Kudos is a free AI-powered wallet that helps you earn more from your cards and finances. Join our growing community of 500,000 to transform your wallet ✨
Joined October 2021
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Feb 26
One click. $840/year saved on an internet bill. No hold music. No talking to anyone. Kudos AI handled the entire negotiation in under 10 minutes.
That's not a pitch. That's what our users are actually experiencing.
AI Bill Negotiation is here. Your bills won't know what hit them.
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Bilt launched 3 new cards built around rent: Blue ($0), Obsidian ($95), Palladium ($495). All earn up to 1x points on rent and mortgage with no transaction fee when you pay through Bilt, pulled from your linked bank account.
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Jun 15
Paze is literally giving you $10 back on a $10 purchase, up to 10x per card. Chase cards also get 10x points on top through end of 2026. Some of the merchants are also Kudos Boost merchants, so you can stack cashback too 👀
reddit.com/r/JoinKudos/comme…
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Jun 15
Many cards add a ~3% foreign transaction fee on everything you buy abroad. It never shows as its own line, so you never see it. On a $3,000 trip that is ~$90 for nothing. Pack a card with no foreign transaction fees.
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Jun 14
Chase Sapphire Reserve just updated its Apple TV Apple Music benefit. Apple One subscribers now get $15/mo off instead of overlapping subscriptions that did nothing. Individual plan drops to $4.95/mo. Activate both credits in the Chase app before 12/31:
joinkudos.com/blog/how-to-ge…
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Jun 14
Transfer bonuses live through June 30: up to 50% to Marriott Bonvoy, 25% to Flying Blue (Air France/KLM). 100k points becomes 150k for free. Only transfer with a specific trip in mind, since transfers usually cannot be reversed.
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Jun 13
Money sent on a payment app to a stranger is gone for good once accepted, and the apps do not reimburse scam payments. For anyone you do not know, pay with a credit card so you can dispute it. Bank-impersonation texts are spiking this year. Slow down.
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Jun 12
Buying World Cup tickets on StubHub? Activate Kudos Boost before checkout and stack up to 14% back.
Here's the stack: 8% Boost 5% card-linked offer from Chase (YMMV - hope you're targeted) 1% base card rewards.
On a $1,000 seat, that's $140 back.
joinkudos.com/blog/best-cred…
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Jun 12
AMEX Platinum Trip Cancellation Insurance: up to $10,000 per trip, $20,000 / year. Covered reasons: sickness, injury, family death, severe weather, jury duty. Pay the full trip on the eligible AMEX card. File the claim, don't beg for a refund. Comment CANCEL for the playbook.
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Jun 12
Kudos helps you use the right card everywhere you shop. Everywhere just got bigger.
The Location Cheatsheet is live. Open the app, see what's around you, use the right card. Add the widget and skip the app altogether.
Your best card, everywhere.
joinkudos.com/blog/introduci…
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Jun 10
Your credit card company will pay you to not cancel. It is called a retention offer. Call, say the annual fee is hard to justify, then go quiet. Last year it turned my $95 fee into a $50 credit. One 5-minute call.
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Jun 12
Tips:
1️⃣ Call within 30-60 days of your fee posting, that's when offers are most common
2️⃣ Be polite, not threatening. "Hard to justify" beats "cancel my card now"
3️⃣ Never cancel on the spot. You can always close later
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Jun 12
📌 Not sure the card is worth keeping? Full script how Kudos helps:
joinkudos.com/blog/how-to-ge…
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Jun 11
AMEX Platinum wellness lounge stack: $300 Equinox $200 Oura $300 digital entertainment = $800. Add Centurion (unlimited, same-flight req from July 8), Priority Pass (with enrollment), Delta Sky on Delta. Conservatively $1,200 . Comment LOUNGE.
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Jun 12
✈️ The lounge layer:
4️⃣ Centurion Lounges: unlimited 2 guests (same-flight rule starts July 8!)
5️⃣ Priority Pass: not automatic, enroll now
6️⃣ Delta Sky Club: when flying Delta the same day
7️⃣ Plaza Premium lounges: included, most people miss this
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Jun 12
⚠️ The trap: Equinox auto-renews on your card. Not going? Set a reminder to cancel before renewal.
📌 Kudos tracks every credit on your cards, so nothing expires unused.
Go get that $1,000! You've got this.
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Jun 10
BREAKING: Chase just refreshed the Sapphire Preferred. Same $95 fee.
NEW: 3x gas EV charging, 3x Airbnb/Vrbo, $100 hotel credit, $120 Global Entry credit, free year of Apple TV
NERFED: Hyatt transfers drop to 4:3. Transfer before Oct 1 to keep 1:1.
joinkudos.com/blog/chase-sap…
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Jun 9
Fed meets June 16-17. Fed funds rate: 3.65%. Avg credit card APR: ~22%. The 18-point spread is the bank's markup. A 25bp cut moves your variable APR by 25bp → ~$12/yr on a $5,000 balance. A balance transfer cuts more than any Fed move. Comment APRGAP.
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Jun 9
If you're carrying a balance, a transfer to a 0% intro APR card cuts way more than any Fed move will:
1️⃣ Check your current APR and balance
2️⃣ Find a card with a 0% intro period (12-21 months)
3️⃣ Calculate your transfer fee vs interest saved. It's almost always worth it
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