--- title: "cred.ai - Reviews, Revenue and Downloads in United States | Apple App Store" 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 automa" --- # cred.ai — United States > you’re better than your bank™ ![cred.ai App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/14/a9/50/14a950fb-cd71-a194-67e6-21909e02f53a/AppIcon-0-0-1x_U007emarketing-0-6-0-sRGB-85-220.png/434x0w.png) **Developer:** [CRED Technologies](https://apptail.io/developer/cred-technologies-HOCc) **Category:** Finance **Rating:** 4.8/5 (6,550 ratings) **Price:** Free **Bundle ID:** ai.cred.robocred **Store:** Apple App Store **Country:** United States **Version:** 1.9.24 (released 2026-10-02) **Original Release:** 2020-10-20 **Languages:** English **App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1393703565) **AppTail Page:** [https://apptail.io/app/credai-zYo/united-states](https://apptail.io/app/credai-zYo/united-states) ## cred.ai 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 & 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. †cred.ai is a financial technology company, not a bank. The cred.ai Deposit Account is provided by WSFS Bank, Member FDIC. Deposits are insured up to $250,000 per depositor. FDIC insurance only covers the failure of an FDIC-insured bank. FDIC insurance is available through pass-through insurance at WSFS Bank, Member FDIC, if certain conditions have been met. 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. ## cred.ai Screenshots - [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/af/eb/59/afeb593e-ac42-6350-beda-aa309128c630/5ee0267c-393b-4993-ab28-197b3e0a4ab9_apple-app-store_01.png/1242x2688.png) - [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e3/89/7c/e3897cfb-9335-70c5-0fa9-ada52d7244c1/c91b7e07-5156-47d7-bb36-266d3c1a2f6a_apple-app-store_02.png/1242x2688.png) - [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/f6/7c/3c/f67c3cb9-1a94-fd12-e49d-2f4ee27b3b34/24c5a4bc-12d0-4856-913f-11dd60833e57_apple-app-store_03.png/1242x2688.png) - [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/2c/1d/d8/2c1dd8af-fb4d-9369-02ac-bd4518b7873a/9970ac1d-8a6e-41e1-8820-cdf180412d4a_apple-app-store_04.png/1242x2688.png) - [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/24/ac/8f/24ac8fd3-45fc-e965-8b6c-9df1bff93ac6/a03f9c17-61de-4297-80c3-105dec3defdf_apple-app-store_05.png/1242x2688.png) - [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/3c/06/39/3c0639fa-79f0-220a-0677-df7835bb1b31/5d7e1ce3-d336-4705-b7c9-0a7592c4fd6d_apple-app-store_06.png/1242x2688.png) - [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b1/ec/76/b1ec7695-916d-7c2b-ff3b-6baffbb50b1a/457aac37-c935-4b09-b460-a4dd9b992cd0_apple-app-store_07.png/1242x2688.png) - [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/37/3e/a6/373ea654-f901-7a1d-af5b-8d08da81e2b8/ios-cred_ai.jpg/1242x2688.png) ## cred.ai Rating Breakdown in United States - 5 stars: 5,876 (90%) - 4 stars: 268 (4%) - 3 stars: 117 (2%) - 2 stars: 48 (1%) - 1 stars: 241 (4%) ## cred.ai Reviews in United States ### *---- "Waste of time" Wants utility bills, social, and bank statements. Not worth my time. I want my 15 minutes back I wasted on this nonsense app. -- CRb135ff, 2025-01-06 ### ***** "So helpful with credit!" I’m a graduating student, and got an amazing interest rate and quick financing approval on my car due to this card! It’s so helpful for young people like students. -- wade873, 2025-01-06 ### *---- "Pinch Zoom Issues On Statements" Statements (both deposit account and credit card) no longer allow pinch to zoom so you can actually read smaller print like it used to before. This is an issue on iOS 18.2. 