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Skip the Guesswork: See Your Card Approval Odds Instantly Inside Kudos
July 1, 2025
Applying for credit cards shouldn't feel like rolling the dice. Yet for most people, hitting "submit" on a credit card application is a leap of faith: Will you get approved, or will you face rejection and a hard inquiry on your credit report?
You never have to worry again. We just launched Approval Odds – a new feature that tells you exactly where you stand before you apply.
What Are Approval Odds?
When you browse credit cards inside Kudos - either from the web or from our mobile app - you'll now see a clear assessment of your approval chances for each card: Excellent, High, Moderate, or Low. No more guessing, no more surprise rejections.
Important: Approval Odds Are Estimates
Approval odds are estimates based on available data, not guarantees. Card issuers consider factors beyond what's visible to third-party platforms when making approval decisions. Even platforms with direct access to issuer decision-making logic can't predict approvals with 100% accuracy.
Final approval depends on the card issuer's complete underwriting process, which may include:
- Income verification
- Employment status
- Existing relationship with the issuer
- Debt-to-income ratio
- Recent account activity
- Proprietary risk models
Applying for a credit card results in a hard inquiry that may temporarily affect your credit score, typically by 5-10 points.
How It Works
Our approval odds are powered by your free credit score and profile data that's already in your Kudos account. We analyze key factors like:
✅Credit score: Your current FICO score
✅Credit utilization: How much of your available credit you're using
✅Account history: Length and depth of your credit history
✅Recent inquiries: New accounts and applications
✅Chase 5/24 status automatically: no more counting cards manually to make sure you're under the Chase 5/24 Rule
Based on this analysis, we give you a personalized assessment for every card in our database, and we’ve got a lot of them in there - over 3,000!
You can manage all your credit cards in one place and check your credit score for free with our unified wallet management.
The Benefits
No more wasted hard inquiries. See which cards you're likely to get approved for before you apply, so you can focus your applications strategically.
Instant insights. Your approval odds update automatically as your credit profile changes, so you always have current information.
Confidence in your choices. Browse cards knowing exactly where you stand, and apply with confidence when you find the right match.
Ready to Try It?
Open Kudos and start browsing cards. You'll see your personalized approval assessment for each one. Your credit journey just got a lot more predictable.
Frequently Asked Questions
Will checking my approval odds affect my credit score?
No. Viewing your approval odds inside Kudos performs a soft pull that doesn't impact your credit score. However, submitting an actual application to the card issuer will result in a hard inquiry.
How often do approval odds update?
Your approval odds update automatically as your credit profile changes, ensuring you always have current information.
Are approval odds guaranteed?
No. Approval odds are estimates based on your credit profile and available data. Final approval depends on the card issuer's complete underwriting process and factors beyond our data access. Even with "Excellent" odds, approval is never guaranteed. Always review terms and conditions before applying.
What if I'm denied despite high approval odds?
We understand how frustrating this is. We're continuously working to improve our approval odds logic, but we can't eliminate all misses because card issuers use proprietary criteria we don't have access to. If this happens to you, please contact support@joinkudos.com - we're here to help.
How many cards show approval odds?
Approval odds are available for over 3,000 credit cards in our database.
What if my approval odds seem incorrect?
If you believe your approval odds are inaccurate, please contact support@joinkudos.com with details about the specific card and your concerns.
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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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