cred.ai

Cred.ai is a US-based fintech company that provides a "Unicorn Card" (a Visa credit card) paired with a Cred.ai spending account. The company's mission is to offer sophisticated credit and spending tools, typically reserved for the wealthy, to a broader audience. Its core service revolves around automation; it links the credit card to the spending account and automatically manages payments to optimize credit utilization and build a positive payment history for the user. Cred.ai is not a bank; its banking services are provided by Wilmington Savings Fund Society, FSB (WSFS Bank), Member FDIC.