The right card, every tap.
Yoho does the rewards math before you reach the till — which card wins, what it earns, and what that’s worth toward your goal. No bank logins. No spreadsheets. No guessing.
Free on the App Store. Requires an iPhone on iOS 26 or later.
Sixty seconds to smarter taps.
Describe your wallet once. After that, the best card is just… there.
Pick your cards from a list — Cobalt, Triangle, Gold, whatever you carry. Nothing connects to a bank; no numbers, ever.
Search the shop or pick a category. Places knows the stores around you, with community-checked categories.
The best card lifts to the front with the math shown — earn rate × what points are worth toward your goal.
A closer look.
Two screens from the current build — exactly as they ship on the App Store today.
We can’t see your wallet. That’s the point.
Yoho has no accounts, no server full of your data, and no idea who you are. Everything about your cards lives on your iPhone and in your private iCloud. When it checks where you are, that’s a brief one-shot reading on your phone — never a trail.
Built for the whole day, not just checkout.
Glance mode puts your best card on the Home Screen and bedside StandBy — before you even unlock.
No issuer logos — by design. Restyle each card’s art — style, hue, finish — until the wallet feels like yours.
The shops around you with report counts and confidence at a glance — checked by shoppers like you, no names attached, human-reviewed.
Answers are computed on your iPhone, so a concrete-basement grocery store changes nothing.
Built by a small team. Tested at real tills.
Yoho is made in Toronto for Canadian wallets — Loblaws runs, Costco Sundays, TTC taps. If you spot the poster around town, say hi.