view the code through your phone’s camera
app and click the link that appears.
click the X or “esc” to close.
replaces your debit card.
And when you setup direct deposit,
you can access your paycheck early,3
and get a free metal 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 a partnership with
and is only available to
employees.
is only available to members of select large organizations, and is not available to the public.
is only available to members of select large organizations, and is not available to the public.
power up
your bank.
power up
your bank.
1. Get your paycheck up to 2 days early.3
2. guard it with exclusive features.
3. spend on a stealth card or free metal card.
4. help optimize your financial future.2
safe &
secure
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.
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.
early pay
unlocked
early pay
unlocked
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
employee perks program,
to help team members rise
at work and thrive at home.
opening
new doors
24/7 live help.
FDIC insurance.
55K+ free ATMs.4
Never pay interest,1
never pay fees,1
guaranteed.1
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 Power Home Remodeling trademarks herein is with the permission of Power Home Remodeling. All rights reserved by Power Home Remodeling.
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.
© 2025 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.