How It Works
Step 1: Apply through Kudos
To be eligible, your credit card application must be trackable by Kudos or it won't qualify for the guarantee. Note that trackability can also depend on the specific card itself. Eligible cards can change at any time. If you want to confirm a card's eligibility before applying, contact support@joinkudos.com.
Step 2: Add your approved card to your Kudos wallet
Once approved, add the card to your Kudos wallet to activate your eligibility.
Step 3: Submit a claim if a higher offer becomes available
If a higher public welcome offer appears on our Explore Tool within 3 months of your approval date, you can submit a claim for the difference. Targeted offers are not eligible
Claim Process
Email support@joinkudos.com with a screenshot of the new, higher welcome offer
Claims must be submitted within 3 months of your card approval date
We'll verify the offer and calculate the difference
Approved claims are matched with an equivalent Kudos Boost applied to your account
Processing typically takes 1–2 business days after verification
Program Terms
Guarantee credits are issued as Kudos Boost, redeemable for an Amazon.com gift card or PayPal Cash
The guarantee covers the monetary value difference between welcome offers, as determined by Kudos
Limited to one claim per credit card application
We reserve the right to verify all claims and may request additional documentation
We reserve the right to modify, suspend, or terminate this program at any time without prior notice
Frequently Asked Questions
Which cards are eligible?
Cards that are trackable by Kudos (applied through a Kudos link or the Kudos product) and added to your Kudos wallet are eligible, subject to all other program terms. Trackability can change over time, independently of whether the card or its offer is displayed on Explore. We strongly recommend confirming current eligibility with our team before applying if you'd like it verified in advance. Reach out to us at support@joinkudos.com, and we'd be happy to look into it for you.
Does applying through a friend's referral link qualify?
No. If you apply through a friend's referral link, a bank's website, or any link not attributed to Kudos, your application won't be trackable by us and won't qualify for the guarantee. We know it's great to support a friend. Just be aware that doing so means the guarantee won't apply to that application.
What counts as a "public welcome offer"?
Public welcome offers are those available to the general public and visible within the Kudos product. Targeted offers sent via email or mail to specific individuals do not qualify.
Can a card become ineligible even if I apply through a proper Kudos link?
Yes. In addition to applying through a Kudos link, the specific credit card must currently be trackable by Kudos at the time of your application. Card tracking eligibility can change at any time and is independent of whether an offer is displayed on our Explore Tool. Confirm a card's current eligibility with our support team at support@joinkudos.com before applying if you want certainty, especially for cards you haven't seen recently added via Kickstart+.
What if I miss the 3-month window?
Claims submitted after 3 months from your application date will not be processed.
What if my original application was denied?
The guarantee only applies to approved applications that are trackable by Kudos and added to your wallet.
How long do I have to use my Kudos Boost credit?
Kudos Boost credits expire 12 months from the date they're issued.
Need Help?
Questions about eligibility or want to submit a claim? Reach out to us at support@joinkudos.com.