cred.ai
What is cred.ai?
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.
Pricing. Cred.ai is free, with no in-app purchases on the App Store.
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
Screenshots
Why this app is in C tier
cred.ai scores 68 out of 100: rating 95, rating count 78, App Store search rank 0, update recency 100. The four parts are averaged with no weights, and C tier follows from that score within this list. The full explanation, as data.
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
Compare in Card Wallet
| Measure | |||
|---|---|---|---|
| Tier | C | B | C |
| Score | 68 / 100 | 71 / 100 | 68 / 100 |
| Rating | 4.8 ★ | 4.7 ★ | 4.7 ★ |
| Ratings | 6.8K | 131K | 5.0K |
| Latest ratings · 180d | — | 1.4 ★ · 14 reviews | — |
| Last update | 19d ago | 75d ago | 28d ago |
| Price | Free | Free download | Free |
Alternatives
See all 16 ›Where else it ranks
Questions about cred.ai
Does applying affect my credit score?
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.
Does the app charge fees or interest?
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.
Is there a cost to download or use the app?
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.
Is cred.ai free?
Yes. cred.ai is free on the App Store, with no in-app purchases.
What is cred.ai good for?
cred.ai is built 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. It sits in the card wallet list on AppTierList.
Is cred.ai worth it?
cred.ai is C tier, ranked #11 of 17 card wallet apps with a score of 68 out of 100, from a 4.8 App Store rating across 6,792 ratings. 10 apps rank above it in the same list.
How does cred.ai compare to Amazon Store Card?
cred.ai is C tier at 68; Amazon Store Card is B tier at 71. Amazon Store Card ranks higher. cred.ai is free, with no in-app purchases, Amazon Store Card is free to download.
How often is cred.ai updated?
cred.ai was updated 19 days ago, which counts in its favour.
All the facts
- List
- Card Wallet
- Tier
- C (Situational)
- Score
- 68 / 100
- Rank in list
- #11 of 17
- Ranking certainty
- early: few ratings or search ranks so far
- Price
- Free
- App Store rating
- 4.8 out of 5
- Number of ratings
- 6,792
- Current version
- (19 days ago)
- App Store data read
- App Store category
- Finance
- 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
- Requires
- iOS 16.6 or later
- Size
- 312 MB
- Age rating
- 4+
- Languages
- 1
- Developer pages
- Website · Support · Privacy policy
- Maker
- unclaimed
- As data
- JSON · why it ranks here
Ranking refreshed · how it is computed