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?! -- SwankPeRFection, 2025-01-05 ### ****- "Regular names please" I wish they would at least put what each feature is instead of their futuristic names they use for everything. I have to guess what each thing is all the time when navigating the app. -- Ian SSS, 2024-12-26 ### ***** "It’s greaaaat!" Great banking app. Works great and helps your credit! -- IggiePuff, 2024-12-25 ### ***** "Best card to build credit" I’ve drastically helped my credit score by using this card. Best card I’ve ever had as far as that goes -- Jp Stanek, 2024-12-20 ### *---- "Bug needs fixed" Every time I try to login, it says not connected to the Internet when I have full service 5G. Please fix this so I can access my bank info. -- *($_$)*, 2024-12-16 ### ***** "Solid app for a great product!" I’ve been using cred.ai in place of my traditional credit card accounts for over two years now; everything from online purchases to car rentals and even international travel. The app is well designed, reliable, and easy to use, allowing access to many innovative and useful features (too many to list here) that you wouldn’t normally find as part of a standard credit or bank account. It’s also worth mentioning that unlike other providers operating in this particular fintech space, cred.ai issues a legitimate credit card backed by an established and trusted bank (WSFS) — you can use it anywhere that accepts credit cards without fear of running into problems (markedly different from the so-called “credit cards” offered by Chime, for example, which have now been blacklisted by almost every major car rental company). -- padmatt, 2024-12-10 ### ***** "WOW!!" I only put 5% of my paychecks n this account and used the debit card regularly for small purchases and my credit score went up 34points in about 6 weeks.. Definitely recommend this!!! -- MaxBet Only, 2024-12-09 ### ***** "Cred Ai is THE BEST!" Been using about 2 years now and nothing beats the card. Boosted my credit score 25-30 points in about 2 months. I travel to Mexico frequently and this card have never let me down. It’s SHOCKING that this card is free. You will not regret getting it, foreal. It’s amazing -- Jose😌👌, 2024-12-03 [View all cred.ai reviews and detailed analytics on AppTail](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=reviews) ## cred.ai Discovered Keywords - credit line - self - credit card - gain - credit app - build credit - credit fix - ava - x1 card - credit builder app ## Apps Similar to cred.ai - [Found: Business Banking](https://apptail.io/app/found-business-banking-kMs/united-states) - [X1 Card](https://apptail.io/app/x1-card-IaA/united-states) - [Tomo Card](https://apptail.io/app/tomo-card-WRF/united-states) - [Ava: Build Credit Fast](https://apptail.io/app/ava-build-credit-fast-YRF/united-states) - [Petal Card](https://apptail.io/app/petal-card-bSF/united-states) - [Grain: The Digital Credit Card](https://apptail.io/app/grain-the-digital-credit-card-nWF/united-states) - [Grow Credit](https://apptail.io/app/grow-credit-oWF/united-states) - [Kora Money](https://apptail.io/app/kora-money-vMH/united-states) - [Atlas - Rewards Credit Card](https://apptail.io/app/atlas-rewards-credit-card-pPYb/united-states) - [Build Credit & Money: Dovly AI](https://apptail.io/app/build-credit-money-dovly-ai-Wmnc/united-states) ## cred.ai Available In - [United States](https://apptail.io/app/credai-zYo/united-states) - [Canada](https://apptail.io/app/credai-zYo/canada) - [Australia](https://apptail.io/app/credai-zYo/australia) - [Colombia](https://apptail.io/app/credai-zYo/colombia) - [United Kingdom](https://apptail.io/app/credai-zYo/united-kingdom) - [Mexico](https://apptail.io/app/credai-zYo/mexico) - [United Arab Emirates](https://apptail.io/app/credai-zYo/united-arab-emirates) - [Dominican