Our Explore Tool is a complimentary credit card recommender that selects the optimal card for you, considering your existing wallet. Simply input your monthly/annual spending across various categories and merchants, and we'll handle the rest!. How to

Our <a href="https://www.joinkudos.com/explore-cards" rel="noopener noreferrer" target="_blank">Explore Tool</a> is a complimentary credit card recommender that selects the optimal card for you, considering your existing wallet. Simply input your monthly/annual spending across various categories and merchants, and we&apos;ll handle the rest! How to use the Explore Tool on the WebFor tailored card suggestions, click &quot;Factor in my Wallet&quot; at the top of the page.<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040821-8b4bbdb5-9956-403f-97e2-e83795828e1f-screenshot_2024-04-08_at_2_52_37_pm.png" style="width: 692px;" class="fr-fic fr-dib">Tell us which cards you already have (no card numbers required) and change the average spend that&#x2019;s defaulted across all categories from the <a href="https://www.joinkudos.com/my-wallet/explore-cards/spend-profile" rel="noopener noreferrer" target="_blank">Profile Overview tab.</a> You can view by Yearly or Monthly.<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040821-ce51ff62-8b90-4782-b53b-57ffa0762f26-screenshot_2024-04-08_at_2_54_01_pm.png" style="width: 692px;" class="fr-fic fr-dib">Once you&apos;ve inputted your numbers, click &quot;Save and View Results and we&apos;ll generate a card recommendation for you.<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040821-317b7a6c-fde2-4bd3-90a8-95d3c217b34b-screenshot_2024-04-08_at_2_54_01_pm-2.png" style="width: 692px;" class="fr-fic fr-dib">You can also factor in sign-up bonuses, as well as card benefits - like DashPass and Uber credits - for each card.Simply click on &quot;See how we calculated your potential earnings&quot; on any card on the Explore page and toggle those options on. Any adjustments made to category spend within that modal are automatically saved to your global spend profile.&#xA0;You can also compare the rewards, benefits, fees, and benefits of multiple cards at the same time by clicking &quot;Compare Card.&quot;<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040822-a9957a59-4fbf-4e23-827b-8cfc9f23f771-screenshot_2024-04-08_at_3_04_02_pm.png" style="width: 688px;" class="fr-fic fr-dib">Once you&apos;ve selected the cards you want to compare, click &quot;Compare Cards.&quot;<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040822-49a2538a-dd11-468b-b586-a56c845fd806-screenshot_2024-04-08_at_3_04_48_pm.png" style="width: 692px;" class="fr-fic fr-dib">This will show you a side-by-side breakdown of the cards.<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040822-ac5719c0-4b2f-4404-a7b5-0e6e3d09ddcf-screenshot_2024-04-08_at_3_05_49_pm.png" style="width: 678px;" class="fr-fic fr-dib">How to use the Explore Tool on the Mobile AppTap the New Card tab in the lower right corner of the mobile app, then tap Explore Tool.&#xA0;<img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040821-2e9daa81-45f2-491d-b625-5700d94fa14a-group_42__15_.png" style="width: 300px;" class="fr-fic fr-dib">This will take you to the web experience on your mobile device. For tailored card suggestions, click &quot;Factor in my Wallet&quot; at the top of the page. <img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2024040822-0032d943-37bb-44da-9443-987d6b5abec7-group_42__16_.png" style="width: 300px;" class="fr-fic fr-dib">To be transparent, we receive a commission from approximately 3% of the 3,000+ cards in our database. However, this does not influence our recommendations.&#xA0;

What is the Explore Tool?

