Chrome Tests AI That Could Choose Your Credit Card for You

Google is working on a new Autofill feature in Chrome that can offer AI-based credit card recommendations when you have multiple saved cards available.

A new flag appeared in Chromium’s code: autofill-enable-ai-card-recommendation-desktop. The option reads: “Enable AI-based card recommendations on Autofill.”

Chrome’s native AI card recommendation feature

When this feature is enabled, Chrome will show AI-based card recommendations whenever Autofill displays at least two credit card suggestions. The code doesn’t explain how these recommendations are made or how users will see them. The flag is part of an Autofill AI card recommendation project, and Google hasn’t said what information might be used to generate the recommendations.

This would be Chrome’s first AI feature that actively recommends which card to use, instead of just showing saved cards for users to pick from.

What Kudos already does

Kudos is a free AI-powered tool that recommends which credit card to use at checkout. It’s available as an app on the Mac App Store for Safari. Users save their cards, and when they reach a supported merchant, Kudos shows the best card and autofills it. The service has 200,000 users and says members earn an extra $750 per year on average.

The big difference between a browser extension and a native browser feature is reach. Existing tools like Kudos have 200,000 users. Chrome has roughly 3.5 billion. If Chrome ships a native AI card recommendation as a default feature, it would instantly become the most-used card optimization tool ever, before it even appears on a Product Hunt leaderboard.

Kudos gives us a useful example of what AI card recommendations look like in practice. But Chrome’s native version would have advantages no third-party tool can match. Chrome autofill already knows which cards you have through Google Wallet. Google Pay transaction history gives Google signals about which merchant categories each card covers.

This is still early Chromium work, so it could change before it hits Chrome Canary or other release channels. Google hasn’t announced when it might arrive in stable Chrome or if it will at all.

For now, the flag only confirms Chrome is experimenting with AI-powered recommendations inside the Autofill credit card experience.

That’s not all. Google is also testing other AI features in Chrome: a floating AI Mode search bar on Windows, the ability to disable Gemini Skills, an AI suggestions feature, and automatic tab sharing with AI Mode.