The Benefits Tracker keeps an eye on the credits and perks across every card in your wallet. Not every benefit can be tracked the same way, though. Depending on the benefit, Kudos tracks it in one of three ways: automatically, as an assumed credit, or manually.
Knowing which type a benefit is tells you whether you need to do anything to keep your tracker accurate.
⚡ Automatic credits
Most credits track automatically. When you pay with a linked card at a merchant that matches one of your benefits, Kudos detects the purchase and the statement credit, and marks the credit as Redeemed for you.
This includes statement credits you get for paying for a membership with your card, like the CLEAR Plus credit.
For automatic tracking to work:
Your card account needs to be connected in Kudos.
There needs to be a clear match between your purchase and the credit, like a dining purchase at an eligible restaurant.
What you need to do: Nothing. Just use the card you want the credit on.
Returned the purchase? Kudos marks a credit as Redeemed once the statement credit posts. If you later return the purchase and your card issuer takes the credit back, the tracker may still show it as Redeemed. Check your card statement to see whether the credit is available to use again.
🔍 Assumed credits
For some benefits, Kudos can't connect directly to the merchant account, so it can't confirm on its own that the credit landed. Uber Cash on the Amex Platinum is a common example.
For these, Kudos looks at your spending and estimates that you likely received the benefit. The credit shows as Assumed until you confirm it. Once you confirm, Kudos marks it as used for that period.
What you need to do: Open the benefit in the Benefits Tracker and confirm whether you actually got it.
Learn more:
✋ Manual credits
Some benefits are manual by design. These are usually complimentary memberships and in-app promos you get through the provider, like a free DashPass membership, monthly DoorDash promos, Lyft ride credits, or complimentary Apple TV. There's no card transaction for Kudos to match, so they can't be detected automatically.
What you need to do:
Activate the perk with the provider first.
Open the benefit in the Benefits Tracker.
Toggle it as redeemed so your tracker stays accurate.
Toggled something by mistake? You can undo it anytime. Open the benefit and toggle it off, and it goes back to its previous status.
You can also use the manual toggle for credits Kudos couldn't see. For example, if you used a credit before your transaction history starts, or if your card is linked as an authorized user account. See How to Track Your Credit Card Benefits and Credits with Kudos and Why are my credits showing as unused? for those cases.
🧭 How to tell which type a benefit is
The same kind of benefit can be tracked differently depending on your card, so the most reliable way to check is to open the benefit's detail page in the Benefits Tracker. It shows whether the benefit tracks automatically, needs your confirmation, or needs a manual toggle.
As a quick rule of thumb:
Statement credits that post to your card usually track automatically. That includes credits for memberships you pay for with your card, like CLEAR Plus.
Credits that land in a merchant's app, like Uber Cash, DoorDash promos, or Lyft ride credits, are tracked as assumed or manual, depending on the card.
Complimentary memberships you activate with the provider, like a free DashPass membership or Apple TV, are usually manual.
For what each status means (In Progress, Redeemed, Missed, and Assumed), see What is the Benefits Tracker?
🔌 Why does my benefit say "Connect to enable tracking"?
This means the card isn't connected to Kudos yet, so we can't see its transactions or statement credits. Until it's connected, Kudos can't track that card's benefits automatically, and credits may show as Missed even if you used them.
To fix it, connect the card's account in Kudos. See How do I link/connect my accounts inside Kudos? Once it's connected, Kudos can track that card's benefits automatically.
Can't connect the card? You can still mark credits as redeemed yourself with the toggle on the benefit's detail page.
🛠️ Something still looks wrong?
If a credit you used still shows as unused, email us at support@joinkudos.com with the card name, the benefit, and roughly when you used it. We'll take a look.