cred.ai reviews

the old system says you’re a number, but life is priceless. here’s what happens when people stop listening to their bank and start living on their own terms.

cred.ai

4.8 out of 5
6.3K Ratings
blackmobilebgnew

Awesome card!

Great card to have another tool and a very strong one Not to mention the beautiful metal card!

Pretty good but wish I had more options

I wish I was able to adjust my debit card information more easily and manage that part of my account.…

This card is so convenience

It’s so nice to be able to build credit without having to worry about messing things up. The UI is…

Not a waste of time

That review that says waste of time is a lie. Never asked me for any of the stuff they say…

Been a reliable card for me.

I am able to control my spending habits with the benefit of increasing my credit score. The app is also…

Solid Debit Card

Recommended.

Credit Optimization

Wonderful tool-Elegant design. Practically indestructible card. I can break anything!!!

Lo mejor de lo mejor

Excelente tarjeta, fácil de usar me gusta que tenga una tarjeta virtual y otra física con diferente número veo con…

So helpful with credit!

I’m a graduating student, and got an amazing interest rate and quick financing approval on my car due to this…

Regular names please

I wish they would at least put what each feature is instead of their futuristic names they use for everything.…

It’s greaaaat!

Great banking app. Works great and helps your credit!

Best card to build credit

I’ve drastically helped my credit score by using this card. Best card I’ve ever had as far as that goes

Solid app for a great product!

I’ve been using cred.ai in place of my traditional credit card accounts for over two years now; everything from online…

WOW!!

I only put 5% of my paychecks n this account and used the debit card regularly for small purchases and…

Cred Ai is THE BEST!

Been using about 2 years now and nothing beats the card. Boosted my credit score 25-30 points in about 2…

Better than your Bank

Want to fix your credit and have a cute card to start conversations? This is the card to use for…

Metal card

The card is made of the cheapest and thinnest metal I thought it was still plastic lol

Dope card!

Easy peasy to use and you can set up instant deposit from another account.

Perfect Card

Not only is this card allow $1500 as an initial line of credit for like $250 $300 maybe even Lower.…

Safe and Easy

I’m happy to have this savings/ checking side account

So far so good

The app interface is the best I e seen. Creative,”thinking outside of the box”design.

Best credit building card and bank account!

Incredible experience. Best interface I’ve ever seen. Went from a debit card to cred.ai and now have almost 800 credit…

A+ Service

I absolutely love my Cred.ai Card, the interface is really cool, I really love logging onto this app at the…

Trustworthy

I’m always afraid things like this are gonna be shady and ef me over somehow but I’ve been using cred.ai…

Best debit card out there

This is the best debit card out there for helping build your credit it

One flaw

The one flaw is depositing checks, direct deposits is eligible for flux compaciter but not a check I deposit? I…

Great help

This is awesome

Cred AI 🔥

Cred AI got my credit score up from 580 to 630 in less than 2 weeks. Great app and they’re…

Everything is for real

Lightning speed compared to everything else. I can. Now I send all my payouts to this card because it’s fastest…

Best credit card ever.

If you need an efficient and high tech credit card, look no further.

❤️

You make me happy

Great!

Love it

Absolute awesome!

I like because help me a lot with my credit, I won’t never change

Great app

Absolutely the best

Very cool

Great options nice interface nd it builds your credit !

CRED.ai Is Better Than Your Bank

Let me start off by saying: I'm 31 years old, and I have been banking with the same credit union…

The best bank in the universe. Email me if u disagree 🇺🇸

🇺🇸🇺🇸🇺🇸🇺🇸🇺🇸

No add fee Best international transactions

I think this card gives you one the best international transaction rates and security. No additional fee . And helps…

Love This Card

Just opened mine. Took less than 3 mins. Already used my digital card!

Highly Recommend

Love Cred, it’s easy to use and ultimately raised my credit. I like the protection it provides while still helping…

Limited

I was so psyched on this. I still think it’s pretty cool but I was hoping to pay a lot…

Cred.ai

Great tool

Works internationally

Forgot my credit card in the states and had the unicorn card stashed away, absolute lifesaver

Love

Just needs Zelle and a savings account then this would be perfect

Great Card zero fees and i load money whenever also helps with my credit really great free product

Great

So close to 5

It would be 5 stars but the app won’t let you use your debit card to make instant deposits, it…

Great card with room for improvement.

Definitely does what it says. Id say at month 2 or 3 you will notice a change in your report.…

Time delays.

