cred.ai

cred.ai

About this app

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.

cred.ai currently requires an invite code to apply. You can request an invite code via the app or at www.cred.ai.

•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.

Ratings and reviews

The security on this card is garbage. Got a new card, not even used, never entered the number anywhere, and I am constantly getting fraudulent charges to the new card. Can't keep any money in the account. Don't have this issue with any other credit or bank card. I maintain solid security practices, along with a monitoring and protection service. Ordered a new card and immediately had the same issue. Gave 2 stars because the concept is great, the UI is smooth. Sad to delete my account.

Update: This is a amazing credit card. And I mean it by that. I got my paycheck pretty fast after the whole hiccup of 9 day wait. But in all honesty this cannot replace your bank. It's more of a credit card that acts as a debt card in certain ways. I can't pay off my actually credit cards with this card. I will use it as a saving bank at this point but no longer my main bank. It's very cool to have thought but again not a replacement bank.

Hadn't gotten any issues with it until recently when I tried to make a purchase at a store and my card declined. Checked the app and all of my money was gone???? I had just deposited money into my account about 2 days prior with no transactions made since then. Called the emergency support to see what the hell was going on and they "assured" me my money was safe and that the issue was due to a supposed system update they're currently working on. Made me think twice about using this card.

What’s new

Our latest update includes minor bug fixes & performance improvements.