cred.ai

Name: cred.ai
Rating: 3.07 (883 reviews)
Author: cred.ai

By: cred.ai

you’re better than your bank™

Features & Capabilities

cred.ai is a mobile-first premium spending experience with a free metal Unicorn Card, offering a guaranty that eliminates fees and interest, while automatically building your credit and giving you real-time control. Apply without impacting your FICO score and enjoy 24/7 support and instant Digital Cards.

Key features include Digital Card, Timer Mode, Check Please, Flux Capacitor, and more. Access paycheck funds early, use 55,000+ free ATMs, and keep deposits FDIC insured up to $250,000. cred.ai also emphasizes privacy and security with PCI DSS & EI3PA certifications.

User Growth & Download Statistics

App Payments

By:

cred.ai

Downloads:

179,428 313

Rating:

3.07

(883)

Version:

1.10.11 Last updated: 2026-05-27

Version code:

162

Creation date:

2021-05-08

Publisher country:

Permissions:

android.permission.ACCESS_COARSE_LOCATION Very high risk
android.permission.AUDIO_CAPTURE Very high risk
android.permission.CAMERA Very high risk
android.permission.VIDEO_CAPTURE Very high risk
android.permission.SYSTEM_ALERT_WINDOW High risk
com.google.android.gms.permission.ACTIVITY_RECOGNITION High risk
android.permission.ACCESS_DOWNLOAD_MANAGER Moderate risk
com.google.android.gms.permission.AD_ID Moderate risk
android.permission.ACCESS_ADSERVICES_AD_ID Low risk
android.permission.ACCESS_ADSERVICES_ATTRIBUTION Low risk

Size:

206.67MB

Email:

su*****@cred.ai

URLs:

Website ,Privacy policy

Full description:

Source:

Google Play Store

Data ingested on:

2026-07-04

Compare stats and ranking:

Ranking

# 163,193 ▼ 228

For Developers

Monetize with App Pass Boost with Extension Booster

Contact the developer

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

Developed by:

cred.ai

Google Play Store

https://play.google.com/store/apps/details?id=io.cred.roboapp.android

Email:

su*****@cred.ai

Website:

http://cred.ai

User Reviews

Top positives: Cred.ai aids credit-building and offers a pleasant card experience. Top negatives: login/authentication problems, bank connectivity and Plaid onboarding delays, weak customer support, app glitches, and delays in accessing deposited funds.

Pros

Strong credit-building benefits with real improvements in credit scores.
Pleasant card experience and design (Unicorn Card) that users like.
Useful credit-management features and potential savings/debt-to-usage improvements.

Cons

Frequent login/authentication and access issues.
Bank connectivity problems and Plaid onboarding delays.
Poor or slow customer support.
Frequent app glitches and instability.
Delays in funds availability and deposit/withdrawal timing.

Recent reviews

No Star earned here. The WORST company ever existed! I felt happy to find this building credit card bank in the beginning. However. problem arose. I had been on phone with 1st person to tell her to add a mailing address. compliment the street address. street address is rural & post office will not deliver out there. all mail needs to be sent to my PO BOX!. then they ignored me then sent the card to the street address then over 5 weeks ago blocked my account. sent address documents & no manager!

Ch*****, 2026-06-15

Every week or so there's an update and it won't let me log in without updating... can this please get fixed. I've had cred.ai for years and I've loved it until the last few months...