{"app_store_id":1393703565,"slug":"cred-ai-1393703565","name":"cred.ai","subtitle":"you’re better than your bank™","icon_url":"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/512x512bb.jpg","store_url":"https://apps.apple.com/us/app/cred-ai/id1393703565?uo=4","price":0,"currency":"USD","rating":4.75898,"rating_count":6792,"in_app_purchases":false,"recent_rating":null,"recent_review_count":null,"reviews_checked_at":null,"primary_genre":"Finance","version_date":"2026-10-02T09:35:59Z","updated_at":"2026-10-20T14:54:12.948Z","stale":false,"missing_since":null,"one_liner":"Mobile credit card app with a free metal card, virtual Digital Cards, and spending tools such as Timer Mode and Check.","verified_maker":false,"maker_site":null,"file_size_bytes":327025664,"minimum_os":"16.6","content_rating":"4+","language_count":1,"screenshots":["https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/72/43/7d/72437d72-a45c-c278-6466-d63043415975/516c1b8b-71ce-4d80-b91d-8aec2451420f_1__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/a1/bd/ae/a1bdaef9-c947-c6aa-433b-37f639dab8d2/29bdac91-3eae-460f-bf7e-824f0ad3e90a_2__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/fe/34/30/fe34301c-65f6-8892-0dbf-1662b220f824/f4138fe6-8f35-44a5-89e3-cee950440c7e_3__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/ad/4b/41/ad4b410f-822e-a52a-5b8a-160c2d163cb4/c5b09787-085a-4caf-a1d8-50070941f410_4__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/43/84/b6/4384b63d-a7f3-2184-26c6-79a0bf5c1f23/ddfef22c-bb12-4504-be21-c853a8475304_5__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/77/e6/85/77e685ed-a3f4-08fa-9590-73f57abc2e76/b0c4167e-859b-4c3e-81b3-327e50fb54b2_6__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/82/0e/0d/820e0df0-0ca1-3051-c9e2-ec140a0f66b6/94c5a2c4-0406-4706-8a0e-7a71de50fa2e_7__U00281_U0029.jpg/392x696bb.jpg","https://is1-ssl.mzstatic.com/image/thumb/Purple221/v4/9d/8e/6d/9d8e6dbd-aa96-7f31-cdb7-bbc3241c5c48/16b602ec-7961-48d8-865a-aa484e96a83d_8__U00281_U0029.jpg/392x696bb.jpg"],"developer_name":"CRED Technologies LLC","editors_choice":false,"url":"https://apptierlist.com/apps/cred-ai-1393703565/","api_url":"https://apptierlist.com/api/v1/apps/cred-ai-1393703565","schema_version":"1.0","generated_at":"2026-10-21T01:43:08.836Z","data_as_of":"2026-10-20T23:38:13.756Z","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.\n\n•giving credit where credit is due • \nYour 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.\n\n• imagine if tony stark built a bank • \ncred.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.\n\n• won’t break the bank, but could break a window • \nThe 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.\n\n• the card you carry is metal, but digital card is bulletproof • \nDigital 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.\n\n• original content from crednews • \ncrednews™ 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.\n\n• your bank should never be a piggy • \nAccess 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.\n\n• boring but true • \n○ cred.ai™ Guaranty to Never Pay Interest Or Fees\n○ 24/7 Phones Answered By Humans\n○ 55,000+ Free ATMs***\n○ Deposits FDIC Insured Up To $250,000†\n○ We Will Never Share Your Data\n○ PCI DSS & EI3PA Certified\n\n*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.\n\n**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.\n\n***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.\n\n†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. \n\nThe 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.","facts":{"developer_id":1393703564,"developer_url":"https://cred.ai/","first_released":"2020-10-20T07:00:00Z","support_url":"https://cred.ai/faq","privacy_url":"https://cred.ai/cred-ai-privacy-policy","website_url":"https://cred.ai/","app_version":"1.9.24","release_notes":"Our latest update contains minor bug fixes and performance improvements.","rating_current_version":4.75898,"rating_count_current_version":6792,"star_counts":[243,48,119,283,6100],"genres":["Finance","Utilities"],"languages":["EN"],"content_advisories":null,"device_families":["iphone"],"chart":null},"freshness":{"apple_read_at":"2026-10-20T14:54:12.948Z","catalog_read_at":"2026-10-19T00:50:11.704Z","reviews_checked_at":null,"summary_written_at":"2026-10-18T09:46:11.797Z","placed_at":"2026-10-16T15:56:02.536Z","scored_at":"2026-10-20T23:38:13.756Z"},"editorial":{"one_liner":"Mobile credit card app with a free metal card, virtual Digital Cards, and spending tools such as Timer Mode and Check.","what_is":"Cred.ai is a finance app that describes itself as a 100% mobile everyday card spending experience. The listing