Test Drive lets you see exactly how much money you could earn with any credit card before you apply. Instead of guessing whether a card is right for you, Test Drive uses your actual spending data to show personalized earnings projections. Getting per

<a href="https://www.joinkudos.com/explore-cards" target="_blank" rel="noopener noreferrer"><img src="https://attachments.gorgias.help/PG09N6gdDpB24j5g/hc/VvEzB7NP8b6beky0/2025091520-1e653fe4-b726-4314-a3d5-e926291c7562-screenshot%202025-09-15%20at%201.19.05%E2%80%AFpm.png" style="width: 692px;" class="fr-fic fr-dib"></a>Test Drive lets you see exactly how much money you could earn with any credit card before you apply. Instead of guessing whether a card is right for you, Test Drive uses your actual spending data to show personalized earnings projections.<h2 style=" text-decoration: none;" id="how-test-drive-works">How Test Drive Works</h2>Getting personalized card projections is simple:<ol style=" text-decoration: none;"><li style="font-family: Inter; font-size: 14px;">Browse Cards: Find any card you&apos;re curious about in our <a href="https://www.joinkudos.com/explore-cards" rel="noopener noreferrer" target="_blank">Explore Tool</a></li><li style="font-family: Inter; font-size: 14px;">Click &quot;Test Drive&quot;: Look for the &quot;Test drive this card in my wallet&quot; button</li><li style="font-family: Inter; font-size: 14px;">Get Instant Results: See personalized earnings calculations in less than 60 seconds</li></ol>No applications, no hard credit pulls, no commitments required.<h2 style=" text-decoration: none;" id="what-youll-see-in-your-test-drive-results">What You&apos;ll See in Your Test Drive Results</h2>When you test drive a card, you get a complete breakdown including:<ul style=" text-decoration: none;"><li style="font-family: Inter; font-size: 14px;">Annual rewards projection based on your spending patterns</li><li style="font-family: Inter; font-size: 14px;">Category-by-category earnings (dining, travel, groceries, etc.)</li><li style="font-family: Inter; font-size: 14px;">Net value calculation (total rewards minus annual fees)</li><li style="font-family: Inter; font-size: 14px;">Multi-year projections showing long-term value</li><li style="font-family: Inter; font-size: 14px;">Comparison with your current cards to show the true benefit</li></ul>All calculations use your actual transaction history, not hypothetical scenarios.<h2 style=" text-decoration: none;" id="getting-the-most-accurate-results">Getting the Most Accurate Results</h2>For the best Test Drive experience,&#xA0;<a href="https://support.joinkudos.com/en-US/articles/connecting-your-bank-accounts-189525" target="_blank" rel="noopener noreferrer">connect your bank accounts through our secure Plaid integration.&#xA0;</a>This allows us to:<ul style=" text-decoration: none;"><li style="font-family: Inter; font-size: 14px;">Analyze your real spending patterns across all categories</li><li style="font-family: Inter; font-size: 14px;">Calculate precise earnings based on your transaction history</li><li style="font-family: Inter; font-size: 14px;">Show exactly which spending categories drive the most rewards</li><li style="font-family: Inter; font-size: 14px;">Compare multiple cards using identical spending data</li></ul><h2 style=" text-decoration: none;" id="frequently-asked-questions">Frequently Asked Questions</h2><h3 style=" text-decoration: none;" id="does-test-drive-affect-my-credit-score">Does Test Drive affect my credit score?</h3>No. Test Drive only shows projections based on your spending data. There are no credit checks or applications involved.<h3 style=" text-decoration: none;" id="how-many-cards-can-i-test-drive">How many cards can I test drive?</h3>You can test drive unlimited cards to find the perfect match for your spending.<h3 style=" text-decoration: none;" id="do-i-need-to-connect-my-bank-account">Do I need to connect my bank account?</h3>While not required, connecting through Plaid provides the most accurate results by analyzing your real spending patterns.<h3 style=" text-decoration: none;" id="how-accurate-are-the-projections">How accurate are the projections?</h3>Test Drive uses your actual transaction history and current card terms to provide precise earnings calculations.<hr style=" text-decoration: none;">Need help with Test Drive? Contact our support team at <a href="mailto:support@joinkudos.com">support@joinkudos.com</a>.

What is Test Drive?

