Kudos is the personal finance app that puts your money on autopilot. Our AI works behind the scenes to lower your bills, find smarter cards, and make sure you never leave money on the table. NEVER MISS A CARD BENEFIT AGAIN The average person loses $624 each year on benefits they forget about or don't know they have. Kudos tracks every benefit across all your cards and makes sure you use them before they expire. ASK KUDOS AI ANYTHING ABOUT YOUR MONEY Ask Kudos AI anything about your money, from your spending to your cards to your missed rewards. Every answer is grounded in your actual financial data, not generic advice. AI-POWERED SPENDING INSIGHTS Kudos analyzes your spending across all your cards and surfaces exactly where you're losing money — the wrong card at the gas station, duplicate subscriptions you forgot about, credits about to expire. Each insight is actionable: complete it, track your savings, and watch the numbers add up. LOWER BILLS WITH ONE TAP Overpaying for internet, phone, or cable? Kudos sends an AI agent to negotiate directly with your provider — no phone trees, no hold music, no awkward conversations. Users save hundreds per year on bills they were already paying. THE BEST CARD AT EVERY STORE Stop guessing at the register. Open the Cheat Sheet and Kudos detects the store you're at and tells you exactly which card to use to earn the most. Not nearby a store? Search by merchant or category to plan ahead. FIND YOUR NEXT BEST CARD Not sure which credit card to apply for? Kudos matches you with cards based on your actual spending habits — not generic "best of" lists. Compare welcome bonuses, rewards rates, and annual fees side by side to find the card that earns you the most. ALL YOUR CARDS IN ONE PLACE See transactions, balances, and spending across every card in a single dashboard. No more logging into five different bank apps to figure out where your money went. FREE CREDIT SCORE MONITORING Track your credit score and understand what moves it — all inside the app you already use to manage your cards. EARN CASHBACK WHEN YOU SHOP Activate shopping cashback at thousands of retailers. Stores pay Kudos a commission and we pass 100% back to you — on top of your existing credit card rewards. WHY KUDOS? - AI bill negotiation saves hundreds per year - Smart spending insights catch costly mistakes - Track your card benefits automatically - Personalized card recommendations based on your spending - All your cards, balances, and transactions in one view - Free credit score monitoring - Shopping cashback at 15,000+ stores - No browser extension required Download Kudos and start saving — on your bills, your purchases, and your time. Terms of Use: https://joinkudos.com/terms
