No credit check. No interest. No hidden fees on the Free plan, ever. Pro is a flat subscription — billed monthly, yearly, or once for life. Web checkout flips on with the iOS public launch — today the form below captures your founders’-rate intent.
Lowest-friction way in. Try Pro free for 3 days, then $5.99/week. Cancel anytime — no annual lock-in.
New — same Pro features as monthly & annual
For drivers and dashers earning their first $500/week, or anyone who wants to try Kronos with zero commitment.
Recommended for: drivers doing under $400/week
For full-time self-employed Americans and multi-app drivers who advance more than once a month or want zero crypto fees.
Save 29% vs the App Store ($13.99/month) — pay on the web
Pay once. Use Pro forever. Capped at the first 5,000 founding members — once full, this tier never reopens.
Save $80 vs the App Store
Membership
Everything in Kronos Pro, plus 41 Black-exclusive perks across AI, crypto, banking, travel, lifestyle, status, and business.
Full perk list, fine print & partner timelines → getkronos.io/black
Rows ordered by Black-tier conversion impact — top of the list = strongest reason to upgrade. All 41 Black-exclusive benefits below.
| Feature | Free | Pro | Black |
|---|---|---|---|
| AI Trading Bot strategies | No | 2 of 7 | All 7 incl. Kronos Engine |
| AI Concierge | No | No | Always-on |
| Should I Buy AI | No | No | Yes |
| Money Health AI + Kronos Wrapped | No | No | Weekly + year-end |
| Tax extension — Form 4868 filing | No | No | Free Kronos-pre-filled PDF (direct e-file ~30 days) |
| Crypto cashback (on card spend) | 0% | 1% | 3% |
| Token airdrops | No | No | One-tap claim · wallet pre-filled |
| Pre-IPO equity access | No | No | First look |
| Airport lounge passes/year | N/A | 4 free + $29 overflow | 24 free + $29 overflow (reasonable use) |
| CLEAR Plus membership | No | No | Included |
| Hotel status match | No | No | 1/year |
| Hertz + Avis elite status | No | No | Five Star + Preferred Plus |
| Travel insurance | No | No | Per-trip |
| Hotel discount codes | No | No | 12-25% off · 2,000+ partners · refreshed monthly |
| Card material | Plastic | Plastic | Metal |
| Crypto send network fees | Full network fee | 50% subsidized | 100% subsidized · free |
| Savings APY | 0% | 2.50% | 4.50% |
| OTC desk (trades > $10K) | Retail (0.5%) | Retail (0.5%) | 0.1% spread |
| Direct deposit early arrival | Standard ACH timing | Up to 2 days early | Up to 3 days · same-day refunds |
| Cash advance limit | $250 | $1,000 | $2,500 |
| Referral payouts | $15 | $15 (cap 12) | $30 (cap 12) |
| Customer support | Email, business hours | 24/7 priority chat · 4hr SLA | 1hr SLA + named concierge |
| Credit-score monitoring | No | No | FICO + 3-bureau alerts |
| Beta features | No | Opt-in (rollout day) | Auto-enrolled · 7 days early |
| Wire transfers/month | $25 each | $25 each | 5 free + $10 each over |
| International ATM reimbursement | No | No | Up to $25/month |
| P2P sends | Unlimited · instant · free | Unlimited · instant · free | Unlimited · instant · free |
| Authorized-user cards | No | No | 1 included |
| Annual 1099 tax filing | No | No | Free via partner |
| Quarterly investment reviews | No | No | 4 per year |
| Anniversary credit (per year on Black) | N/A | N/A | $100/year |
| Partner subscriptions (white-label, rolling out) | No | No | Included as each partner closes |
| Phone insurance | No | No | $1,200 device / $600 screen |
| Annual merch box | No | No | Yes (US ground ship) |
| Handwritten founder letter shipped with metal card | No | No | Yes · one-time · signed |
| Birthday bonus | No | No | $25 USDC/year |
| Tenure badges | No | No | Every 12 months |
| "Kronos OG" status (first 1,000) | No | No | Permanent |
| DUNS number setup | No | No | Kronos pre-fills the free D&B form |
| Advance fees | $0 (≤$250) | $0 always | $0 always |
| Advance interest | 0% | 0% | 0% |
| Credit check | None | None | None |
| Crypto trading fees | 1% per trade | 0% | 0% |
| Crypto assets supported | 30+ | 30+ | 30+ |
| Card cashback rate | 0.5% flat on every swipe | 0.5% flat (uncapped) | 0.5% flat (uncapped) + 3% crypto cashback |
| Cashback cap | $10/month | Uncapped | Uncapped |
| P2P transfers (universal · every tier) | Unlimited · instant · free | Unlimited · instant · free | Unlimited · instant · free |
| Gig-platform auto-sync | All 8 platforms | All 8 platforms | All 8 platforms |
| Lifetime tier | N/A | $199.99 once | $1,599.99 once (web only) |
You drive part-time, you advance once or twice a month at most, and you don't need a savings goal. The Free tier covers the basics with zero strings.
Pick: Free
You want the lowest-friction way in. Try Pro free for 3 days, then $5.99/week. Cancel anytime — perfect if you want to test Pro before committing to monthly or annual.
$5.99 / week with a 3-day free trial · web & App Store
You're testing Pro for the first time after the 1-month claim, you want flexibility to cancel, or your earnings vary and you'd rather not pre-pay a year.
$9.99 / month on the web · $13.99 / month in the App Store
You drive 4+ days a week and know Kronos will be your daily driver for at least the next year. Annual saves about 17% — two months free vs. monthly.