Republic](https://apptail.io/app/credai-zYo/dominican-republic) - [Singapore](https://apptail.io/app/credai-zYo/singapore) - [Bulgaria](https://apptail.io/app/credai-zYo/bulgaria) - [Ukraine](https://apptail.io/app/credai-zYo/ukraine) - [Croatia](https://apptail.io/app/credai-zYo/croatia) - [Ghana](https://apptail.io/app/credai-zYo/ghana) - [Denmark](https://apptail.io/app/credai-zYo/denmark) - [Estonia](https://apptail.io/app/credai-zYo/estonia) - [Finland](https://apptail.io/app/credai-zYo/finland) - [France](https://apptail.io/app/credai-zYo/france) - [Grenada](https://apptail.io/app/credai-zYo/grenada) - [Greece](https://apptail.io/app/credai-zYo/greece) - [Hong Kong SAR China](https://apptail.io/app/credai-zYo/hong-kong) - [Hungary](https://apptail.io/app/credai-zYo/hungary) - [Indonesia](https://apptail.io/app/credai-zYo/indonesia) - [Ireland](https://apptail.io/app/credai-zYo/ireland) - [Israel](https://apptail.io/app/credai-zYo/israel) - [Iceland](https://apptail.io/app/credai-zYo/iceland) - [Italy](https://apptail.io/app/credai-zYo/italy) - [Jamaica](https://apptail.io/app/credai-zYo/jamaica) - [Japan](https://apptail.io/app/credai-zYo/japan) - [Kenya](https://apptail.io/app/credai-zYo/kenya) - [Kuwait](https://apptail.io/app/credai-zYo/kuwait) - [Sri Lanka](https://apptail.io/app/credai-zYo/sri-lanka) - [Latvia](https://apptail.io/app/credai-zYo/latvia) - [Madagascar](https://apptail.io/app/credai-zYo/madagascar) - [Mauritius](https://apptail.io/app/credai-zYo/mauritius) - [Malaysia](https://apptail.io/app/credai-zYo/malaysia) - [Netherlands](https://apptail.io/app/credai-zYo/netherlands) - [Norway](https://apptail.io/app/credai-zYo/norway) - [Nepal](https://apptail.io/app/credai-zYo/nepal) - [New Zealand](https://apptail.io/app/credai-zYo/new-zealand) - [Oman](https://apptail.io/app/credai-zYo/oman) - [Pakistan](https://apptail.io/app/credai-zYo/pakistan) - [Poland](https://apptail.io/app/credai-zYo/poland) - [Qatar](https://apptail.io/app/credai-zYo/qatar) - [Romania](https://apptail.io/app/credai-zYo/romania) - [Saudi Arabia](https://apptail.io/app/credai-zYo/saudi-arabia) - [Slovenia](https://apptail.io/app/credai-zYo/slovenia) - [Slovakia](https://apptail.io/app/credai-zYo/slovakia) - [Thailand](https://apptail.io/app/credai-zYo/thailand) - [South Africa](https://apptail.io/app/credai-zYo/south-africa) - [Armenia](https://apptail.io/app/credai-zYo/armenia) - [Angola](https://apptail.io/app/credai-zYo/angola) - [Argentina](https://apptail.io/app/credai-zYo/argentina) - [Austria](https://apptail.io/app/credai-zYo/austria) - [Azerbaijan](https://apptail.io/app/credai-zYo/azerbaijan) - [Belgium](https://apptail.io/app/credai-zYo/belgium) - [Bahrain](https://apptail.io/app/credai-zYo/bahrain) - [Bermuda](https://apptail.io/app/credai-zYo/bermuda) - [Switzerland](https://apptail.io/app/credai-zYo/switzerland) - [Chile](https://apptail.io/app/credai-zYo/chile) - [China](https://apptail.io/app/credai-zYo/china) - [Cyprus](https://apptail.io/app/credai-zYo/cyprus) - [Vietnam](https://apptail.io/app/credai-zYo/vietnam) - [Honduras](https://apptail.io/app/credai-zYo/honduras) - [Panama](https://apptail.io/app/credai-zYo/panama) --- ## About AppTail [AppTail](https://apptail.io) is a mobile app intelligence platform providing app analytics, ASO (App Store Optimization) tools, keyword tracking, competitor analysis, revenue estimates, and review monitoring for iOS App Store apps. Track your app's performance, discover ranking keywords, monitor competitors, and analyze market trends. - [Search Apps](https://apptail.io) - [Top Charts](https://apptail.io/top-iphone-apps) - [Sign Up for Full Access](https://app.apptail.io/signup?utm_campaign=ai-crawl&utm_content=footer) *Data provided by [AppTail](https://apptail.io) - Mobile App Intelligence Platform*