The Kudos Benefits Tracker automatically tracks the credits and perks across every card in your wallet so you always know what you have, what you've used, and what's about to expire. The average cardholder leaves $300 in unused benefits on the table every year. The Benefits Tracker is built to fix that.
Before you begin: Connect your bank and card accounts securely to Kudos with our data provider, Plaid. Thousands of financial institutions use Plaid, which is ISO 27001 certified, SSAE18 SOC 2 compliant, and uses bank-level encryption to keep your information safe. Learn more about how Plaid protects your data.
The Benefits Tracker automatically scans your linked cards and identifies available benefits and credits
Each card gets its own view, so you can see exactly what you have, what you've used, and whether you're getting more value than you're paying in annual fees
When you make a purchase at an eligible merchant, Kudos detects and registers the redemption automatically. No manual action needed for these
Some benefits are manual by nature rather than a detection fallback: mainly memberships or subscriptions you activate directly with the provider (like a complimentary DashPass or Lyft Pink membership) instead of through a trackable purchase. Redeem these with the provider first, then come back and toggle them as redeemed in Kudos so your tracker stays accurate
Tap any benefit for step-by-step instructions and a direct link to redeem it
Track your credit and benefit usage over time so no perk goes unused
Receive timely alerts before benefits expire with our newly designed Home Feed
š Does Kudos count redemptions from before I linked my card?
Yes. Benefits tracking includes your past transactions, not just activity since you connected. When you link a card, we pull up to the last two years of transaction history and count qualifying redemptions toward the benefit period they belong to. Your tracker reflects credits you'd already used rather than starting from zero on the day you connected.
How much history you see depends on your bank.
Most major card issuers share up to two years of transactions, but some share less:
Capital One: 6 months
Barclays: 6 months
For these cards, your history only goes back 6 months. That means views like "Last 6 months" and "Last year" show the same numbers, and there's no prior-year history to compare. This is a limit on what the bank shares with us, not a problem with your account. If you used a credit before that window, you can mark it as used manually in the Benefits Tracker.
Redemptions older than the history your bank shares fall outside the window we can see, so they won't appear in your history.
š Calendar year vs. card anniversary year
Not every credit resets on January 1. Your card issuer decides the reset schedule, and it varies by benefit:
Calendar year: resets every January 1
Card anniversary or membership year: resets on the date tied to your account, not the calendar
Monthly, quarterly, or semi-annual: resets on a shorter recurring cycle
Check this before you assume a credit is missing. On a card whose credits run on an anniversary year, a redemption from several months ago can still sit in your current benefit year rather than the previous one, which changes how much allowance you have left.
Why do yearly totals look different on different screens?
Not every view in Kudos uses the same year, so "this year" doesn't always cover the same dates:
Your card breakdown uses your card year, which starts on your card's anniversary (the date your account was opened).
Other views use the calendar year, January 1 to December 31.
Right after your card anniversary, the card breakdown starts over at $0 earned, and your annual fee can show as a negative net value until you earn and use benefits again. Other screens keep showing calendar-year totals, so the numbers won't match for a while. Nothing is missing from your account.
For example, if your Chase Sapphire PreferredĀ® Card anniversary is October 1, its card breakdown resets on October 1, while calendar-year views keep counting from January 1. This comes up most with the Chase Sapphire PreferredĀ® and Chase Sapphire ReserveĀ®, which run many benefits on the card year.
To make sure your card year lines up with your real anniversary, set your card open date.
If a credit you've used isn't reflected where you'd expect it, email us at support@joinkudos.com, and we'll check it against your account directly.
š Credits or rewards look wrong? Make sure you added the right card
Some cards look almost identical and have very similar names, so it's easy to add the wrong one to your wallet. When that happens, Kudos tracks the benefits and rewards for the card you picked, not the one you actually have, so credits can look missing and your earnings can look off.
Cards that are easy to mix up:
The Platinum CardĀ® from American Express and The Business Platinum CardĀ® from American Express
Chase Sapphire PreferredĀ® Card and Chase Sapphire ReserveĀ®
Capital One VentureOne Rewards, Capital One Venture Rewards, and Capital One Venture X Rewards
How to check:
Open your Kudos wallet and find the card.
Compare the card name in Kudos to the exact name on your physical card or in your card issuer's app. Personal and business versions often differ by a single word.
Tap or click Edit next to the connected account and make sure the last four digits match your card.
If you added the wrong card, delete it from your wallet, add the correct one, and connect it again. Here's how to add and delete cards. Your benefits and credits will update once the correct card syncs.
If the card is right but the last four digits don't match, it's connected to the wrong account. Tap or click Edit next to the connected account, choose the account with your card's last four digits, and click Confirm.
š Credits showing as unused? Check for an authorized user account
If you know you've used your credits but they show as unused, your card may be linked to the wrong account. This usually happens when you add an authorized user (also called an additional cardholder) to your card, and it's most common with the American Express Platinum CardĀ®.
With an authorized user, your bank login can show two accounts: your primary account (for example, "Platinum CardĀ®") and the authorized user's account (for example, "Additional Platinum CardĀ®"). Your issuer posts statement credits to the primary account, even when the authorized user made the purchase. If your card is linked to the additional account, Kudos can see the purchases but not the credits, so they look unused.
To fix it:
Open your Kudos wallet on the web or in the app, go to the card, and tap or click Edit next to the connected account.
If the account name includes "Additional" or "Authorized User," or shows the authorized user's name, open the dropdown and select your primary account instead. Match it to the last four digits on your own card.
Click Confirm to save.
Don't see your primary account in the dropdown?
Reconnect your bank and make sure your primary account is selected, then follow the steps above. New credits will track automatically after your next transaction sync. If credits from earlier in the year still show as unused, you can mark them as used manually. For the full walkthrough and a video tutorial, see Why are my credits showing as unused? (Authorized user accounts).
Have questions or need help getting set up? Reach out to us at support@joinkudos.com.