iPhone Screenshots


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.

What’s New

Version 1.5.1

Our latest update contains minor bug fixes and performance improvements.

Ratings and Reviews

4.9 out of 5
434 Ratings

434 Ratings

Subadonic ,

Game changer

Finally a card for all credit types with absolutely zero fees! Yes, the app takes a little getting used to, but honestly, I’m not complaining.

I received my metal card (very cool) within 10 days of signing up, and within another week, I had a new “credit card” added to my Experian report with a limit of $1500. From what I’ve read, everyone gets the same “limit”.

To be 100% clear: this is essentially a secured card where you don’t have to pay a deposit. Simply fund the card using an existing debit/ACH account and then spend as you would any other credit card. Your utilization will get reported every month.

You can also create multiple online cards which can be deleted after you’ve made your purchases.

I hope they come out with even more products, because I’m hooked!

Irks hand ,

Amazing app

App works amazingly and the interface is excellent. There are so many awesome features, first the stealth card is awesome. I love being able to generate new numbers within a few seconds. Also the card itself is great the Metal card is by far the nicest card I have ever seen. It’s also much better than any other debit card I have had before, while building credit! Overall amazing app would 100% recommend to everyone.

TweekieOne ,

Amazing Card!

Backed by the incredible John Legend, this card is absolutely mind-blowing! My credit rating has gone from “poor” to “good”- in 7 months! It’s actually a debit card that you can instantly fund (between multiple accounts and other debit cards), so you can’t overspend (no fees or overdrafts, ever!) but it reports to the credit bureaus as a credit card.

If you need help building up or improving your credit score...GET THIS CARD! You’ll be glad you did!

App Privacy

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:

  • Financial Info
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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