# cred.ai — you’re better than your bank™ > High-tech mobile credit card with fee-free spending and credit building. (iPhone/iPad app by CRED Technologies LLC.) - Source: https://appshunter.io/ios/app/credai/id1393703565 (this page in markdown: same URL + `.md`) - Developer: [CRED Technologies LLC](https://appshunter.io/developer/1393703564) - Category: Finance, Utilities - Price: Free - Rating: 4.80/5 from 6,712 App Store ratings · 161 written reviews indexed - Age rating: 4+ - Requires: iOS 16.6 · 300 MB - Languages: American English - Released: 2020-10-20 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/credai/id1393703565/reviews.md ## What is cred.ai? 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. ## Key features - Free metal card - No fees or interest - Automatic credit building - Early paycheck access - Virtual digital cards - Timer Mode for security - Flux Capacitor for protection ## What do users think of cred.ai? Overall sentiment: neutral **Pros** - 🚀 Builds credit without debt - 🔒 Secure with stealth card feature - 👍 Convenient and easy to use - 💡 Innovative credit-building approach - 🤑 Helps improve credit score **Cons** - 🐛 Unreliable customer service - 🤔 Inconvenient for some transactions - 🕰️ Slow fund transfers - 💸 Unclear fees and policies - 🔒 Restrictive account access **Commonly reported bugs** - Funds disappearing from accounts - Login and verification issues - Inconsistent card functionality **Most requested features** - Instant fund transfers - Ability to pay bills directly - Expanded merchant acceptance - Enhanced customer support options ## Recent user reviews (10 of 161) All indexed reviews: https://appshunter.io/ios/app/credai/id1393703565/reviews.md ### 5/5 — BEAUTIFUL METAL CARD! *2026-08-16, version 1.9.23* Has become very addictive to just show it off and use it OFTEN! So many compliments. Don’t ever stop issuing this card! ### 1/5 — SSN not valid *2026-07-17, version 1.9.22* Bruh my SSN is legit, why the hell it kept saying it’s invalid ### 5/5 — MVP *2026-06-17, version 1.9.22* This is by far my favorite card I have ever had or used . ### 4/5 — Good overall *2026-05-22, version 1.9.22* Only 4 stars due to this: Money takes too long to get from my bank account to being available in Cred.ai. I would use it more often if I could get instant transfers from my bank account like Apple Pay can. ### 5/5 — Great Card And App *2026-05-17, version 1.9.22* I’ve had nothing, but a positive experience since signing up. ### 2/5 — Delayed Deposit *2026-04-07, version 1.9.22* It would be nice if deposits were attributed to your account faster than 3 days, especially since electronic transfers happen within minutes. ### 5/5 — Review *2026-04-02, version 1.9.22* 5 Stars I’ve been using this card since 2019 ### 5/5 — Good option *2026-03-29, version 1.9.22* Good option for those wanting to increase their credit score. App is easy to use and reliable ### 5/5 — Great card *2026-03-27, version 1.9.22* Aside from helping to build my credit this is the best card for it’s safety features when it comes to buying online. It’s also a great card to use while traveling. ### 1/5 — Terrible company! *2026-03-20, version 1.9.22* I had a credit ai card for 2 years. Account never in the negative! They one day decided to close out my account for no reason at all. Tried to apply again 6 months later, denied. Terrible company. Ava $2500 trade line is way better! ## Frequently asked questions about cred.ai ### What does the cred.ai app do? The app provides a premium mobile credit card experience. It allows you to manage your spending, build credit automatically, and access your paycheck early. It also offers advanced security features and a free metal card. ### What are the key features of cred.ai? Key features include a free metal card, a guarantee to never pay fees or interest, automatic credit building, early access to your paycheck, and cutting-edge tech like Timer Mode and Flux Capacitor for enhanced security and control. ### Is there a cost to use cred.ai? The app itself is free to use, and you receive a free metal card. The core services, including the guarantee to never pay fees or interest, are also provided without charge. There may be in-app purchases available for additional features or services. ### What are the compatibility requirements for cred.ai? The app is designed for mobile use and is 100% mobile-based. While specific operating system versions are not detailed, it is intended for smartphone users who can download and manage applications from their device's app store. ### How can cred.ai help me manage my spending and credit? The app helps manage spending by ensuring you never overspend and offering features like Timer Mode for secure transactions. It builds credit automatically by managing your balances to optimize utilization, allowing you to spend like a debit card while improving your credit score. ## Version history (last 5 releases) ### 1.9.23 — 2026-08-03 Our latest update contains minor bug fixes and performance improvements. ### 1.9.22 — 2025-11-24 Our latest update contains minor bug fixes and performance improvements. ### 1.9.21 — 2025-11-21 Our latest update contains minor bug fixes and performance improvements. ### 1.9.20 — 2025-09-22 Our latest update contains minor bug fixes and performance improvements. ### 1.9.19 — 2025-03-19 Our latest update contains minor bug fixes and performance improvements. ## Apps similar to cred.ai | App | Rating | Price | Category | | --- | --- | --- | --- | | [Petal Card](https://appshunter.io/ios/app/petal-card/id1400353064) | 4.7 (10,649) | Free | Finance | | [X1 Card](https://appshunter.io/ios/app/x1-card/id1581364879) | 4.9 (12,116) | Free | Finance | | [Grow Credit](https://appshunter.io/ios/app/grow-credit/id1482246872) | 4.8 (10,117) | Free | Finance | | [Arro: Build & Grow Credit](https://appshunter.io/ios/app/arro-build-and-grow-credit/id6449683788) | 4.6 (1,698) | Free | Finance | | [Kovo - Fast Credit Builder](https://appshunter.io/ios/app/kovo-fast-credit-builder/id6480379937) | 4.9 (11,306) | Free | Finance | | [TomoCredit](https://appshunter.io/ios/app/tomocredit/id6504301873) | 3.4 (523) | Free | Finance | ## More apps by CRED Technologies LLC - [cred.ai Pro](https://appshunter.io/ios/app/credai-pro/id6478943190) All apps by CRED Technologies LLC: https://appshunter.io/developer/1393703564 ## Related topics [fintech weekly](https://appshunter.io/ios/topics/fintech-weekly) · [dollar bank card control](https://appshunter.io/ios/topics/dollar-bank-card-control) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*