Kudos Support Center logo
Kudos Support Center logo

All articles

What is Dream Wallet?Updated 2 months ago

While our Card Explore Tool offers a comprehensive database of thousands of credit cards, Dream Wallet is your supercharged, personalized financial strategist. It goes beyond simple recommendations, providing a suite of powerful features to maximize your credit card rewards:

  • Real-time spending analysis: Dream Wallet examines your actual spending habits, ensuring you're always using the optimal card for every purchase.
  • Personalized card mix: Get tailored recommendations for the perfect combination of cards based on your unique spending patterns and reward preferences, whether you're into cashback, travel points, or dining perks.
  • Potential earnings visualization: See exactly how much money you're currently leaving on the table and how much you could be earning with the right card strategy.
  • Annual fee vs. benefits comparison: Make informed decisions about which cards provide enough value to justify their costs.
  • Sign-up bonus tracking (coming soon): Never miss out on valuable welcome offers with automatic tracking and alerts.
  • Credit health insights (coming soon): Navigate your credit health with personalized insights, monitoring key factors like utilization that impact your score.

Dream Wallet transforms credit card confusion into a clear, strategic approach to smarter spending. As one Kudos member put it recently, it's a "total game-changer" for budgeting and savings goals. Say goodbye to card confusion and hello to maximizing every transaction!

Dream Wallet on Web

From Home, head to Dream Wallet.

Next, answer a few questions to personalize your dream wallet. You can either connect your bank/card accounts inside Kudos or configure your spending manually. If you link your accounts inside Kudos, Dream Wallet will analyze your real-time transaction data to recommend credit cards that align perfectly with how you already spend – taking the guesswork out of choosing the right card for you. 

You'll be prompted to answer a few questions about your credit score, whether you want a card that carries an annual fee or not, and your spending habits and preferences.

Then, click and drag the sliders for estimate how much you spend across a variety of categories and merchants.

You can also click "Skip" and use average spend if you prefer. 

Click "Show card recommendations" to see what cards are best to add to your wallet. 

You can edit your profile at any time to ensure you're receving the best recommendations. 

Dream Wallet on the Kudos App

From the Home or the New Card tab in Kudos app, tab "View Dream Wallet."

You'll be asked a few short questions about your credit score, whether or not you want to pay an annual fee, and whether you want to connect your existing bank/card accounts inside Kudos. You'll also see what rewards you're earning with your current cards. 

When you tap next, we'll show you what you could be earning. Tap "Show card recommendations."


Dream Wallet provides three tailored card recommendations, each with a detailed breakdown of potential rewards, fees, and key features. Our system continuously updates to include the latest sign-up bonuses, benefits, and perks for each card.

Whether you're new to credit cards or an experienced user, Dream Wallet adapts to your needs. It ensures your wallet consistently aligns with your financial goals and spending habits, helping you maximize rewards and benefits at any level.

Note: Our recommendations are personalized to you. We show the best cards regardless of commissions. In fact, only 3% of the 3,000+ cards in our database earn us a commission.

Have any additional questions? Please reach out to us anytime!



Was this article helpful?
Yes
No