Kard is a web application that notifies you of all the available credit card rewards at the exact moment when you need it most: while you’re shopping! You may be saying to yourself, "I know what all my credit card rewards are—2x points on dining and travel, 3x on groceries. What do I need Kard for?" Well, those aren't all your rewards; credit cards now offer significantly more valuable rewards where you can earn hundreds of dollars a year in extra cashback, miles and points. These offers are with thousands of merchants across the country, where you can earn $50 off your $200 purchase, an extra 10% off your office supplies, etc., helping you save on everything from daily purchases to big ticket items. Kard is here to help make sure you never miss out on these awesome deals again!
We get this question a lot, so we figured it might be helpful to come right out and say it: Kard is absolutely, positively 100% free for consumers. We work directly with credit card issuers, building technology to help you, the consumer, discover and activate your rewards in real-time.
We're all familiar with our category rewards—2x dining, 3x travel, etc—but few of us realize that we can also earn points, miles and cash back from our credit cards by shopping with some of the biggest retailers in the country: Wal Mart, Home Depot, The Gap, and Apple—there are thousands of these rewards just waiting to be activated! Sign up for Kard and we’ll notify you of all your available offers wherever you’re shopping online!
Banks love this new type of reward because they share the cost with the merchant. When banks (i.e. Chase) send somebody to www.walmart.com and that person makes a purchase, Walmart shares some of that revenue with Chase. That differs greatly from a category reward which is entirely funded by the bank. When you swipe your Chase Sapphire Reserve card at a restaurant for 3x your dining points, Chase is giving you that reward at a loss. With card-linked offers, banks, merchants and consumers all stand to benefit, which is why they've grown so rapidly and will continue to grow.
As of right now, the only way to activate these offers is through your bank shopping portal. When you click on a notification from Kard, we redirect you to your bank shopping portal where you can then log in and activate your deal. We’re in the process of working with banks to make the process as simple as just clicking our notification!
While it's true that some banks’ offers are targeted, the majority of these rewards are available to all cardholders. We display the deals that are available to everyone so that we don't need to take any personal information, bank login credentials or credit card numbers from our users.
If you have a card through one of the major issuers, then you have access to these rewards. Chase, American Express, Barclays, Bank of America, Discover, Wells Fargo, Citi—all these cards have rewards with hundreds of merchants.
A Chrome Extension is a type of web application available to everyone who uses the Google Chrome browser. Once installed, these apps live to the right of the address bar, and can send notifications while you're browsing. The reason we built a Chrome Extension for Kard is because it is the best way to let you know about rewards while you're shopping online in real time.
Kard works on any browser, but in order to download our Chrome Extension, you must use Google Chrome. We highly recommend this option, as it allows us to deliver notifications in real-time. We’ll be releasing similar functionality on other popular browsers in the coming months as well.
No! That's one of the best things about Kard: all we need to know is the type of credit card that you have, and then we'll be able to notify you of all the available rewards. The reason we're able to do this is because the rewards are the same for everyone—whether it's your Chase card, our Chase card, or somebody else's, we can all shop through the Ultimate Rewards Portal...and the same is true for every issuer.
Kard is very safe and very secure. We do not take any personal information, bank login credentials or credit card numbers from our users, but we still built our platform based on bank-level security standards.