describes a free metal credit card, virtual Digital Cards that are active upon approval, and features including Timer Mode, Friend & Foe List, Check Please, and Flux Capacitor. It also states that applying does not impact a FICO score and that a FICO score is not required to apply.","good_for":["Paying for online subscriptions or free trials with a virtual card","Managing a credit card entirely from a phone","Accessing paycheck deposits early, depending on payer timing"],"pricing":"cred.ai is free, with no in-app purchases on the App Store.","faq":[{"q":"Does applying affect my credit score?","a":"Applying does not impact your FICO score and that a FICO score is not required to apply. It also says increases or specific changes to your credit score are not guaranteed."},{"q":"Does the app charge fees or interest?","a":"The listing describes a cred.ai guaranty to never pay interest or fees. The listing does not set out the detailed terms of that guaranty."},{"q":"Is there a cost to download or use the app?","a":"The app is free to download and shows no in-app purchases. Card terms, fees and eligibility beyond what is stated are not detailed in the listing."}],"model":"claude-haiku-5-5","created_at":"2026-10-18T09:46:11.797Z"},"memberships":[{"list":"card-wallet","list_name":"card wallet","list_status":"active","list_url":"https://apptierlist.com/best/card-wallet/","position":11,"tier":"C","score":68.4,"components":{"rating":95.1,"votes":78.3,"rank":0,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"provisional","judged_at":"2026-10-16T15:56:02.536Z"},{"list":"credit-building","list_name":"credit building","list_status":"active","list_url":"https://apptierlist.com/best/credit-building/","position":15,"tier":"C","score":82.1,"components":{"rating":95.1,"votes":78.3,"rank":55,"recency":100},"status":"active","review_status":"checked","list_ranking_status":"ranked","confidence":"normal","judged_at":"2026-10-16T15:56:02.536Z"}],"main_list":"card-wallet","claim":{"status":"none","verified":false,"site_url":null,"verified_via":null,"verified_domain":null},"history":[{"id":135664,"at":"2026-10-17T01:33:13.388Z","kind":"tier_changed","list":"credit-building","app_store_id":1393703565,"app":"cred-ai-1393703565","from":"A","to":"C","reason":"rank shift: #15, score unchanged at 81.7, tier full (a quarter of the list)","job":"rescore"},{"id":130726,"at":"2026-10-16T16:11:07.622Z","kind":"tier_changed","list":"card-wallet","app_store_id":1393703565,"app":"cred-ai-1393703565","from":null,"to":"C","reason":"score 68.4","job":"rescore"},{"id":130707,"at":"2026-10-16T16:11:07.622Z","kind":"tier_changed","list":"credit-building","app_store_id":1393703565,"app":"cred-ai-1393703565","from":null,"to":"A","reason":"score 81.7","job":"rescore"},{"id":129847,"at":"2026-10-16T15:56:02.536Z","kind":"membership_added","list":"credit-building","app_store_id":1393703565,"app":"cred-ai-1393703565","from":null,"to":"active","reason":"Marketed as a credit card that builds credit automatically by managing utilization, with no FICO score required to apply.","job":"shadow"},{"id":129846,"at":"2026-10-16T15:56:02.536Z","kind":"membership_added","list":"card-wallet","app_store_id":1393703565,"app":"cred-ai-1393703565","from":null,"to":"active","reason":"Core product is a metal card plus instant virtual Digital Cards for everyday spending, managed in the app with real-time control.","job":"shadow"},{"id":123845,"at":"2026-10-16T07:34:49.452Z","kind":"app_added","list":null,"app_store_id":1393703565,"app":"cred-ai-1393703565","from":null,"to":null,"reason":"discovered","job":"import"}],"explain":{"method":"Membership is decided by a model judging the App Store listing against the list's definition (and its excludes, for memberships placed or rechecked since they were added to the prompt); every verdict is listed with its date; the score is a plain average of the public components an app has (four, plus Apple's Editors' Choice badge as 100 where shown); nothing is purchasable.","lists":[{"list":"card-wallet","list_name":"card wallet","status":"active","review_status":"checked","position":11,"tier":"C","score":68.4,"components":{"rating":95.1,"votes":78.3,"rank":0,"recency":100},"ranks":[],"verdicts":[{"verdict":"keep","reason":"Core product is a metal card plus instant virtual Digital Cards for everyday spending, managed in the app with real-time control.","verifier":"claude-sonnet-5-5","decided_at":"2026-10-16T15:56:02.536Z","attempts":1,"current":true},{"verdict":"keep","reason":"It is the app for using and managing its own credit card, with instant virtual cards and real-time control. 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