Test Drive lets you see exactly how much money you could earn with any credit card before you apply. Instead of guessing whether a card is right for you, Test Drive shows personalized earnings projections based on the spending you enter.
How Test Drive Works
Getting personalized card projections is simple:
Browse Cards: Find any card you're curious about in our Explore Tool
Click "Test Drive": Look for the "Test drive this card in my wallet" button
Get Instant Results: See personalized earnings calculations in less than 60 seconds
No applications, no hard credit pulls, no commitments required.
What You'll See in Your Test Drive Results
When you test drive a card, you get a complete breakdown including:
Annual rewards projection based on the spending you enter
Category-by-category earnings (dining, travel, groceries, etc.)
Net value calculation (total rewards minus annual fees)
Multi-year projections showing long-term value
Comparison with your current cards to show the true benefit
Test Drive is free, and all calculations are based on the spending you enter. Kudos Premium personalizes these recommendations automatically using the transaction data from your connected accounts.
Getting the Most Accurate Results
Your projections are only as precise as the spending you enter, so it's worth taking a minute to get it right. To get the most out of Test Drive:
Enter your spending across every category you use, not just the big ones
Update your figures when your spending changes
Compare multiple cards using the same spending figures
Check which spending categories drive the most rewards for each card
Kudos Premium personalizes these recommendations automatically using the transaction data from your connected accounts.
Frequently Asked Questions
Does Test Drive affect my credit score?
No. Test Drive only shows projections based on the spending you enter. There are no credit checks or applications involved.
How many cards can I test drive?
You can test drive unlimited cards to find the perfect match for your spending.
Do I need to connect my bank account?
No. Test Drive is free and works from the spending you enter. Kudos Premium personalizes these recommendations automatically using the transaction data from your connected accounts.
How accurate are the projections?
Test Drive uses the spending you enter and each card's current terms to calculate your projected earnings.
Need help with Test Drive? Contact our support team at support@joinkudos.com.