Maximize Your Credit score Card Rewards

Kudos is a useful internet browser extension that helps you maximize your bank card rewards earnings while you store on-line. 

When you have a number of rewards playing cards, figuring out which card will get you the absolute best money again or journey rewards price for various purchases could be a problem. 

Between my spouse’s and my pockets, now we have greater than a dozen rewards playing cards. Whereas doing this evaluation, I signed up myself, because it appears useful for my private wants.

It is browser plugin routinely fills out your bank card particulars primarily based on which card presents one of the best rewards from that specific service provider. Right here’s a better take a look at how the Kudos pockets app works and who could profit most.

Promo: New customers with the promo code COLLEGE will get $20 after their first eligible Increase buy.

Kudos is a California-based enterprise capital-funded firm based in 2021. Founders Tikue Anazodo and Ahmad Ismail beforehand labored collectively at giant tech firms and determined to resolve one in all their largest challenges with rewards playing cards: figuring out which to make use of to maximise the rewards from every card of their pockets.

The Kudos system helps greater than 3,000 completely different credit score and debit playing cards and works with greater than 2 million retailers, so there’s a superb likelihood it’ll work with your entire bank cards and the locations you store most.

They declare to have helped their 200,000 members earn over $150,000,000 in rewards to-date.

Kudos has raised $7 million, giving it room to develop and enhance. These funds have additionally allowed the corporate to take a position closely in security measures to maintain your bank card particulars secure, which ought to put most customers comfortable in order that they don’t have to fret about including their playing cards to the app.

The principle characteristic of the Kudos pockets helps you choose one of the best bank card for every buy, specializing in which card you will have that gives one of the best rewards in that buy class. It additionally works with over 15,000 collaborating retailers to supply elevated rewards, much like different increase applications supplied by bank card and funding firms.

Kudos is greatest used as a browser extension on desktop or laptop computer computer systems, although you too can use it with Safari on iOS gadgets. There’s presently no app for Android customers, but it surely’s on their roadmap.

Decide The Greatest Rewards Credit score Card At Checkout

The first characteristic of Kudos is a brilliant bank card picker. The Kudos pockets appears to be like at the place you’re purchasing and compares playing cards in your on-line pockets to decide on one of the best rewards card for that particular retailer. Whether or not you’re seeking to earn money again or journey rewards, the Kudos app considers the place you’ll earn probably the most worth.

Based on the Kudos web site, it helps greater than 3,000 fee playing cards. After I signed up, I used to be capable of simply discover and add each card my spouse and I’ve to my account. That features some older Chase and Amex playing cards which are not out there and each enterprise and private accounts.

Kudos Increase

Kudos Increase is a companion program (that’s additionally a part of the Kudos income mannequin) that means that you can earn enhanced rewards with collaborating retailers. Whereas shopping the highest offers, I noticed large manufacturers, together with Walmart, Lowe’s, Macy’s, Tractor Provide, Staples, Dick’s Sporting Items, Workplace Depot, Groupon, and CVS. The checklist contains retail, journey, and different locations you probably already store.

In an effort to earn Kudos Increase, you’ll want to add your playing cards to your Kudos pockets and activate the extension at checkout. Increase rewards are amassed in your Kudos account. When you attain a steadiness of $10 or extra, you’ll be able to redeem them for an Amazon present card. Extra redemption choices resembling money or airline miles are coming quickly.

After finishing a couple of signup duties within the app, I earned greater than $4 in rewards earlier than making my first Increase-eligible buy.

Promo: New customers with the promo code COLLEGE will get $20 after their first eligible Increase buy.

Computerized Credit score Card Type Filling

Whereas it’s not a standalone characteristic, the added comfort of routinely filling in your bank cards when purchasing on-line is useful. Whereas I already get this from my browser and password supervisor, if I didn’t, I’d definitely contemplate this a pleasant value-add. 

Kudos is totally free, so there’s not price so as to add it to your browser or iPhone and provides it a attempt. 

Kudos earns cash by referring folks to new bank cards and earns an affiliate fee in the event that they join. It additionally earns income from the Kudos Increase program, getting a minimize of the bonus or sale from collaborating retailers.

Kudos isn’t the one fintech firm making an attempt that can assist you maximize rewards. A few different options embody:

MaxRewards is a free app that helps you select the best card for every buy however doesn’t have the identical degree of automated integrations as Kudos. It’s extra highly effective for managing your bank card portfolio, and the premium model, MaxRewards Gold helps you routinely activate offers via your bank card portal. A Gold membership begins at $84 yearly. For extra particulars, take a look at our MaxRewards evaluation.

CardPointers is much like Kudos, but it surely additionally means that you can routinely activate merchant-specific bonuses to your current bank cards. Nonetheless, you must pay $60 per yr to unlock a lot of the options.

Whereas common purchasing instruments like Rakuten, Honey, and Capital One Procuring may also help you get monetary savings via coupons and cashback presents, Kudos gives a extra holistic and automatic strategy to maximizing your bank card rewards. By seamlessly integrating along with your current bank cards, Kudos units itself aside as the final word rewards optimization instrument for savvy customers and bank card fanatics.

Opening an account took me about two minutes. I entered my identify, electronic mail handle, and cellphone quantity and needed to enter a code to confirm each. As soon as verified, Kudos took me via an onboarding course of the place I added my bank cards and the browser extension.

It was a easy and straightforward course of that anybody with primary web abilities ought to have the ability to deal with with out breaking a sweat.

Kudos makes a giant deal of person safety, and is clear about its app and the steps it takes to maintain your info secure:

• 256-bit encryption: This is identical degree of encryption utilized by banks and different monetary platforms to make sure customers can’t learn your info, even when they someway break into Kudos.
• Exterior auditing: Kudos hires exterior auditors for SOC 2 safety with constant exterior monitoring by a specialised digital safety vendor.
• AWS internet hosting: Kudos makes use of Amazon Internet Companies secured internet hosting with encryption, one of many largest and most trusted cloud internet hosting suppliers.
• Information by no means bought: Private information isn’t bought or shared with third events exterior of distributors used to make the service work.

The most effective place to get assist with a Kudos account or get solutions to questions is by emailing assist@joinkudos.com. There are not any further customer support strategies, resembling cellphone assist.

The assist part has a hyperlink for a contact type, which is basically the identical as electronic mail.

Why Ought to You Belief Me?

I’m a former financial institution supervisor and have been writing about fintech apps like Kudos since 2008. With greater than two dozen bank cards of my very own, I’m at all times looking out for brand spanking new and distinctive apps that may assist me benefit from my bank card rewards. On this case, I signed up for the app myself.

The Faculty Investor workforce works to supply unbiased evaluations to assist customers discover probably the most useful accounts and instruments on the most cheap value. If I wouldn’t advocate it to my sister, I wouldn’t advocate it to The Faculty Investor readers.

Kudos is for anybody with a number of bank cards in search of assist figuring out the place to make use of every card to maximise their rewards. Because it’s free, there’s no hurt in making an attempt to resolve if it’s a superb match to your wants.

Contemplating that every bank card has its personal “greatest” rewards perks, it may be onerous to ensure you’re profiting from your card in one of the simplest ways. Particularly in case your playing cards have annual charges. When you have a bank card with an annual charge, you wish to make certain you’re getting sufficient worth from the cardboard to ensure the charge is worth it. Kudos may also help with that.

Kudos will not be value utilizing if you happen to solely have one or two bank cards or are skittish about sharing your bank card particulars on-line. In any other case, it’s an important worth contemplating the price and options.

Try Kudos right here >>