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.
•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.
Our latest update contains minor bug fixes and performance improvements.
Ratings and Reviews
WHAT ARE YOU WAITING FOR GET IT!!
Ok let me first start by saying I don’t ever (EVER!) do reviews on apps I download but this is a game changer. First of all they send you a really cool looking metal card! But everyone that gets this app wants to start building or rebuilding credit. I signed up and used the card for about 3 weeks. And today I saw I had an update on my credit score which sent it up 45 POINTS!! that’s insane as someone who has ok credit it really helped a lot! The app also has a ton of features like stealth card which allows you to generate a card for online purchases and then completely generate a new one. GET THIS NOW IF YOU NEED TO BUILD CRED
Poor Customer Service
When this company started if you had any issue you could call and get some one who spoke English that could fix this right away.. now you get someone who barley speaks English, they can't do anything but setup a time for you to be called back.. they can't even reset your password, expect for walk you through how to do it on the app.. this was a great service and a wonderful card to have now it's just like any other credit card, outsourced Customer Service, no one to help you.. My issue incase someone reads this is: I tried to login to the app, it told me there is a problem, ok I figured I forgot the password, so I go to reset it, and it tells me something went wrong.. I call and the guy tells me that he needs to escalate this to some other team.. then I ask my balance, which I know should be over $2500, they tell me it's 30.. 30 what.. then I'm told that I have to wait till Monday(it's Friday) to talk to someone other then this person. Ok so now I'm missing at least $2400 and I have to wait till Monday to find out what is going on.. they can't tell you anything other then "I can setup an appointment for a product specialist to call you back."
This ‘bank’ has one redeeming quality, the card. Otherwise there’s little I care for. I hate their news articles that are always one of the first things you see when opening the app, no way that I can find to disable them. I hate that when I need to access my card numbers in the app it says it’s currently unavailable with no further explanation. Furthermore, I’ve been with them a few months and have seen a massive three point difference in my credit score. Yeah, I know this is better than a regular bank where it would be no difference. But all these reviews acting as if this app has raised them a hundred points a week are vastly overhyping it. Finally, it’s extremely annoying when you have cash and zero way to deposit it onto the account. I have two other banks I have to use now just to move around the money to this one. Oh, and if you want to quickly add money to this bank from another? Be ready to wait several days for it to actually go through! And don’t expect to use this card with Apple Pay with friends, and don’t expect this card to be accepted anywhere that specifically states debit card only.
Data Linked to You
The following data may be collected and linked to your identity:
- Financial Info
- Contact Info
- User Content
- Usage Data
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Privacy practices may vary, for example, based on the features you use or your age. Learn More
- CRED Technologies LLC
- 357.9 MB
- Requires iOS 12.0 or later.
- iPod touch
- Requires iOS 12.0 or later.
- Age Rating
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