BON Credit
AI debt coach for credit cards
Only for iPhone
Free
iPhone
AI-powered debt payoff plans. Connect your cards, get a personalized roadmap in 1 minute. Join 2,000+ early users. Free to use.
The First AI Debt Coach That Actually Tells You What to Do
Most apps show you your debt. BON Credit tells you exactly how to pay it off faster.
Connect your credit cards. Get a personalized AI plan in 2 minutes. Know exactly which card to pay first, how much to pay, and when you'll be debt-free.
HOW BON CREDIT WORKS
1. CONNECT YOUR CARDS (2 minutes)
Link your credit cards securely through Plaid (trusted by 8,000+ financial apps). BON Credit instantly analyzes your balances, interest rates, and due dates.
2. GET YOUR AI DEBT PLAN
Our AI analyzes your situation and creates your personalized roadmap:
- Which card to pay first (to save the most on interest)
- Exactly how much to pay each month
- Your debt-free date
- Balance transfer opportunities if you qualify
- Consolidation loan options for your credit profile
3. DAILY COACHING + REMINDERS
BON Credit sends smart reminders before due dates, catches opportunities to refinance, and answers your money questions 24/7. Ask anything: "Should I pay off Card A or Card B first?" "Am I eligible for a balance transfer?" "How do I improve my credit score?"
WHY CREDIT CARD DEBT IS SO HARD TO PAY OFF
The average American with credit card debt owes $8,000+ across 3-4 cards, each with different interest rates, due dates, and minimum payments.
Most finance apps fail because they only show you the problem - not the solution:
- Budgeting apps track balances but give no payoff strategy
- Credit monitoring apps suggest new cards but don't coach you through debt
- Banking apps track spending but won't tell you which debt to tackle first
The result? You make minimum payments for years while interest piles up.
WHY BON CREDIT IS DIFFERENT
BON Credit doesn't just track. BON Credit strategizes.
- Prioritizes your cards mathematically (highest interest first, or snowball method - your choice)
- Finds balance transfers and consolidation loans you actually qualify for
- Adjusts your plan automatically when life changes (bonus, rate increase, unexpected expense)
- Rewards you for staying on track
It's like having a financial advisor who specializes in debt - except it's free and available 24/7.
WHAT YOU GET (100% FREE)
- AI debt analysis in 2 minutes
- Personalized payoff plan with your debt-free date
- Smart payment prioritization (avalanche or snowball method)
- 24/7 AI coach for money questions
- Payment reminders before due dates
- Balance transfer and loan finder
- All credit cards in one dashboard
- Bank-level security (256-bit encryption, GDPR certified)
No hidden fees. No subscription. No credit card required to download.
WHO BON CREDIT IS FOR
You have credit card debt and:
- You're making minimum payments but the balance barely moves
- You're juggling 3+ cards with different due dates
- You don't know which card to pay first
- You've tried budgeting apps but still don't have a debt payoff strategy
- You want accountability and coaching, not just tracking
If you have credit card debt and want to pay it off faster, BON Credit is built for you.
HOW IS THIS FREE?
BON Credit makes money the same way credit monitoring apps do: when we help you find a better credit card, balance transfer, or consolidation loan, the bank pays us a small commission.
We only make money if we save you money. No subscriptions. No fees ever.
YOUR DATA IS SAFE
- Bank-level 256-bit encryption
- GDPR certified
- Powered by Plaid (trusted by 8,000+ financial apps)
- We never sell your data
- Your bank credentials are never stored
As secure as your banking app.
NEW TECHNOLOGY, PROVEN APPROACH
BON Credit just launched our AI-powered debt navigation product. We're combining proven debt payoff strategies (avalanche method, debt snowball) with cutting-edge AI to personalize them for your specific situation.
Join 2,000+ early users testing the first AI debt coach.
NEW: AI-Powered Debt Navigation
We just launched the feature our early users have been asking for:
DEBT PAYOFF PLANS
- Connect your credit cards and get a personalized payoff roadmap in under 2 minutes
- See exactly which card to pay first to save the most on interest
- Know your debt-free date based on your current payment capacity
- Choose avalanche method (highest interest first) or snowball method (smallest balance first)
AI COACHING
- Ask BON Credit anything about your debt: "Which card should I pay first?" "Should I get a balance transfer?" "How can I improve my credit score?"
- Get personalized answers based on YOUR actual cards and situation
- 24/7 availability - no waiting for human advisors
SMART OPPORTUNITIES
- Find balance transfers you actually qualify for
- See consolidation loan options matched to your credit profile
BUG FIXES
- Fixed Plaid connection issues
- Improved app stability and performance
- Faster card linking through Plaid
WHY WE BUILT THIS
2,000+ of you downloaded BON Credit for rewards and bill tracking. But you told us what you really needed: a clear plan to get out of debt.
Most apps just show you balances. We wanted to build something that actually helps you become debt-free.
This is just the beginning. We're adding new features every week based on your feedback.
Questions or feedback? We read every message: support@boncredit.ai
- The BON Credit Team
The developer, Bhim Digital, Inc., 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 Used to Track You
The following data may be used to track you across apps and websites owned by other companies:
- Identifiers
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
- Contacts
- User Content
- Usage Data
- Diagnostics
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
- Seller
- Bhim Digital, Inc.
- Size
- 67.5 MB
- Category
- Finance
- Compatibility
Requires iOS 15.6 or later.
- iPhone
Requires iOS 15.6 or later. - iPod touch
Requires iOS 15.6 or later.
- Languages
- English
- Age Rating
4+
- 4+
- Infrequent
Contests
Contains
Gambling and Contests
- Copyright
- © Copyright 2026 Bhim Digital, Inc.