Stop guessing which card to swipe

The mid-aisle problem

You're at the pump, the grocery line, or a restaurant — and you still wonder which card earns more. Was dining 3% this quarter? Is gas better on the other card? Most people shrug and swipe whatever's in front.

That guesswork is expensive over a year. Credit Card Perks is built to end it.

Your cards, identified

Banks often sync a generic name like “CREDIT CARD.” Kiwi asks which card it really is — Sapphire, Freedom, Venture, and the rest — so the right reward picture can load.

Confirm your welcome offer while you're there. Kiwi saves the bonus from when you linked, even if the public promo on the bank's site changes later.

What you see on every card

• Base rates and bonus categories — dining, groceries, gas, travel, and more
• Rotating categories that show what's active right now, not last January's list
• Caps and annual fees, so the real math stays honest
• Your personal welcome offer, frozen from when you connected
• Choose-your-category cards — set the 3% pick once; Kiwi remembers

Rates lean on issuer-verified data, not a random internet list. When something looks off, you can fix it for your card right away.

A nudge at the store

With Geo Insights on Pro, Kiwi can notice where you are and surface a simple tip — like which linked card earns more on gas at that spot. No spreadsheet. No hunting through bank apps. Just a quiet reminder when it helps.

The cool part isn't a giant rewards encyclopedia. It's the confidence of knowing, mid-aisle, which card actually pays you back.

Related reads

After the swipe comes the bill — see credit card payment review. New to the habit? Read what a money check-in is.