Replace your debit card with .
Stealth visa cards, cutting edge tech,
and automatic credit optimization.2
Made for team members.

Never pay fees or interest guaranteed.1
Insured up to $250k FDIC coverage.
24/7 help. 55k+ free ATMs.4

 
 
replaces your debit card.
setup direct deposit, access your paycheck
early,3 and spend on a stealth visa card
loaded with exclusive tech features.

Spend like you’re using a debit card, while
automatic credit optimization helps make
you a credit rockstar.1

Connect other banks and fintechs, deposit
checks, get cash at 55k+ free ATM’s,4 with
24/7 support, and you’re guaranteed
you’ll never pay fees or interest.1
This experience is brought to you through a special partnership with and is only available to team members.

is only available to members of select large organizations, and is not available to the public.

high tech.
high heat.

high tech.
high heat.

1. Get your paycheck up to 2 days early.3
2. guard it with exclusive features.
3. spend it with a stealth visa card.
4. help optimize your financial future.2

safe &
secure
While credit optimization2
can help protect your future,
security tech, like 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.
RepeatDefender Scans and alerts you to patterns and recurring transactions. , and 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. Then gives you the power to stop unauthorized and fraudulent merchants in their tracks. , can
protect you against fraud today.

For example, you use self
destructing DigitalCards Special self destructing cards for your shady stuff, like giving card info over the phone, weird websites, or websites where you get weird. when you
give your card info over the phone,
for late night tiktok shopping, or
random “free” trials.

Getting an apartment, starting a
business, planning to buy a house,
saving thousands with lower rates…
credit always matters, for everyone.

get  your
guac  early

get  your
guac  early

gives you the option to
access your paycheck up to two
days early,3 and you never pay a fee.1
gives you the option to
access your paycheck up to two
days early,3 and you never pay a fee.1
is part of ‘s
Cultivate Me benefits program ➪.
‘s mission to Cultivate
a Better World starts with you.

cultivate
finance

 
 

24/7 live help.
FDIC insurance.
55K+ free ATMs.4
Never pay interest,1
never pay fees,1
guaranteed.1

It’s like a debit card with superpowers.

*Applying does not impact your FICO score,
and a FICO score is not required to apply.
**Only available to USA residents 18 and older.
Requires mobile device with iOS 13/Android 9 or higher.

call: 1-855-599-8587
email: chipotle@cred.ai
info: chipotle benefits ➪

is powered by cred.ai financial technology, and the automatic credit optimizer framework is the sole property of cred.ai. All rights reserved by cred.ai.

Use of Chipotle Mexican Grill trademarks herein is with the permission of Chipotle Mexican Grill. All rights reserved by Chipotle Mexican Grill.

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.

1. The 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.

2. cred.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.

3. Accessing 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.

4. You can locate free ATM’s using the FREE ATM finder located in your cred.ai Pro  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 Card Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty.

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