I made a deposit on Thursday and still I have no spending power on this day

Just started

Cautiously funding with two banks, my gig business debits. I can not yet get it to be a spending source…

Crazy Good App — Referral system is trash

This app definitely has helped my credit tremendously. In the first month, my score went up 25 points. I’m looking…

Great features

The app has a lot of function and utility built in but the interface is not terribly intuitive. Some things…

Make the switch

Like the title says, I’d recommend this banking service to anyone of my friends still using debit cards. The options…

Amazing App!

I’m still waiting on my physical card but the stealth one works just fine with apple pay. W app!

Roland Roley

I love just would like for you to be able to deposit your money sooner

awesome

thank you

Next level!!

Love this card! Love the look, the feel and everything about how it works and helps my credit! Whoever came…

Not reporting

Had this card for two months and still not reporting to any of the bureaus. Not sure what to think…

Great card but, needs more credit card features!

This app is fantastic, but it would be amazing if it had a high APY interest above 4% for checking…

I can’t even sign up.

So I got my phone and number from a company called q link wireless and gave me a number that…

Excellent

I recommend it!

Change please !?

Could you change the auto reload option on the iOS app. Allow us to customize the auto amount instead of…

Awesome bank!

Awesome bank and card

My bank was not compatible with this app.

When will your app be compatible for more banks? My bank was not supported.

Best card ever!

This is amazing I have raise my credit score 200 points in one year. Thank you!

So far so good

My primary bank uses Mastercard, with this card I can use Visa which is great for traveling.

My favorite banking app

This is my favorite banking app because of all the features for a free app with hardly any fees. I…

Surprisingly not too good to be true

Seems to be very scammy but it’s not. It’s dope. It’s helped me get my credit in check after years,…

Mind blowing awesome Credit Card app!

Dude this app is not boring and hard to use like big banks. Instead it’s cool design and ease of…

Great service

Great service only complaint is the loading animations for the app that makes it take a long time to login

No issues so far

My experience has been good so far. Had my direct deposit setup, received my paycheck and have charged things with…

Cool beans

Great user interface and so far seems like a great alternative to the big bank. Always seem to have proems…

GREAT SUCCESS!!

I was never interested in a real credit card because debt is slavery blah blah blah, I figured a credit…

Awesome card, very easy to use

I recommend it.

Card is awesome

Nothing more, the card is great

Awesome card

I got this card about a year ago. I am 20 never been on my parents credit. Currently my credit…

Very Impressive

Absolutely love this. The idea of building your credit but also use as a debit with all of the other…

Can’t be ran as debit

The only issue I have is the card isn’t a debit card so you can’t get third party deposits instantly.…

Stealth card issues

Stealth card not working. Everything else is good

Love cred.ai

Recently had to contact customer service about my account, they were very quick to help and the guy was very…

Highly recommend!

This metal card is fantastic. Since using it, I established credit and my score went up 100 points. You are…

Wow

Awesome CC finally arrived

W O W

This card is unbelievable. I will never use any other card or a bank.

Not sure as to why

So I see lots of 1 star reviews. So far I have been using this for 5 months and have…

Option for adding money instantly

Great card, does what it’s supposed to do ! Only feature I would like to see is if the team…

Mr. D

A neat and novel approach to helping build credit! Great security as well!

Credit went up 20 points after the first three weeks!

Credit went up 20 points after the first three weeks! Can’t wait to see the results after three months.

LOVE it

Banking made easy..!

My fav

I love having an account with Craig AI the debit card the way it works is awesome

Worth it

This along with a low balance card will have you score jumping

Best app ever

So far I thought this app was too good to be true when I started using it I immediately saw…

From poor to good credit

I had to write a review just because of how much it helped me. I had experienced identity theft and…

ABSOLUTELY AMAZING

I wish there were more stars to give. So many apps promise so much garbage but this app amd this…

legit

Mid twenties, hard to build credit with no credit u less u do loans, Didn’t want that, found this app,…

Amazing

This truly has helped me with rebuilding my credit. Which I’m truly greatly for. I absolutely would recommend this app…

Issues

The app keeps saying my debit card has been unlinked, but won’t let me link it again with the updated…

Thank you!

I needed this and have been looking for something like this for too long.

Very good but app is a little clunky

Have had a good experience with cred.ai but PLEASE for the love of god get rid of the splash screen…

what are you waiting for?

I’ve been recommending CredAI to everyone I meet - waiters, Lyft drivers, random people on the street 🕺🏾… my credit…

Pretty good overall

I love the app so far. I am having an issue with getting monthly statements from past months, it only…

MAJOR FICO SCORE INCREASE

Can’t believe how much my credit score has increased since using Cred. Unbelievable!!

