Make every card count.
Kreds is the friend in your wallet who already knows which card to use, which credit is about to expire, and whether each card is worth its fee. You just pay.
That didn't go through. Please try again.
Be first in line for the TestFlight beta. One email when Kreds launches, nothing else.
- The right card, right now
- Credits caught before they lapse
- Is each card worth its fee?
How it works
Three taps to set up. Then it just knows.
You never type a reward rate. Tell Kreds which cards you carry and it looks up every rate, credit and cap for you.
Pick your cards
Search for the cards in your wallet and tap to add them. No card numbers, no bank logins, no account needed.
Ask, or just glance
Say or type any store. Or open Kreds and read Today, where the card for right now is already waiting.
Tap the right card
Kreds answers in dollars, not jargon: which card, how much back, and why it beat the next best one.
See it work
Half a minute inside Kreds.
A real walkthrough: name a store, get the card, and watch Kreds keep score on the credits and fees you're already paying for.
The answer, in dollars.
Name a store, a restaurant or what you're buying. Kreds works out what it counts as, picks the winner from your wallet, and shows what you'll actually get back.
- It knows the quirks. Trader Joe's is groceries. Costco only takes Visa in the warehouse. Superstores don't earn the grocery rate.
- It shows its work. Why this card won, what the next best was, and the caps or fine print worth knowing.
- Talk or type. Ask Kreds out loud, or Browse every category without the keyboard.
Kreds speaks up before you swipe.
Today is the home screen: a short, human brief with the card for right now, anything about to expire, and the handful of places you actually spend each week.
- Right card, right now. At lunchtime it leads with dining. Near a store it leads with that store.
- Your weekly swipes. Groceries, gas, rideshare, dining: each with the winning card already picked.
- Widgets, Lock Screen and Siri. "Which card in Kreds?" answers without opening the app.
Every credit, caught before it resets.
Annual-fee cards hand back hundreds a year in statement credits, in $7 and $10 slices that quietly expire. Kreds tracks every one and taps you on the shoulder first.
- A reminder before each reset, not an email after it's gone.
- Ticked off automatically when you link an account, or by hand in a tap.
- Enrollment flags, because some credits do nothing until you switch them on.
Is each card worth its fee?
Kreds adds up what every card actually earned you this year, credits included, and puts it next to the fee. Keep it or cancel it on real numbers instead of a hunch.
- Swipe checks. Link an account and Kreds reviews each purchase, then tells you when another card would have earned more.
- Left behind, counted. The dollars you missed, so the number gets smaller every month.
- Light credit health. How much of your limits you're using. No score pulls, no hard checks.
Your wallet, finally sorted.
Every card you carry in one stack, each one showing what it wins, what it's still owed, and how its fee is tracking.
- Rates kept current. Issuers change terms; Kreds refreshes the catalog so your answers don't go stale.
- Backed up with Sign in with Apple, so your wallet follows you to a new phone.
- Got an unusual card? Kreds looks it up for you. Every account's first three lookups are free.
Try it here
Pick a store.
This is the same answer Kreds gives in the app, from a wallet holding a Gold Card, a Sapphire Preferred, a Venture X and a Freedom Unlimited.
Why: Worth 8% back on groceries. Next best: Sapphire Preferred at 6%.
What it costs
Free makes every swipe count.
Membership makes every card count.
The best-card answer is free for good, with no account and no trial clock. Membership adds everything that runs after the swipe, all year.
Kreds
The right card, every time.
No account required. No card numbers.
- The best-card answer at any store, in dollars
- Ask Kreds by voice, or Browse every category
- Today's card for right now
- Your wallet, widgets, Lock Screen and Siri
- Backup with Sign in with Apple
- First three card lookups on every account
Kreds Membership
Nothing left behind.
About $5 a month. Or $7.99 month to month.
- Everything free, plus:
- Credits tracked, with a reminder before each reset
- Swipe checks on a linked account
- The Value report and fee check
- Credit health from your linked accounts
- Plan a big purchase across your cards
- Unlimited card lookups
One $10 dining credit you'd have missed covers two months. Your first week of membership is on Kreds: it starts when you add your first card, with no payment and nothing to cancel.
Member invites
Give a friend a free month. Earn one back.
Every member gets personal invites to hand out. Not a code posted on a deals site: each one works once, for one friend.
Invites are part of membership and arrive with the App Store launch. New members only; after the free month, Kreds Yearly renews at the regular price unless cancelled.
Private by design
Kreds never needs your card numbers.
It only needs to know which cards you have. Everything else is optional, and the parts that aren't stay on your phone.
No numbers, no logins
Adding a card means picking it from a list. Kreds never asks for a card number, expiry, CVV or an issuer password.
Your voice stays home
What you say to Ask Kreds is transcribed on your iPhone. On recent iPhones the category matching runs on-device too.
Linking is your call
Bank linking is optional, powered by Plaid, and asks for Face ID first. Kreds doesn't sell your data. Read the policy.
Questions
Good things to ask.
Is Kreds on the App Store yet?
Not yet. Kreds is in TestFlight now and heading to the App Store. Join the waitlist and you'll get one email the day it lands, plus first call on beta spots.
Do I have to connect my bank?
No. The whole free side of Kreds, including the best-card answer, works with nothing but a list of the cards you carry. Linking an account is what turns on swipe checks, automatic credit tick-off and credit health, and you can use membership without ever doing it.
Which cards does Kreds know?
The popular ones are built in, from no-fee cash-back cards to premium travel cards. If you carry something unusual, Kreds looks it up and adds it, rates, credits, caps and all. Every account gets its first three lookups free, and membership makes them unlimited.
How does Kreds make money?
Memberships, and card application links. If you apply for a card through Kreds we may earn a commission, and it never changes which card Kreds recommends. The recommendation engine doesn't know or care what pays. See the advertiser disclosure.
What happens when the free week ends?
The free features keep working, for good. There's no lockout and no paywall when you first open Kreds. The courtesy week starts when you add your first card, takes no payment, and leaves nothing to cancel.
Does it work on iPad or Android?
Kreds is an iPhone app and runs on iPad with a layout built for the bigger screen. There's no Android version today.
Stop leaving money on the counter.
One email when Kreds hits the App Store. Nothing else, ever.
Join the waitlist