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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.
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.
Supercharge Your Credit Cards
Experience smarter spending with Kudos and unlock more from your credit cards. Earn $20.00 when you sign up for Kudos with "GET20" and make an eligible Kudos Boost purchase.
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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