Nitro Wallet
Smart Pay

The wallet that picks
the best card for you.

Kudos-style card optimization, built into the wallet. Every checkout, every card you carry — Smart Pay ranks them in real time, auto-applies coupons, and stacks 2% BTC back on top.

  • Multi-card carriers
    Stop guessing — swipe the highest-earning card every time
  • Online shoppers
    Auto-stacked coupons at checkout, no extension needed
  • Bitcoin believers
    2% BTC back on Nitro swipes, paid daily to your wallet
Turn on Smart Pay See the demo
$487
Avg yearly bonus
50k+
Coupons indexed
2%
BTC back, stacked
Try it

Pick a checkout

Smart Pay picks the card that pays you the most — instantly.

Smart Pay recommendation
Nitro Card
4% back · earn $0.96 on this $24 purchase
Nitro Card+BTC
Nitro · Visa
$0.96
4%
Amex Gold
American Express · Amex
$0.96
4%
Sapphire Preferred
Chase · Visa
$0.72
3%
Citi Double Cash
Citi · Mastercard
$0.48
2%
Auto-applies coupons & stacks BTC back on every Nitro swipe.

Four moves at every checkout. Zero effort.

Best-card picker

Connect every card you carry. Smart Pay ranks them by category and tells you which one to swipe in real time.

Coupons auto-applied

We crawl 50k+ promo codes and apply the best stack at checkout — no extension, no clicks.

Stacks with 2% BTC back

Every Nitro Card swipe earns 2% in Bitcoin on top of merchant rewards. Smart Pay never recommends against you.

Private by default

Card data is tokenized. We never see your statements, balances, or contact info.

Why Nitro wins

Kudos-grade smarts. Built into your wallet, not a browser extension.

Works in-store, not just online

Kudos lives in your browser. Smart Pay surfaces the best card on your phone — at the register, the gas pump, anywhere.

Stacks 2% BTC back

Other optimizers route you away from their own card. Nitro routes to the highest earner — and still pays 2% BTC back when it's the Nitro Card.

One balance, one app

No extension. No second login. Recommendations, coupons, perks, and your spending account all in one place.

Get Nitro Book a demo
Compare tiers

Free vs Nitro Black — pick the tier that pays you back.

Smart Pay is free for every Nitro member. Black unlocks unlimited cards, boosted BTC back, and real-time analytics.

Nitro
Free, forever
$0
/ year
Get Nitro Free
Nitro Black
The full lineup
Most popular
$95
/ year
Apply for Black
Best-card recommendations
Best for · Multi-card carriers
Nitro
Up to 3 linked cards
Nitro Black
Unlimited linked cards
Auto-applied coupons at checkout
Best for · Online shoppers
Nitro
Nitro Black
Category optimization (dining, travel, gas)
Best for · Multi-card carriers
Nitro
Standard
Nitro Black
Advanced + custom weights
2% BTC back on Nitro swipes
Best for · Bitcoin believers
Nitro
Nitro Black
Boosted to 3% on travel & dining
In-store tap-to-pay recommendations
Best for · Everyone
Nitro
Nitro Black
Spend analytics & missed-rewards report
Best for · Multi-card carriers
Nitro
Monthly
Nitro Black
Real-time
Priority support
Best for · Everyone
Nitro
Nitro Black

Cancel anytime — unused months prorate back to your wallet. No credit pull.

How it works

Three taps. Forever optimized.

  1. 01
    Connect your cards
    Tokenized through our card-link partner. We never see your statements.
  2. 02
    Set your defaults
    Tell us how much you value cash, miles, points, or BTC. Smart Pay does the math.
  3. 03
    Swipe — and earn
    At checkout we surface the best card. Online? Coupons auto-apply. Done.
Stack with Nitro

Pair Smart Pay with the Nitro Card and earn two ways at once.

  • 2% BTC back on every Nitro swipe — paid daily to your wallet.
  • Smart Pay routes spend to the card that wins for that category.
  • Auto-applied promo codes — no extension, no extra clicks.
Get the Nitro Card
FAQ

Smart Pay, answered.