Kudos Support Center

With our Explore Tool, compare top credit cards, filtered by credit score, reward type and more.

Explore Tool & Test Drive

What is Kudos?

How does Kudos work?

How do I get started on desktop?

How do I get started on mobile?

How do I add and delete cards from my Kudos wallet?

Can I add multiple cards of the same type to my Kudos wallet?

How do I customize points or miles values for my cards?

Can I snooze Kudos on certain sites?

How do I configure my card's rotating categories?

How do I track my signup bonuses with Kudos?

What is autofill?

Is there an age requirement to use Kudos?

How do I refer friends and family to Kudos?

What if my card recommendation is wrong?

Does Kudos work internationally?

How does Kudos make money?

Does Kudos help me save money on auto insurance?

How do I add a referral code to my Kudos account?

The Fundamentals

‍What is Kudos Boost?

How do I activate Kudos Boost?

On what shops is Kudos Boost available?

Can I earn Kudos Boost on gift card or gift certificate purchases?

Do I earn Kudos Boost if I shop through a store's mobile app?

Does Kudos Boost work with Mobile Wallets and PayPal Checkout?

What are Kudos Boost bonuses?

When does my Kudos Boost become available?

What is my Rewards History?

How do I redeem my Kudos Boost?

Do Kudos Boost points expire?

‍Can I use other rewards programs at the same time as Kudos?

Can I use an ad blocker with Kudos?

What are Kudos Boost flash sales?

‍What is Kudos Kickstart+?

‍What is the Kudos Guarantee?

Kudos Boost

Why should I link my accounts inside Kudos?

How do I connect my accounts inside Kudos?

How do I disconnect my accounts inside Kudos?

Can I add a new account to an existing bank I’ve connected?

What if I want to connect multiple versions of the same card to my Kudos account?

How do I link my Bilt Card inside Kudos?

Can I link my Paypal Card inside Kudos?

Can I connect my debit card accounts?

What if I'm being told my bank credentials are wrong?

What if I have to reconnect my bank account frequently?

What if I can’t find my bank?

What if I don't receive an SMS code from Plaid?

What if I am missing some transactions?

What if the categories for my transactions are incorrect?

How does Kudos use my transactional data?

What technology is used to connect my bank accounts?

Is Plaid safe to use?

Connecting your Bank Accounts

How do I get my free credit score?

How does Kudos access my credit score?

Does checking my credit score affect my credit?

What if my credit score is inaccurate inside Kudos?

What if froze my credit score?

How does Kudos show my credit card approval odds?

Wallet & Credit Management Hub

What is Dream Wallet?

How do I get started with Dream Wallet?

How accurate are the card recommendations?

How often should I use Dream Wallet?

How does Dream Wallet help me avoid "analysis paralysis"?

Can I compare and favorite different cards with Dream Wallet?

How is Dream Wallet different from other credit card recommendation tools?

Does Dream Wallet push me to apply for specific cards?

Does Dream Wallet explain annual fees and credit score impact?

What if I am rejected for a card that Dream Wallet recommended to me?

Is my financial data safe with Dream Wallet?

Dream Wallet

What are Insights?

Insights

What are Hidden Perks?

How do I get started with Hidden Perks?

How does Hidden Perks work in action?

Why is Hidden Perks important?

Hidden Perks

What is the Kudos Weekly Insights Score?

Kudos Weekly Insights Score

How does Maria GPT work?

Maria GPT

What are Lessons?

Lessons

How can I update my name, email or phone number?

How do I change my Kudos authentication settings?

Does Face ID work with the Kudos mobile app?

How do I enable push notifications?

How do I delete my Kudos account?

I deleted my Kudos account. How do I reactivate it?

Account Questions

What if my favorite store isn't supported yet?

What if I want to partner with Kudos?

Store Support

What data does Kudos see and how does it keep my data private?

Why does my browser indicate that the Kudos extension can “read and change” all my data?

How does Kudos keep my data secure?

Privacy