you’re better than your bank™

cred.ai™ is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card.

With the cred.ai  guaranty you never pay fees or interest1, never overspend, build credit automatically2, and spend your paycheck early3, with cutting edge tech you can’t get anywhere else.

or

*Applying does not impact your FICO score, and a FICO score is not required to apply.
**Only available to USA residents.  Requires mobile device with iOS 12/Android 9 or higher.

click here for crednews | the original content division of cred.ai  

cred.ai™ is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card.

With the cred.ai  guaranty you never pay fees or interest1, never overspend, build credit automatically2, and spend your paycheck early3, with cutting edge tech you can’t get anywhere else.

tap here for crednews
the original content division of cred.ai  

"Move over Apple Card."

"The newest fintech unicorn is a credit card"

"The ‘Tesla Of Banking’"

"Move over Apple Card."
"The ‘Tesla Of Banking'"
"The newest fintech unicorn is a credit card"

With the cred.ai guaranty you never pay fees or interest1, never overspend, and build credit automatically2.

Use exclusive cred.ai tech like Check Please™ and Flux Capacitor, and get your paycheck up to two days early3.

100% mobile, 24/7 support, real-time control, and Digital Cards active instantly upon approval.

your new metal card is so fired up.

With the cred.ai guaranty you never pay fees or interest1, never overspend, and build credit automatically2.

Use exclusive cred.ai tech like Check Please™ and Flux Capacitor, and get your paycheck up to two days early3.

100% mobile, 24/7 support, real-time control, and virtual Stealth Cards™ active instantly upon approval.

giving credit where credit
is due.™

Your metal unicorn card is a real credit card, but cred.ai™ automation and the cred.ai™ guaranty makes sure you never pay fees or interest1 and never overspend, and automatically manages your balances to optimize your credit utilization.

Spend like you’re using a debit card, and build your credit2 like a pro.

giving credit
where credit
is due.™

Your metal unicorn card is a real credit card, but cred.ai™ automation and the cred.ai™ guaranty makes sure you never pay fees or interest1 and never overspend, and automatically manages your balances to optimize your credit utilization.

Spend like you’re using a debit card, and build your credit2 like a pro.

cred.ai™ is a team of builders, scientists, artists, and hackers.

That’s why we have exclusive features like High Security Mode™, Friend & Foe List™, Digital Cards, Check Please™, and Flux Capacitor.

This is the most cutting edge way to spend every day.

imagine if tony stark built a bank.

cred.ai™ is a team of builders, scientists, artists, and hackers.

That’s why we have exclusive features like High Security Mode™, Friend & Foe List™, Stealth Card™, Check Please™, and Flux Capacitor.

This is the most cutting edge way to spend every day.

won’t break the bank, but could break a window.

That’s a solid, heavy, real metal card. Take it for a spin.

It weighs more than those other fancy black cards, but you don’t pay a fee to get it.

We think it’s the best looking unicorn themed free metal card on earth, but that’s just us.

won’t break the bank, but could break a window.

drag card to spin

That’s a solid, heavy, real metal card. Take it for a spin.

It weighs more than those other fancy black cards, but you don’t pay a fee to get it.

We think it’s the best looking unicorn themed free metal card on earth, but that’s just us.

Digital Cards are for your more sketch transactions, like ordering pizza over the phone, corn sites, or signing up for free trials.

Regenerate Digital Cards when you feel unsafe, or use them in High Security Mode™ for ultimate protection.

Use your Digital Cards online, over the phone, and in person via your phone’s mobile wallet.

the card you
carry is metal.
your digital card
is bulletproof.

the card you carry is metal. your digital card is bulletproof.

Stealth Card™ is for your more sketch transactions, like ordering pizza over the phone, corn sites, or signing up for free trials.

Regenerate Stealth Card™ when you feel unsafe, or use them in High Security Mode™ for ultimate protection.

Use your Stealth Card™ online, over the phone, and in person via your phone’s mobile wallet.

original content from crednews™

crednews™ is a team of award winning journalists producing original content about topics we think are important.

Why would a fintech make documentaries about UBI and psilocybin? Because we can.

original content from crednews

crednews™ is a team of award winning journalists producing original content about topics we think are important.

