Kudos

Kudos is a US consumer fintech operating an AI-powered smart wallet delivered as a browser extension and mobile app. At online checkout it identifies which of the user’s existing credit or debit cards will produce the highest rewards for that specific merchant and purchase, then autofills the chosen card. The product indexes over 3,000 credit and debit cards and works across roughly 2 million merchants.

Core modules include MariaGPT, a conversational AI tool for discovering and comparing cards; Dream Wallet, which recommends cards a user does not yet hold based on observed spending patterns; and Kudos Boost, which layers additional cash back on top of issuer rewards through a network of more than 15,000 retail and brand partners. Kudos monetizes largely through card-issuer referrals and affiliate commerce rather than user fees. It was founded in 2021 and is headquartered in Los Angeles.

1. Browser extension and iOS app that auto-selects and autofills the highest-reward card at online checkout.

2. MariaGPT: conversational AI card-discovery engine indexing 3,000+ credit and debit cards.

3. Dream Wallet: personalized recommendations for cards the user does not yet hold, derived from spending behaviour.

4. Kudos Boost: additional cash back stacked on issuer rewards across 15,000+ retail and brand partners.

5. Coverage of roughly 2 million merchants; reported 200,000 registered users and USD 200M+ annualized checkout GMV.

6. USD 17.2M raised, including a USD 10.2M Series A led by QED Investors.