Plans

Your cards stay yours. Pick a plan.

Dafio names which of your cards earns the most at this place, shows the working, then checks itself after the charge posts. No issued card. No funds held. We never sit in the tap.

Free

$0 forever
Up to 3 cards

See a verdict on the cards you already carry. Enough to learn if the call is right on your places.

  • Up to 3 cards, read only
  • One named card before you tap
  • Category, confidence, and runner up
  • Quiet under 70 percent
  • Hit rate on your own places
  • Cap headroom on grocery and dining
  • 7-day verdict history
  • Email support, weekday replies
  • Rotating category week tracker
  • Lock screen working
  • Unlimited cards
  • Place-level MCC overrides
Start free
Most popular

Plus

$89 / year
or $8.99 a month

The plan most members keep. Caps, rotating weeks, and the working on the lock screen.

  • Everything in Free
  • Up to 8 cards
  • Rotating category tracker by week
  • Cap alerts at 50, 80, and 100 percent
  • Lock screen working: gap vs runner up
  • 90-day charge vs call history
  • Place list with usual MCC
  • Push when a cap is about to fill
  • Quiet floor stays at 70 percent
  • Priority email, same business day
  • Unlimited cards
  • Custom quiet floor
Get Plus

Lifetime

$149 once
Pay once. Keep Plus-level access.

One charge. Plus features for as long as Dafio names cards. No yearly reminder.

  • Everything in Plus
  • One payment of $149
  • No renewal date to track
  • Up to 8 cards, read only
  • Lock screen working
  • Rotating week tracker
  • 90-day history kept
  • Place list and MCC notes
  • Cap alerts on grocery and dining
  • Priority email support
  • Future Plus extras included
  • Max card ceiling and custom floor
Pay once

Max

$180 / year
or $17.99 a month

For wallets that actually need the extra cards, and a quiet floor you can move.

  • Everything in Plus
  • Unlimited cards, still read only
  • Custom quiet floor, 50 to 90 percent
  • Place-level MCC overrides
  • Household share, up to 2 people
  • Full history, not a 90-day window
  • CSV of calls vs charges
  • Cap math across every card
  • Phone support (888) 791-5686
  • Named analyst on request
  • Early flags when a category dies
  • Works the same: we stay out of the tap
Get Max

Prices in USD. Plus and Max can be monthly or yearly. Lifetime is one payment. Dafio does not issue a card, does not hold funds, and does not earn or redeem on your behalf. Accuracy is published on your places, not as a national claim.

On every plan

Before you pay

  • You get one card name, or we say nothing
  • You pay with a card you already have
  • We never charge that card for you
  • You can take a card out of the app any time

Why that card

  • The store category, like grocery or dining
  • How sure we are of that category
  • The next-best card and the dollar gap
  • How much room is left on a cap

After the charge

  • We compare the posted card to what we named
  • That score is for your stores, not the country
  • If we were unsure, we should have stayed quiet
  • Email support@dafio.com if a call looks wrong

Side by side

FreePlusLifetimeMax
Price$0$89 / yr or $8.99 / mo$149 once$180 / yr or $17.99 / mo
Cards388Unlimited
AccessRead onlyRead onlyRead onlyRead only
Named card before tapYesYesYesYes
Working on lock screenNoYesYesYes
Rotating week trackerNoYesYesYes
Cap alertsGrocery, dining50 / 80 / 10050 / 80 / 100Every card
Quiet floor70%70%70%50 to 90%
History7 days90 days90 daysFull
MCC overridesNoNoNoYes
Household1112
SupportEmailPriority emailPriority emailPhone + analyst

Questions we get on plans

Do you issue a card?

No. You pay with cards you already have. We name which one. We do not hold funds and we do not sit in the payment.

Why stay quiet under 70 percent?

If the category is a coin flip, naming a card is worse than saying nothing. Free, Plus, and Lifetime keep that floor. Max lets you move it.

What does read only mean?

We see the cards you add. We cannot spend, transfer, or change a PIN. Remove a card any time in the app.

Can I start on Free?

Yes. Three cards, a verdict, and a hit rate on your places. Move to Plus when you want rotating weeks and lock screen working.

Is Lifetime the same as Plus?

Same features as Plus. You pay $149 once instead of $89 a year. Max is separate if you need more cards.

Where do I send a billing question?

Email support@dafio.com or call (888) 791-5686. 501 Carr Rd, Wilmington, DE 19809. Weekdays, 9 AM to 5 PM ET.