cred.ai
A Philadelphia fintech that wraps a deposit-backed Visa in heavy branding and genuinely clever software. Its Unicorn Card automates utilization reporting so the credit score game plays itself, with WSFS Bank holding the charter behind it.
Application Rules
- ▸No credit check: approval is based on opening the cred.ai deposit account
- ▸One card product per person; the deposit account is mandatory
- ▸Reports as an unsecured card, so the tradeline looks better than typical builders
Tracked cred.ai Cards
VisaUnicorn Card
Personal · No AF
cred.ai Unicorn Cardcred.ai
A metal deposit-backed card whose whole personality is automating good credit behavior.
Special bonusAF: $0Rating: 6.1/10