Built for Canadian wallets

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.

Coming soon — join the beta See how it works  ↓
FREENO ACCOUNTWORKS OFFLINEiPHONE
How it works

Sixty seconds to smarter taps.

Describe your wallet once. After that, the best card is just… there.

STEP 01

Describe your wallet

Pick your cards from a list — Cobalt, Triangle, Gold, whatever you carry. Nothing connects to a bank; no numbers, ever.

STEP 02

Say where you're paying

Search the shop or pick a category. Places knows the stores around you, with community-checked categories.

STEP 03

Tap the winner

The best card lifts to the front with the math shown — earn rate × what points are worth toward your goal.

Privacy

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.

Read the privacy policy →

  • No sign-ins, no accounts
  • No bank logins — you describe your cards yourself
  • Card numbers are never asked for
  • The math runs on-device, even offline
  • Sync stays inside your personal iCloud
More Yoho

Built for the whole day, not just checkout.

YOHO · Loblaws — Cobalt®

Widgets, Lock Screen & StandBy

Glance puts your best card on the Home Screen and bedside StandBy — the answer, before you even unlock.

Card Studio

No issuer logos — by design. Restyle each card's art — palette, hue, finish — until the wallet feels like yours.

  GROCERIES · COMMUNITY-CHECKED

Places

The shops around you with report counts and coding confidence at a glance — checked by shoppers like you, no names attached, human-reviewed.

NO SIGNAL —  STILL KNOWS

Offline-first

Answers are computed on your iPhone, so a concrete-basement grocery store changes nothing.

yoho.

Stop guessing at the till.

FREENO ACCOUNT60-SECOND SETUP
Coming soon — join the beta