Kudos has partnered with CardRatings and Red Ventures for our coverage of credit card products. Kudos, CardRatings, and Red Ventures may receive a commission from card issuers. Kudos may receive commission from card issuers. Some of the card offers that appear on Kudos are from advertisers and may impact how and where card products appear on the site. Kudos tries to include as many card companies and offers as we are aware of, including offers from issuers that don't pay us, but we may not cover all card companies or all available card offers. You don't have to use our links, but we're grateful when you do!
Kudos Auto-Activates Your Card Offers - Here's How It Works
July 1, 2025
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Your credit cards hide hundreds of dollars in offers. Kudos finds and activates them for you, automatically.
The Problem with Card-Linked Offers
Card-linked offers (CLOs) deliver 25-30% savings at brands you already shop with - 4% back at Amazon, 10% off at Whole Foods, $20 back at Sephora, 15% at Target. The catch: they're buried across Amex, Chase, Citi, and BofA portals, require manual activation, and refresh every few days. Most people never use them because they don't know they exist or it's too much work to keep up with.
What Makes Kudos Different
Other apps activate offers. We activate your offers and remind you to use them at checkout.
- We're already at checkout: Kudos surfaces the right offer at the exact moment you're buying and automatically picks your best card.
- We know what you actually buy: We match activated offers to your real purchase history so you see offers that matter to you, not a list of 500 merchants you'll never shop at.
- We change which card you should use: A 25% offer beats a 2% rewards rate every time. Kudos recalculates recommendations in real-time based on active offers.
- It's your entire wallet, not just offers: CLO activation is one feature in a complete system including Boost cashback stacking, AI insights, welcome bonus tracking, and 2 years of spending data.
Card-linked offers stack with your card's base rewards, but only if you remember to activate them. With Kudos, activation happens automatically when you visit your issuer portal, and the right offer surfaces at checkout so you never leave savings on the table.
How It Works
- Auto-Activation: Visit your issuer portal with the Kudos extension installed, and we automatically detect and activate all available CLOs across your supported cards. No clicking through hundreds of tiles. Auto-Activation is available on web, iOS, and Android. On web, go to "Activated Offers" on the home page. On iOS, tap "Benefits and Offers." On Android, tap "Activate Offers" from the home screen. If you're primarily on mobile, we recommend setting up on desktop first for the smoothest experience.
- Smart Checkout Reminders: Shopping online? Kudos surfaces active offers at checkout, then recommends the card that maximizes your total savings.
- Unified Benefits Tracker: See all your activated offers, statement credits, and card benefits in one dashboard. Track the value you're unlocking as you shop.
- Fresh Offers, Always: New offers drop every few days. Kudos prompts you to refresh at checkout so you never miss the latest deals.
Important: On iOS, make sure to enable the Kudos extension in Safari (Settings → Safari → Extensions → Kudos) so checkout reminders work when you shop on your phone.
Plus, a Fully Revamped Benefits Tracker
The rebuilt Benefits Tracker shows real-time progress bars on every credit so you can see exactly where you stand, step-by-step redemption instructions with direct links, and an annual fee vs. value comparison per card so you know which cards are actually worth keeping. Each card gets its own clean view so you're not scrolling through everything at once.
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Kudos tracks them automatically: real-time progress bars show exactly where you stand on every credit, step-by-step redemption instructions tell you how to use each benefit with a direct link, and an annual fee vs. value comparison shows whether each card is worth keeping. Each card gets its own view so nothing gets overlooked.
What's Included
Kudos Free:
- All existing free features including card recommendations at 2 million+ sites, autofill, Boost cashback at 15,000+ stores, approval odds, Dream Wallet, Card Explorer, and Test Drive stay free forever. We pass 100% of our affiliate commissions back to you as Boost cashback.
Kudos Premium:
- Unlimited CLO auto-activation across all supported cards
- Our AI negotiates bills and fees on your behalf
- Automatically cancel unwanted subscriptions
- Full access to Kudos AI, your personal financial assistant
- Advanced AI insights tailored to your spending
- Full benefits and credits tracking for all your cards
- Value tracking showing total savings from activated CLOs
- 2 years of transaction history
- Automated welcome bonus tracking
- Early access to new features
Coming Soon: More Autopilot Features
Premium is getting even more powerful with features that pay for themselves:
- Monitor flight and hotel prices and auto-rebook when rates drop
- Location-aware recommendations
- Bill statement integration
FAQ
Which issuers are supported?
American Express, Chase, Citi, Bank of America, and Wells Fargo. More coming soon.
How often should I refresh offers?
New offers drop every few days. We recommend refreshing weekly for maximum value.
Does this work in-store?
Yes! CLOs work for both online and physical purchases.
Does Kudos work on Android now?
Yes. The Kudos Android app is now live on Google Play with full card-linked offer support, including auto-activation and checkout reminders.
Unlock your extra benefits when you become a Kudos member
Turn your online shopping into even more rewards
Join over 400,000 members simplifying their finances
Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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