Why would a fintech make documentaries about UBI and psilocybin? Because we can.

fluxcapacitor lets you get your paycheck early3, and a whole lot more.

Beyond just paychecks, it gives you early access to the spending power of almost any inclearing ach deposit3.

It can also detect and react to inclearing debits before they happen. Know on Wednesday what your utility company will charge you on Friday.

Never pay a fee for the feature. Turn off any part of the feature at any time. You have the control.

fluxcapacitor  is a time machine for your money.

fluxcapacitor lets you get your paycheck early3, and a whole lot more.

Beyond just paychecks, it gives you early access to the spending power of almost any inclearing ach deposit3.

It can also detect and react to inclearing debits before they happen. Know on Wednesday what your utility company will charge you on Friday.

Never pay a fee for the feature. Turn off any part of the feature at any time. You have the control.

exclusive features

flux
fluxcapacitor
Flux Capacitor lets you access the spending power of future deposits, and budget for future charges, before they even happen.
credit
credoptimizer

cred.ai automation makes you look like a credit rockstar

stealth
digitalcard

Special self destructing cards for your shady stuff, like giving card info over the phone, weird websites, or websites where you get weird.

check
checkplease

Eliminates the embarrassment of getting your card declined for no reason at significant events, whether it's an important business meeting, or an "important" tinder date.

friend
friend&foe

Transactions with merchants you love and trust get approved even when things go wrong, so your lights stay on even when your card is off.

foe
friend&foe

Gives you the power to stop unauthorized and fraudulent merchants in their tracks.

high-secure
timermode

With high security mode you eliminate fraud by creating tiny self expiring authorization windows, on your physical card or stealth card.

future
repeatdefender

scans and alerts you to patterns and recurring transactions

sign up now

or sign up via

or sign up via

boring but true

  • cred.ai™ Guaranty to Never Pay Interest Or Fees
  • 24/7 Phones Answered By Humans
  • 55,000+ Free ATM's4
  • Deposits FDIC Insured Up To $250,000
  • We Will Never Share Your Data
  • PCI DSS & EI3PA Certified

contact 

info

The cred.ai Deposit Account is provided by Wilmington Savings Fund Society, FSB (“WSFS Bank”), Member FDIC. The Unicorn Card credit card is issued by WSFS Bank pursuant to a license from Visa® U.S.A. Inc. and may be used everywhere Visa® credit cards are accepted.

© 2024 cred.ai. All Rights Reserved.

1The cred.ai Deposit Account and cred.ai Services have absolutely no fees, and under the “cred.ai Guaranty” you will never pay fees or interest on your Unicorn Card. The Unicorn Card is able to help build credit because it is a real credit card with 17.76% APR on Purchases and 24.99% APR on Cash Advances. However, the cred.ai service manages your Unicorn Card payments automatically in the background according to the rules of the Unicorn Card cardholder agreement, to ensure you avoid being charged fees or interest. If the automated payment management fails for any reason, and you are charged interest or fees, under the “cred.ai Guaranty” found in the “cred.ai Services Amendment to the Deposit Agreement” that you agree to when you apply for cred.ai, cred.ai will cover that fee or interest charge on your behalf. Therefore, with the cred.ai Guaranty, you will never pay fees or interest on your cred.ai Deposit Account or Unicorn Card, guaranteed. 

2cred.ai cannot account for all variables in your financial life or changes to reporting practices. Increases or specific changes to your credit score are not guaranteed.

3Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date.

4You can locate free ATM’s using the FREE ATM finder located in your cred.ai mobile app. ATM withdrawals are cash advances against the Unicorn Card credit card, and while they are subject to the interest rates and terms outlined in the Unicorn Credit Card Agreement,  you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty.

5Based on an August 2021 analysis performed by cred.ai analyzing Experian Vantage credit score changes, a representative sample* of cred-ai users observed a median credit score increase of 90 points. cred.ai cannot account for all variables in a person’s financial life or changes to reporting practices. Increases or specific changes to a person’s credit score are not guaranteed. *The representative sample included cred.ai users who started using cred-ai in June 2021 and were considered to be “thin file” or “new to credit,” meaning these users did not have significant credit histories except for student loans, medical debt, or home mortgages.

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