Carat

All your loyalty programs and an AI travel concierge — in one place.

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Carat is currently available only in the United States.
build v19.0 — reset fix

Unlock Hugo — your AI concierge
Live trip plans, restaurant reservations, lounge picks, points math — all anchored to your real balances.
$3.99/mo · cancel anytime
Carat

Connect your first loyalty account

Install the Carat extension, then sign in at any of the loyalty sites below. Your balances sync automatically. Your passwords stay on the merchant's site.

Your portfolio

Where are you traveling today?

From your home airport to your destination — Carat remembers both and uses them to anchor every concierge suggestion (hotels, lounges, steakhouses, transit).
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Hugo

Your AI concierge

Built for the working traveler. Hugo knows your real balances, elite status, and home airport. Ask about restaurants, lounges, redemptions, status math — anything on the road.

Hugo

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Hugo Live

Some links Hugo suggests are partner links. Carat may earn a commission on approved sign-ups or bookings — at no extra cost to you. Recommendations stay anchored to your real balances, not commission rates.