cred.ai

Name: cred.ai
Rating: 4.8 (6741 reviews)
Author: CRED Technologies LLC

By: CRED Technologies LLC App

you’re better than your bank™

Overview

Version:

1.9.23

Last updated: 2026-08-03

Ranking

#21,781 ▼ 28

Overall

Features & Capabilities

cred.ai delivers a 100% mobile, premium card experience with a free metal Unicorn Card. With the cred.ai guaranty you never pay fees or interest, never overspend, build credit automatically, and you can spend your paycheck early. It provides real-time control, 24/7 human support, and instant Digital Cards upon approval. Applying does not impact your FICO score, and a FICO score is not required to apply.

cred.ai also introduces exclusive features like Timer Mode, Friend & Foe List, Digital Card, Check Please, and Flux Capacitor. The Digital Card protects you for risky transactions—regenerate it when you feel unsafe or use it in Timer Mode. Access the spending power of your deposits up to two days early, and use 55,000+ free ATMs with FDIC-insured deposits up to $250,000. All data is protected with PCI DSS & EI3PA certification. The Unicorn Card is metal, premium, and designed to help you spend smarter while building credit for the future.

User Growth & Download Statistics

App Payments Privacy & Security News & Magazines

By:

CRED Technologies LLC

Rating:

4.80

(6,741) 7 new ratings

Version:

1.9.23 Last updated: 2026-08-03

Version code:

888906679

Creation date:

2020-10-20

Compatible devices:

Size:

300.17MB

URLs:

Website ,Privacy policy

Full description:

Source:

Apple Apps Store

Data ingested on:

2026-08-31

Compare stats and ranking:

Ranking

# 21,781 ▼ 28

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

Chrome-Stats does not own this Apple app. Please use these information below to contact the Apple app developer.

Developed by:

CRED Technologies LLC

Apple Apps Store

https://apps.apple.com/us/app/cred-ai/id1393703565

Website:

https://cred.ai/

User Reviews

Users frequently praise cred.ai for building/repairing credit, ease of use, and strong security features, plus the metal card. Recurrent negatives include slow/uncertain deposits, verification/account-closure issues, weak customer support, low limits, and inconsistent reporting. Overall, it’s valued for credit-building and security but suffers from onboarding, funding, and support pain points.

Pros

Builds/repairs credit and reports to bureaus; users often see score increases
Easy-to-use app UI and generally reliable performance
Strong online security features (virtual cards, ability to lock cards, merchant controls)
Appealing metal debit card design
Helps manage credit utilization by increasing available credit and reporting lines

Cons

Deposits/transfers are slow or inconsistent (often 3–5 days)
Onboarding/verification issues (bank account verification failures, account closures during address updates)
Support responsiveness can be slow or hard to reach
Low card limits and load caps (e.g., small maximums for loads)
Occasional inaccurate or inconsistent credit reporting to bureaus