upgrade life. no catch. no fear.

upgrade life. no catch. no fear.

by clicking “get started” you agree to receive text messages from cred.ai

by clicking “get started” you agree to receive text messages from cred.ai

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.

*Applying doesn’t impact your FICO & FICO is not required.
**Only for USA residents.  Requires iOS 12+ or Android 9+ 

fluxcapacitor  is a time machine for your money.

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.

*Applying doesn’t impact your FICO & FICO is not required.
**Only for USA residents.  Requires iOS 12+ or Android 9+ 

"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"
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Of course cred.ai lets you get your paycheck early3.  That’s just the beginning….

Get exclusive tech features like checkplease and fluxcapacitor, a stunning free metal card, 24/7 phone support, instant issue digital stealthcards, automatic credit score supercharging2, and the guarantee to never overspend and never pay fees or interest1.

If you use a debit card, you should switch to cred.ai today.

“get paid early” is our most boring feature.

Of course cred.ai lets you get your paycheck early3.  That’s just the beginning….

Get exclusive tech features like checkplease and fluxcapacitor, a stunning free metal card, 24/7 phone support, instant issue digital stealthcards, automatic credit score supercharging2, and the guarantee to never overspend and never pay fees or interest1.

If you use a debit card, you should switch to cred.ai today.

giving credit where credit
is due.

Your metal unicorn card is a real credit card, but cred.ai automation and the cred.aiguaranty 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.
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Your metal unicorn card is a real credit card, but cred.ai automation and the cred.aiguaranty 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.

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

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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.

whitemobilebgnew
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.
the card you carry is metal, but stealthcard
is bulletproof.
the card you carry is metal, but stealthcard 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
blackmobilebgnew

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.

whitemobilebgnew

Access the spending power of your paycheck and other deposits up to two days before they even hit.3

Get cash at over 55,000 free ATM’s4, make instant deposits and mobile check deposits at no fee, and all deposits are FDIC insured up to $250,000.

Use Flux Capacitor to automatically protect yourself against future charges and withdrawals.

your bank should never be a piggy

Access the spending power of your paycheck and other deposits up to two days before they even hit.3

Get cash at over 55,000 free ATM’s4, make instant deposits and mobile check deposits at no fee, and all deposits are FDIC insured up to $250,000.

Use Flux Capacitor to automatically protect yourself against future charges and withdrawals.

cred.ai
exclusive
features
cred.ai
exclusive
features

show more

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

fluxcapacitor

show more

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

stealthcard

show more

cred.ai automation makes you look like a credit rockstar1, while you spend like you always have.

credoptimizer

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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.

checkplease

show more

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.

friend&foe

show more

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

friend&foe

show more

Deposit and access funds instantly, and never pay a fee or surcharge to do so.

instantdeposit

show more

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

highsecurity

show more

Features and easter eggs are released regularly, and we are venturing into some wild territory.

This is a puppy wearing banana pajamas.

comingsoon...

blackmobilebgnew

"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"

sign up now

or sign up via

boring but true

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.

© 2023 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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