cred.ai Pro
Finance
Only for iPhone
Free
iPhone
cred.ai Pro is a custom VIP experience available exclusively to employees and members of select large organizations and employers.
Replace your debit card with cred.ai Pro. Premium stealth cards, cutting edge tech, and automatic credit optimization.
Setup direct deposit, access your paycheck early**, and spend on a high-tech card loaded with exclusive features like check please, repeat defender, and friend and foe. You can also use self destructing digital cards when you give your card info over the phone, for late night online shopping, or random “free” trials. Just Regenerate them when you feel unsafe.
Spend like you're using a debit card, while automatic credit optimization makes you look like a credit rockstar*.
Connect other banks and fintechs, deposit checks, get cash at 55k+ free ATMs***, with 24/7 support, and you're guaranteed you'll never pay fees or interest.
Only members or employees of select specific organizations will be able to use the cred.ai Pro app.
Ask your supervisor or organization's HR department about how to get access to cred.ai Pro.
If you are not a member or employee of an organization with access to cred.ai Pro, you can download the public cred.ai app by visiting cred.ai/app.
†cred.ai is a financial technology company, not a bank. The cred.ai Deposit Account is provided by WSFS Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at WSFS Bank, Member FDIC, if certain conditions have been met.
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.
* 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 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.
© 2025 cred.ai. All Rights Reserved.
Our latest update contains minor bug fixes and performance improvements.
The developer, CRED Technologies LLC, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
- Purchases
- Financial Info
- Contact Info
- User Content
- Identifiers
- Usage Data
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- CRED Technologies LLC
- Size
- 247.2 MB
- Category
- Finance
- Compatibility
Requires iOS 14.0 or later.
- iPhone
Requires iOS 14.0 or later. - iPod touch
Requires iOS 14.0 or later.
- Languages
- English
- Age Rating
4+
- 4+
- Copyright
- © 2024 cred.ai