cred.ai

3.2
721 reviews
100K+
Downloads
Content rating
Everyone
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About this app

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 interest, never overspend, build credit automatically*, and spend your paycheck early**, with cutting edge tech you can’t get anywhere else like Check Please™ and Flux Capacitor. 100% mobile, 24/7 support, real-time control, and virtual Stealth Cards™ active instantly upon approval. Applying does not impact your FICO score, and a FICO score is not required to apply.

cred.ai currently requires an invite code to apply. You can request an invite code via the app or at www.cred.ai.

•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 interest and never overspend, and automatically manages your balances to optimize your credit utilization. Spend like you’re using a debit card, and build your credit* like a pro.

• 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 •
The Unicorn Card 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.

• the card you carry is metal, but stealth 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.

• 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.** Get cash at over 55,000 free ATMs*** 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.

• boring but true •
○ cred.ai™ Guaranty to Never Pay Interest Or Fees
○ 24/7 Phones Answered By Humans
○ 55,000+ Free ATMs***
○ Deposits FDIC Insured Up To $250,000
○ We Will Never Share Your Data
○ PCI DSS and EI3PA Certified

*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.

**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.

***You can locate free ATMs 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.

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.
Updated on
Jan 4, 2024

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info, Financial info, and Device or other IDs
This app may collect these data types
Location, App activity, and App info and performance
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

3.2
696 reviews
Michael White
February 17, 2024
The initial setup can be a bit of a challenge to navigate especially if you have a credit union or bank that doesn't work with plaid but if you read carefully and utilize their support assistance this app and credit card arrangement is pure genius. Been using for over a year now, even internationally, and it is very slick. Highly recommend Cred.ai!
1 person found this review helpful
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I Taylor I
October 5, 2021
3 Stars: too much bloat and one bug... The news feed at the bottom of the homepage had topics completely unrelated to the app, banking, or finance as well as a tab dedicated to the same stories. There are also 2 or 3 redundant buttons in different menus across the app for every single function. Lastly, the app forgets biometrics often and has to be reset. Other than those few gripes, the app has worked well so far. The deposits truly are instant and all security features work well.
34 people found this review helpful
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Ashley Andrews (Ash)
August 27, 2022
The way it increases your credit is wonderful. But the app is awful. It was fine in the beginning, just a lot of news and heavy update sizes. But now I never am able to see my balance. It just has three dots that never change. I have Uninstalled and reinstalled the app, but it didn't fix the issue. I have used different internet connections, but this is the only app that never seems to show the balance anymore. It loads up quick, just only shows the three dots. Kinda sucks.
45 people found this review helpful
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What's new

Our latest update includes minor bug fixes & performance improvements.