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
I was never interested in a real credit card because debt is slavery blah blah blah, I figured a credit card at my age would be a bad idea so I saw an add for this and I was like hey, credit with no debt, sweet. I got the card about 6 months ago and I used it a couple times and figured its kinda inconvenient, and stopped using it. Checked my credit score a couple nights ago, 700 on the mf dot baby!!!! No loans, credit cards, nothing. This card was the only thing on my history, and now I can get a loan on pretty much anything I could want, car, house, business loan, anything. I made some deposits and I will most definitely be using it again, setting up mobile deposit after this review. AND ON TOP OF THAT THEIR CUSTOMER SERVICE IS GOOD NOW!!!!!
Lackluster customer service
The card is just a card, I guess it’s a nice card but inconvenient to use anywhere that explicitly states they only take debit cards - this card will *always* run as credit in those situations. Not being able to connect to my other newer banks, super long time getting money into the account vs. my other banks. I guess the little credit bump is cool and I do get my paycheck a day early (sometimes) but honestly, I’ve had some weird stuff happen. They sent me a new card and disabled my current one before I had access to the new one, without telling me, while I was traveling. They told me to setup and use a stealth card, which is cool, but was really inconvenient to read off to people on my trip. I would have preferred for the old card to stay active until I activate the new one, I don’t really understand the precaution there. They apparently add additional fees to some purchases (like they add tip allowances to DoorDash purchases but don’t tell you anywhere that they do that?!) I haven’t had money go missing (yet) but the other reviews saying that they were locked out for no reason or had money literally disappear out of their accounts make me want to close this account and run for the hills. I did it for defranco and for my credit score but it’s been kinda of a meh experience.
Had a big inconvenience where unfortunately I did not take my money from the ATM when withdrawing and ATM took my money back and did display a receipt as if I took the money after it sounded like it counted it and put the money back. ridiculous when approached the cred ai customer service the only response they gave me was it would take us 45-90 days to investigate nothing else and they would repeat themselves over and over again when I am claiming to give me at least a parcial credit my total was $300. I unfortunately put some automatic payments to be paid from this card that were estimated in that cash they took and haven’t given back to me. I was late and fees from other companies were charged because they did not want to credit nothing back mind you I called right when that event happened and I was in the Walgreens were this occurred, is unbelievable the nastiness of how they operate when one is asking for help now I am emailing them and they do not reply back, please save you time don’t trust this company they are terrible and would take your money, ( give me my money back and I would consider deleting this review even tho you don’t deserve it)
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