What are Insights?Updated a month ago
We designed Insights to help you maximize the value from your debit and credit cards without having to do the work yourself. Insights proactively scans your spending patterns and provides personalized, actionable recommendations to help you earn more rewards, use available credits, and save money.
How Insights works
Unlike other personal finance apps that make you dig through your transactions to find opportunities, Insights automatically identifies specific actions you can take right now to get more from your credit cards.
Each Insight includes:
- A specific, personalized recommendation based on your actual spending
- The exact dollar amount you could earn or save
- Clear steps to take action
- Visual proof showing how the change will impact your rewards
The types of Insights you'll receive
Rewards Optimization
- Better Card Selection: "You could earn $X more by using a different card in your wallet for groceries"
- Boost Opportunities: "This merchant offers Boost rewards - you missed out on $X in your recent purchases"
- Card Recommendations: "Based on your spending patterns, this new card could earn you $X more annually"
Credits & Perks
- Available Credits: "You have $25 in unused DoorDash credits this month"
- Hidden Benefits: "Your card offers free phone insurance - switch your carrier bill to save $15/month"
Wallet Health
- Fee Optimization: "This card's annual fee isn't being offset by your rewards - consider downgrading to save $95/year"
- Interest Savings: "Moving your balance could save you $X in interest payments"
Where to find Insights
Your personalized Insights appear on your home page on the Kudos web portal and Kudos mobile app and in the spend profile overview. They're sorted by potential impact, showing the highest-value opportunities first.
Tracking your progress
Insights doesn't just identify opportunities - it tracks your progress and confirms when you've successfully implemented a recommendation. When you take action on an Insight, it moves to a "queued" status until we verify the change through your transaction data.
Insights is designed to be a constantly evolving system that gets smarter over time, identifying new opportunities to help you maximize value from your credit cards with minimal effort on your part.
Have any questions about your Insights? Reach out to us at [email protected]!