Awesome

Getting this card was the best decision I made for my credit. It allowed me to establish credit without getting…

Easy To Use App

Since I’ve just started using the app and using my card, so it’s way too early to see if this…

Good so far

Only thing I don’t like is how long it takes to transfer from bank account to Cred.Ai card

Amazing app

Every encounter with customer service has been great I love the app and everything about it

A MUST HAVE

Ok, so I have ( Had) no credit like I was a Zero when I pulled my credit and credit…

What stealth card

For some reason I’ve never been able to access/use my stealth card. I’ve update my phone and app to their…

I love love love cred.ai

I’m so happy I came across this app. I was bored and looking through the App Store and came across…

This is the future

Amazing no words to describe how cool this is. Don’t want to tell my friends about it I want the…

As good as a credit building card can be!

Absolutely genius and fast working. My credit shot ip in 60 days.

Cred.ai is pure awesomeness!

What if you decided to design a whole new credit/debit card from a clean slate? You could take advantage of…

First time

I just recently added money to my Cred.ia account. I’m hoping for good things! Im sure to have another review…

*ALMOST* Better Than My Bank

Cred.ai is a customer first bank that has some of the most innovative features I’ve ever seen. The stealth card,…

Service

You guys did exactly what you said you were going to do! Love this app!

Wave of the Future

Outstanding service! Looking forward to a long-standing and productive relationship.

Phenomenal app

Give it a shot, trust me. This app, this company, has done wonders for my credit and all in fairness…

AMAZING!!

I’m one that usually reads reviews but not post. This app is amazing! I signed up for it and received…

The Future

I love everything about the card and app. Stealth card is an amazing new feature. Also love the physical card…

Amazing!

I’m not sure what this card does for me exactly, but I was recommended this service by a Credit Repair…

WHAT ARE YOU WAITING FOR GET IT!!

Ok let me first start by saying I don’t ever (EVER!) do reviews on apps I download but this is…

Get it!!!

This legit raised my fico score 62 points. 684 to 746 within a month :0 The metal card is a…

Please remove the long intro

Literally great all around if they’d just remove the 5 second intro everytime you launch the app

Amazing!!!

Not even exaggerating after Cred.ai reported to my credit b bureau for the first time my credit score went up…

Not sure where to start...

Sooooo, where do I begin. Since I opened an account with cred.ai my credit score has gone up almost 50…

Great product, could be better

This is a great bank, and love the credit feature. It has helped me a lot. I would really consider…

This card is amazing

I received my card about a year ago, after signing up it came in mail within days! As a bonus…

Thanks Philip DiFranco!

This card has helped me build my credit, it’s my favorite card!

Revolutionary

Unbelievable card that makes purchasing and gaining credit so easy. Additionally, the stealth card feature is so easy to use…

Build up this

CREDIT

Incredible card and app

Just replaced my debit card from BofA with cred.ai. Incredible product. My credit score is approaching 800. Sick features and…

1k credit line

Don’t listen to the bad reviews. Reported 1k credit line to all Credit bureaus

Louie from MA,

Great card

5 stars

I really like Cred.ai

Best Credit Card

This card is sick! My credit score is a rocketship. 🚀🚀 755 and growing! To the moon!! Pretty good for…

THE GOAT OF ALL CARDS!

Sick product. Unboxing of metal card was unreal. Used an old dinky debit card before I heard of CRED.ai. Honestly…

BEST CARD AND BANK PRODUCT EVER!!

See ya old bank debit card! Hello CRED.ai and my sick new Metal Unicorn Card. This is the new way…

Awesome!!!

Best F’in bank product out there. My credit score went up 100 points. Love cred.ai. Been a customer for a…

Atomic Fusion Banking

This is an exciting journey that I have started with cred.ai . I am impressed with introduction video and the…

Built Credit

Don’t use more than 10%

Good

Waiting for it to Report to see what’s up but can’t complain

Ig-Reezy302

If you have given this app anything less than 5 stars you don’t understand finance and the power your given

This is THE ULTIMATE CARD to have!!!!

I would love to thank all the Creators of this card. This is the best card too have in your…

In LOVE!

A metal card feeling is Luxurious to have. The real benefit is funding and using your own credit card WITHOUT…

Awesome

I enjoy the versatility of my account and the fact that my credit score went up 12 points was indeed…

Cred.ai

I love Cred.ai card however I wish they gave credit limits to establish better credit.

Game changer

Finally a card for all credit types with absolutely zero fees! Yes, the app takes a little getting used to,…

Amazing Card!

