cred.ai

you’re better than your bank™

Published by: CRED Technologies
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Description

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 Digital 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 Timer Mode, Friend & Foe List™, Digital 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 digital card is bulletproof •
Digital Card is for your more sketch transactions, like ordering pizza over the phone, corn sites, or signing up for free trials. Regenerate Digital Card when you feel unsafe, or use them in Timer Mode for ultimate protection. Use your Digital 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.
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cred.ai FAQ

  • Is cred.ai free?

    Yes, cred.ai is completely free and it doesn't have any in-app purchases or subscriptions.

  • Is cred.ai legit?

    🤔 The cred.ai app's quality is mixed. Some users are satisfied, while others report issues. Consider reading individual reviews for more context.

    Thanks for the vote

  • How much does cred.ai cost?

    cred.ai is free.

  • What is cred.ai revenue?

    To get estimated revenue of cred.ai app and other AppStore insights you can sign up to AppTail Mobile Analytics Platform.

User Rating
App is not rated in China yet.
Ratings History

cred.ai Reviews

Trustworthy

wowlmao.urthebest on

United States

I’m always afraid things like this are gonna be shady and ef me over somehow but I’ve been using cred.ai for about half a year now and everything works exactly how it should. No fees or charges at all, easy transactions, etc.

Best debit card out there

Viniqbeauty on

United States

This is the best debit card out there for helping build your credit it

One flaw

Nealg3 on

United States

The one flaw is depositing checks, direct deposits is eligible for flux compaciter but not a check I deposit? I have to wait 9 DAYS……..😑

Never allows debit card

real1_323 on

United States

Can’t even add my debit card from my “big bank” to instant deposit. Turned down all the accounts

Great help

Refgiefresh23 on

United States

This is awesome

Cred AI 🔥

Bullet Chin on

United States

Cred AI got my credit score up from 580 to 630 in less than 2 weeks. Great app and they’re FDIC insured.

Virtual Card Exp Issue

SwankPeRFection on

United States

There is an issue with the virtual card with some vendors where when the exp date is updated their verification system fails because the CVV isn’t changed on the virtual card. You need to change/update both when the exp date is updated. You need to integrate basic transaction notification/listing into the Wallet app. ApplePay wallet integration is basically kind of useless without at least those basics! Every time the app is restarted, the support tickets in Help are reset to “Unread”. You also can’t delete old tickets you no longer want to keep. This needs to be fixed! Also, why do you drag your feet with mailing out new cards?!

Everything is for real

Jimmy the Neurotypical on

United States

Lightning speed compared to everything else. I can. Now I send all my payouts to this card because it’s fastest and has perfect support.

Terrible customer service

Kayike on

United States

I submitted my application for the card and uploaded all the necessary documents a week ago, but I'm still waiting for approval. I reached out to customer service for assistance, but unfortunately, I haven't received a response yet. It would be beneficial for them to enhance their customer service experience.

Best way to spend your money online!

meghgan on

United States

No problems at all, thank you Cred.Ai for your convenience

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