$99.99 / year on the web · $139.99 / year in the App Store
You're going long on gig work, you hate recurring charges, and you want to lock in today's price before the cap fills. Pays back in under 2 years vs. annual.
$199.99 once on the web · $279.99 once in the App Store
You're a high-volume driver, multi-app pro, crypto-heavy user, or frequent traveller. You want 41 Amex-style perks — all 8 AI trading strategies (incl. Kronos Engine), 4.5% APY, 3% crypto cashback, 24 lounge passes/yr, CLEAR Plus, hotel status, $2,500 advances, metal card, and more.
$59.99 / month · $599.99 / year · $1,599 for life (web only) · see all perks →
Yes — the Free tier is free forever. It includes advances up to $250 based on your gig earnings, basic cashback (0.5%, capped $10/mo), and unlimited / instant / free P2P sends. You only need Pro if you want larger advances ($1,000), zero crypto fees, 2.5% APY savings, or uncapped cashback.
Weekly (lowest-friction, both rails): $5.99/week with a 3-day free trial. Try Pro free for 3 days. Then $5.99/week. Cancel anytime.
On the web (getkronos.io/pro): $9.99/month, $99.99/year, or $199.99 lifetime — paid by debit card or bank transfer (Astra). This is the cheapest non-trial way to get Pro.
In the iOS app (Apple ID): $13.99/month, $139.99/year, or $279.99 lifetime — paid through your Apple ID. App Store prices are higher because they include Apple's processing fee.
Same Pro features either way. All prices in USD.
Yes — two options. Anyone can start the new Pro Weekly plan with a 3-day free trial at /pro/checkout?plan=weekly — try Pro free for 3 days, then $5.99/week, cancel anytime. Pre-launch waitlist members can also claim 1 month of Pro free at /claim-pro. After the 1-month claim ends, Pro auto-renews at $9.99/month (web) or $13.99/month (App Store) unless you cancel. You can switch between weekly, monthly, annual, or lifetime at any time.
If you subscribed on the web: log in to getkronos.io/pro/manage and cancel anytime. Cancellation takes effect at the end of your current billing period.
If you subscribed in the app: open iPhone Settings → [your name] → Subscriptions → Kronos Pro → Cancel Subscription. Cancellation takes effect at the end of the current billing period.
No fee to cancel, no minimum commitment. Cancel at least 24 hours before the trial ends to avoid being charged.
No — Kronos performs no credit checks for either Free or Pro. Web subscriptions are charged to your debit card or bank account; App Store subscriptions are billed through Apple ID. Your advance limit is determined by your gig-platform earnings, not your credit score.
The free Pro period ends and the monthly subscription begins — $9.99/month if you upgraded on the web, or $13.99/month if you subscribed in the app. You'll get a renewal reminder before the first charge. To avoid being charged, cancel at least 24 hours before the trial ends. (Note: the new Pro Weekly plan has a separate 3-day free trial that converts to $5.99/week if not cancelled.)
Every Pro feature, forever, for a one-time payment — $199.99 on the web or $279.99 in the App Store. No recurring billing, no renewals, no price increases. The tier is capped at the first 5,000 founding members — once filled, it will not be reoffered. Includes a founding-member badge and priority feature-request access by email.
For most full-time gig drivers, yes. A single $500 advance saves you ~$35 in NSF fees vs. a typical bank overdraft. A driver spending $400/month on gas earns ~$24/year in extra cashback on Pro vs. Free. Pro pays for itself within ~6 weeks of normal use for an active driver.
Yes — pass-through coverage up to $250,000 per qualified beneficiary, via HiFi's regulated banking partners (HiFi is our USD ↔ stablecoin on/off-ramp partner at hifi.com). USD on Kronos is held as USDC stablecoin and settles to FDIC-insured partner banks on the dollar leg. Crypto held in your Kronos wallet is non-custodial — you own the keys. Crypto is not FDIC-insured, but it also can't be frozen by a third party. See our security page for the full breakdown.
Auto-renewal. Kronos Pro Weekly, Monthly, and Annual are auto-renewing subscriptions. Pro Weekly includes a 3-day free trial and then renews at $5.99/week (web & App Store) until you cancel. Web Monthly/Annual subscriptions renew at $9.99/month or $99.99/year and are charged to your saved debit card or bank account via Astra. App Store Monthly/Annual subscriptions renew at $13.99/month or $139.99/year and are charged to your Apple ID. Lifetime ($199.99 web · $279.99 App Store) is a one-time payment with no auto-renewal.
How to cancel. No fee to cancel, no minimum commitment. Web subscribers: manage and cancel at getkronos.io/pro/manage. App Store subscribers: open iPhone Settings → [your name] → Subscriptions → Kronos Pro → Cancel Subscription. Cancellation takes effect at the end of the current billing period. To avoid being charged at the end of the free trial, cancel at least 24 hours before the trial ends.
Refunds. Web purchases: refund requests within 14 days handled by Kronos support at [email protected]. App Store purchases: handled by Apple under their standard refund policy — request via reportaproblem.apple.com or support.apple.com/HT204084. Kronos cannot issue refunds for App Store transactions directly.
Disclosures. Kronos is a financial-technology product, not a bank. Banking services provided by partner institutions; deposits FDIC-insured up to the applicable limit through partner banks. Crypto, advance, and savings products subject to eligibility and applicable terms. Prices in USD; international Apple App Store pricing may differ per Apple's local pricing tiers. See Terms of Service and Privacy Policy for the full agreement. Machine-readable: /pricing.md.