get paid early

Of course cred.ai™ lets you get your paycheck early3, but 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, but that’s just the beginning….

*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.

"Move over Apple Card."

"The ‘Tesla Of Banking'"

"The newest fintech unicorn is a credit card"

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.™

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

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.

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.

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

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.

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

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

fluxcapacitor

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

stealthcard™

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

credoptimizer™

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™

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™

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

friend&foe™

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

instantdeposit™

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

highsecurity™

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

This is a puppy wearing banana pajamas.

comingsoon...

or sign up via

"Move over Apple Card."

"The newest fintech unicorn is a credit card"

"The ‘Tesla Of Banking’"