Maximize your credit card rewards and cashback on every purchase with an AI-powered assistant that identifies the best card to use at any merchant instantly.
Kudos
Maximize credit card rewards and save on bills automatically with an AI-powered browser extension that activates hidden offers and manages your subscriptions.
Free plan available
$49.99/mo
About Kudos
Kudos is an AI-driven personal finance assistant designed to maximize the value of credit card usage without the manual effort typically required to track rewards and offers. By integrating directly into the web browser, the tool acts as an "autopilot" for the user's wallet, supporting over 3,000 credit cards and functioning at more than two million online stores. Its primary goal is to ensure consumers never miss out on cash back, reward points, or merchant-specific discounts by identifying the optimal payment method for every transaction in real-time. The tool operates through a sophisticated browser extension and mobile app that analyze spending habits to provide proactive financial insights. When a user reaches a checkout page, Kudos automatically recommends the credit card that offers the highest rewards or specific activated benefits for that retailer. It goes beyond simple recommendations by autofilling payment details, including CVVs, and stacking partner cash back—known as Kudos Boost—on top of existing card rewards. Additionally, the AI component handles the tedious aspects of finance by identifying recurring subscriptions, negotiating lower rates on bills, and even managing the cancellation process for unwanted services. Kudos is particularly beneficial for "reward maximizers" or individuals with multiple credit cards who struggle to keep track of rotating categories and limited-time merchant offers. It caters to busy professionals and online shoppers who want to save money but lack the time to manually browse through issuer portals for Amex or Chase offers. By centralizing rewards, credits, and transaction history into a single dashboard, it provides a comprehensive view of financial health that traditional banking apps often lack. What distinguishes Kudos from competitors is its commitment to a "100% commission" model, where it passes the entirety of store commissions back to the user as extra rewards. The platform utilizes Zero-Knowledge Architecture and bank-level 256-bit encryption to ensure that sensitive financial data remains private and inaccessible even to the company itself. With features like the offline Cheatsheet and automated Welcome Offer tracking, Kudos provides a full-spectrum solution for credit card optimization.
Kudos pros & cons
Pros
- Supports over 3,000 credit cards and 2 million stores
- Uses Zero-Knowledge Architecture for enhanced data privacy
- Passes 100% of store commissions back to the user
- Automatically activates merchant offers from Amex, Chase, and Citi
- Includes offline card recommendations via the Cheatsheet feature
Cons
- Full subscription cancellation AI is restricted to Premium members
- Free plan only provides access to the last 30 days of transaction history
- Bill negotiation can take up to 10 days to process
- AI bill negotiation may take up to 50% of the total savings achieved
Kudos use cases
- Frequent online shoppers can use the browser extension to automatically pick the best card and stack rewards at checkout.
- Credit card enthusiasts can manage multiple cards and ensure they never miss a Welcome Offer or rotating category reward.
- Budget-conscious families can use the AI concierge to identify unused subscriptions and negotiate lower rates on monthly bills.
Kudos features
- welcome bonus tracking
- kudos boost cash back
- checkout autofill with cvv
- unified rewards dashboard
- bill negotiation concierge
- ai subscription cancellation
- automatic offer activation
- best card recommendations
Kudos pricing
Is Kudos free? Yes, Kudos has a free plan, and paid plans start at $49.99 / month.
Free
Free
- Best card at checkout & autofill
- Unified Wallet and spend tracking
- Recurring payments tracker
- Limited card offer activation
- Last 30 days of spend history
- Basic AI suggestions & advice
- Automated Benefits Tracker (Light)
Premium Monthly
$49.99 / month
- Unlimited card offer activation
- AI subscription cancellation
- Bill negotiation assistance
- 2 years of spend history
- Concierge-style financial advice
- Welcome Offer Tracker guarantee
- Priority access to new features
Premium Yearly
$143.99 / year
- Unlimited card offer activation
- AI subscription cancellation
- Bill negotiation assistance
- 2 years of spend history
- Concierge-style financial advice
- Welcome Offer Tracker guarantee
- Priority access to new features
Kudos FAQs
What is Kudos Boost?
Kudos Boost is an additional cash back reward offered at over 15,000 stores. It stacks on top of your existing credit card rewards, and Kudos passes 100% of the store commission directly to you.
How does automatic offer activation work?
When you visit issuer portals with Kudos installed, it automatically activates hundreds of offers across your cards. At checkout, Kudos recommends the card that factors in these active offers.
How does the subscription cancellation feature work?
Kudos detects recurring charges across cards. Premium members can use the AI to handle the entire cancellation process, including phone calls and emails, while receiving real-time status updates.
Is my data secure with Kudos?
Kudos uses Zero-Knowledge Architecture, meaning sensitive data is encrypted on your device and private even from them. They are also SOC 2 (Type 1) compliant and use bank-level encryption.
What is the Cheatsheet feature?
The Cheatsheet is a tool for offline shopping that provides card recommendations for physical retailers. It ensures you use the best card for rewards even when you are not shopping online.
Ratings & reviews
No reviews yet. Be the first to share how Kudos worked for you.
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