Before You Pay: Card Picker

Name: Before You Pay: Card Picker
Author: Knowmia

iOS app by Knowmia. Finance · Knowmia

Store rating: 0 / 5
Store rating count: 0
Download price: Free to download
In-app purchases: Unknown
Version: 1.0 (131)
Listing last refreshed: 2026-09-12

Store description excerpt

Decide once. The whole family pulls out the right card in under 5 seconds. A free and secure iOS app that helps your family maximize credit-card points and benefits; set simple spending guidelines, let AI find offers for your cards, and have all members of your family pull out the right card for every purchase, quickly and reliably. EVERY CARD IS BEST FOR SOMETHING. NOBODY REMEMBERS WHICH. Groceries, gas, dining, travel, streaming… each purchase has a card that earns the most. Before You Pay turns that into one shared answer for the whole family, so the right card comes out every time (based on guidelines from a single family member). ONE FAMILY. ONE SOURCE OF TRUTH. One family member sets it up and maintains it. Everyone else just follows along and stays in sync automatically over iCloud. This is not a replacement for Apple Wallet, just a quick answer to the question "What card should I use for this?" 1. Start a family One person creates the family and becomes the Admin; the one who adds cards and sets the guidelines. 2. Add cards & guidelines Add your cards (minimal information - no security concerns) and set simple rules ("use this card for gas"). Your personal AI account finds targeted offers and incentives for those 3. exact cards. Everyone follows Every family member identifies the right card for each purchase in under five seconds, with automatic, seamless updates whenever the Admin changes anything. IT FINDS THE OFFERS, SO YOU DON'T HAVE TO. Before You Pay uses your preferred AI provider (Anthropic Claude, Google Gemini, or OpenAI ChatGPT) to research targeted offers and incentives for your specific cards, then turns them into clear, family-wide spending guidelines. You bring your own API key; nothing is locked to a single provider, and no information flows to anywhere or anyone else. Privacy and security are key! TIME-LIMITED GUIDELINES Setting up quarterly bonus categories? Give any guideline a start and end date. Hit a spending cap on one card? Hide the guideline temporarily and switch to another, without deleting your work. PRIVATE BY DESIGN No sensitive data being stored. No servers of ours involved. Just Apple’s own secure iCloud. • Stores only what's needed to recognize a card; its name and last 4 digits • Never the full card number, expiration date, or security code • Never logs into your credit-card accounts • Your data lives only in your own private iCloud; no servers of ours in between • Card photos are automatically blurred to hide sensitive numbers • Offer research runs on your own AI key (Claude, Gemini, or ChatGPT) FREE FOR THE WHOLE FAMILY • 100% free; no hidden in-app purchases • No ads, no accounts, no analytics • One Admin sets things up; everyone else just follows • Updates sync to the whole family automatically Under 5 seconds to the right card.

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