You have multiple credit cards, each with different rewards and benefits. But when you're standing at the register, do you really know which card gives you the best return for this particular purchase? Most people don't—and they leave money on the table every day.
Elekto is your personal credit card assistant powered by on-device Apple Intelligence. Get smart recommendations for which card to use based on where you are or what you're buying.
Get location-based or purchase-based recommendations
Manage your cards with custom names and colors
See ranked results with clear explanations
Uses GPS to detect nearby businesses and recommends the best card for the merchant category. Walk into a grocery store, gas station, or restaurant and instantly know which card maximizes your rewards.
Describe what you're buying to get card recommendations without needing location access. Perfect for online shopping or when you want to plan ahead before heading out.
All AI inference runs locally using Apple Intelligence Foundation Models. No cloud servers, no external APIs, no data leaves your device. Your financial information stays completely private.
Add unlimited cards with custom names, benefit descriptions, and colors. Reorder with drag-and-drop. Import and export card collections to share setups or back up your data.
No card numbers stored, no persistent location tracking, no cloud sync, no analytics. Your financial data stays on your device. Elekto doesn't even know your real card numbers.
See your cards ranked from best to worst match with AI-generated explanations and confidence scores. Understand exactly why one card is recommended over another for each purchase.
Stop guessing which card to pull out. Elekto puts AI-powered recommendations in your pocket—completely private, completely on-device. Know exactly which card maximizes your rewards, every time.
Coming Soon
