Kudos is an app that automatically selects your highest-earning credit card for every purchase at 2+ million merchants. Stop guessing which card to use — Kudos shows you exactly which one maximizes rewards and unlocks perks you didn't even know existed.
Why Kudos?
Maximize rewards
Always use the card with the highest earnings potential
Boost rewards at 15,000+ participating partner merchants. That means earning rewards on top of your card rewards
Unlock hidden perks (the average user forgets $624/year in card benefits)
Earn up to $750 more per year just by using Kudos
Simplify your wallet
Manage all cards, balances, and due dates in one dashboard
Track your credit score for free with VantageScore® 3.0
Autofill your card details at checkout so you never have to remember a card number again
Get personalized guidance
Our Dream Wallet AI recommends cards based on your actual spending
Test out whether a card is right for you with our Test Drive Feature
Check your Approval Odds before you apply for a new card
Insights flag opportunities to save across your finances
Identify cards that don't justify their annual fees
Compare auto insurance rates (average savings: $800/year)
Premium Features
In addition to all of our free features, we now offer a Premium tier, which includes all the features above, and also:
🔽 AI-Powered Bill Negotiation to lower your monthly costs
✂️ Cancel unwanted subscriptions automatically
💳 Auto-activate your card-linked offers across American Express, Chase, Citi, Capital One, and Bank of America. More coming soon.
📈 Advanced Charts and AI Insights that tailor recommendations to your spending even more
📊 Two years of transaction history to understand your patterns and seasonal trends (free members keep 30 days)
🎯 Automated welcome bonus tracking with reminders and prefilled details so you never miss rewards
🚀 Exclusive access to new features that work in the background and help you unlock more from every dollar. We’ll be adding new features over the next few months that do even more for you automatically
Coming soon: Never overpay for travel again. Kudos watches flight and hotel prices and rebooking when rates drop.
Security first
All data is encrypted to banking industry standards through our trusted partners. Learn more about how we protect your data, and check out our Privacy Policy.
Get started now
Kudos is now available on iOS, Android, and as a browser extension — free to download. Put your rewards on autopilot.
Need help? Our support team is here for you. Just use the chat widget to the right or reach out at support@joinkudos.com.