you’re better than your bank

cred.ai is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card.

With the cred.ai  guaranty you never pay fees or interest1, never overspend, build credit automatically2, and spend your paycheck early3, with cutting edge tech you can’t get anywhere else.

or

*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.

cred.ai is a high-tech and premium everyday card spending experience, 100% mobile with a free metal card.

With the cred.ai  guaranty you never pay fees or interest1, never overspend, build credit automatically2, and spend your paycheck early3, with cutting edge tech you can’t get anywhere else.

"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"

With the cred.ai guaranty you never pay fees or interest1, never overspend, and build credit automatically2.

Use exclusive cred.ai tech like Check Please and Flux Capacitor, and get your paycheck up to two days early3.

100% mobile, 24/7 support, real-time control, and Digital Cards active instantly upon approval.

your new metal card is so fired up.

With the cred.ai guaranty you never pay fees or interest1, never overspend, and build credit automatically2.

Use exclusive cred.ai tech like Check Please and Flux Capacitor, and get your paycheck up to two days early3.

100% mobile, 24/7 support, real-time control, and virtual Stealth Cards active instantly upon approval.

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.

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.

cred.ai is a team of builders, scientists, artists, and hackers.

That’s why we have exclusive features like High Security Mode, Friend & Foe List, Digital Cards, Check Please, and Flux Capacitor.

This is the most cutting edge way to spend every day.

imagine if tony stark built a bank.

cred.ai is a team of builders, scientists, artists, and hackers.

That’s why we have exclusive features like High Security Mode, Friend & Foe List, Stealth Card, Check Please, and Flux Capacitor.

This is the most cutting edge way to spend every day.

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.

Digital Cards are for your more sketch transactions, like ordering pizza over the phone, corn sites, or signing up for free trials.

Regenerate Digital Cards when you feel unsafe, or use them in High Security Mode for ultimate protection.

Use your Digital Cards online, over the phone, and in person via your phone’s mobile wallet.

the card you
carry is metal.
your digital card
is bulletproof.

the card you carry is metal. your digital card 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

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.

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.

exclusive features

sign up now

apply now

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.

© 2024 cred.ai. All Rights Reserved.

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