Backed by the incredible John Legend, this card is absolutely mind-blowing! My credit rating has gone from “poor” to “good”-…

Eat credit builder!!!

I love this

i can’t even put words to the impact cred.ai has had on my life...

i tried to find a platform that would enable this review to reach an extensive, wide-spread, far-reaching audience that’s comprised…

Game Changing App

The Cred.ai app is very easy to navigate. I am easily able to deposit money into the account. I have…

Love the concept

Hope more companies follow suit

Beware cashapp , QuadPay Afterpay

This card is recognized as a “ credit “ card and with cashapp you will pay a fee for using…

My Credit Line Has Been Reported To My Credit File

Wonderful App I Have Now Increased My Credit Just From Opening a Bank Account Let’s Go!

Yes, it works and works gooood dude

I got the Unicorn Card for only 1 reason: “build my credit score”. For some weeks I felt completely frustrated…

Well made

This is probably the best app design I’ve ever seen. I though Robinhood had a nice interface but cred.ai raises…

Beautiful

Seriously great app design. Hope it gets adopted by a lot of people. I see 0 advertising or anything though,…

Not what I expected

Super easy app to use, it’s structured super nicely and the card is amazing. I love the metal weight and…

Excellent!

I was so happy to get approved and it’s my first metal card and I love it!!! I haven’t seen…

Great new card!!

I love the card, I love the app. The one thing I would like to see is a widget for…

Amazing card

Amazing card ..looks Greta ans the app is the best banking app out there ...supper easy to use and detailed…

Definitely the best

So far I’ve had no issues. The app is super easy to use. My entire family has their own card…

It’s really a no-brained

Like a dunce, I went through my 20s giving little to no thought about my credit. Eventually, I found myself…

An Amazing App & Card

I can’t tell you how pleased I am with the functionality of this app & card. Just the mere fact…

Amazing

Been using since 2020. App works as intended. Feels like the future. Can’t wait for more features to come!

best card!

love this card! the app is easy to use and lots of great features within. i love that it helps…

Excellent!

$$$

A dope A** credit card.

Really enjoy the features and security of my cred card. Only downside is that I don’t get rewards like I…

Excellent App. Wish I can get an invite.

This is a really good concept and the app. Metal card on top of that is icing on the cake.…

Easy and amazing baking app anyone can use

This app has an amazing layout and it’s so much more than a “normal” bank app. There is so much…

The Future is Here!

I just got my new Black metal card and I love it! The App is very simple to use and…

Stunning & Innovative

Awesome app, awesome product, awesome feel. The CredAi team did not overlook the smallest details. The app changes how I…

Very cool and useful

Love the cred ai card and app. Super sleek interface and ability to have an online stealth card is fantastic.

High Tech Spending Card

Cred.ai is a Unicorn VISA that allows you to earn rewards through purchasing. The app is very innovative and has…

Incredible app. Unicorn card is off the charts too!

This is the most beautifully designed banking app and card product. No person should ever use a debit card again!!…

Amazing Card and App

This app is extremely easy to use and makes managing my finances super easy. As a college student, I love…

Fantastic banking app

This a great app that is easy to use. I really enjoy all of the easy to use banking features.…

This app is changing the game!

I’ve been using this app for a few weeks now and have love it so far! Lots of cool features.

Welcome to the revolution

Empowerment + transparency + coolness all on your phone. Yup. Awesome.

Best card product ever!

I came across cred.ai when I read the great article in Fast Company. Then I saw the coverage from CNBC…

Great tool for financial wellness

Very easy to use. Love the slick animations. Feels like a premium credit card without the crazy fees.

DOPE!

I wanted a credit card for the longest time but always had a fear of going into debt and paying…

Making Elon Proud

The “Tesla of Banking” is so accurate! Cred is changing the banking game and I’m here for it.💁🏻‍♀️

Cred.ai

Best credit card service available today including a Stealth option.

Amazing app

App works amazingly and the interface is excellent. There are so many awesome features, first the stealth card is awesome.…

Awesome Card and App

Love the card and app. The ability to use an online stealth card that changes weekly is a huge plus.…

🦄🦄🦄🦄

friends roommate knew someone to get me an invite code, love everything about you guys, i am officially lighting my…

Love my cred.ai card

cred.ai is the best card product and app I’ve ever used. I was lucky to get an early invite. The…

Fantastic new card and banking app

Love the new Cred.ai cars and app. The card couldn’t be easier to use and helps build credit without fees.…

get the app now

on mobile go to cred.ai/download or scan the code below

find it in the app stores

view the code through your phone’s camera
app and click the link that appears.
click the  X  or “esc” to close.