# Kudos 3.0

- Link: https://100xfounder.com/startup/kudos-3-0/
- Published: 2026-10-12T12:31:00+05:30
- Author: 

Kudos is a money app for people in the US with several credit cards. Its free version
picks the card that earns the most rewards for each purchase at more than 2 million
merchants, adds extra cashback (Kudos Boost) at over 15,000 partner stores, surfaces
card perks you may have forgotten, tracks balances and due dates and shows a free
credit score. It works as an iPhone and Android app and a browser extension.

Kudos Premium adds the features this launch is built around: an AI agent that phones
your providers to negotiate lower bills, automatic cancellation of subscriptions
you no longer want (Kudos asks before cancelling anything), automatic activation
of card-linked offers at American Express, Chase, Citi, Capital One and Bank of 
America, and an AI assistant, in beta, that answers questions about your spending
and cards. Kudos 3.0, launched on Product Hunt on 12 October 2026, reorganised the
app around a single “Your wins” total and a ranked “next best move”. It finished#
8 for the day with 119 upvotes.

Kudos is made by Kudos Technologies, Inc. of California, co-founded by Tikue Anazodo
and Ahmad Ismail. It makes money partly from affiliate commissions, including on
purchases through Boost and on credit-card applications, so its recommendations 
can involve paid relationships. It covers US cards and bills, so it is of little
use to readers in India or elsewhere.

_We have not tested Kudos ourselves. This page brings together Kudos’s help centre,
terms and App Store listing (its main website loads only in a browser), its Product
Hunt page and the official pages of comparable apps, and says where each fact comes
from._