your card usage for flights, hotels, dining abroad, and travel benefits.

Plan Trip →

🛒

I'm making a big purchase

Find the best card for electronics, appliances, furniture, and other major buys.

Plan Purchase →

✨

How should I use my points?

See your points balances and get ideas for how to use them effectively.

Points Playbook →

What You'll See

Koko break-even analysis showing $4,055 in benefits vs $1,585 in annual fees

See if your cards are worth the annual fees

Koko AI-powered strategy recommendations showing personalized tips to save money

Get AI-powered recommendations to maximize value