Treat any Credit Card like a Debit Card.

Automatically store away money on each credit card purchase and optimize payoff.

ClearCred mobile app interface showing account linking and credit card management features

ClearCred app dashboard displaying automatic savings and transaction monitoring

ClearCred payment automation interface showing credit card payoff optimization

Featured in

Why use ClearCred? Simple.

Prevent Overspending

Keep track of your spending by settling your purchases daily, similar to using a debit card.

Decrease Utilization

By making sure your bill is paid on time, every time, and frequently, your utilization rate decreases.

Consolidation & Transparency

We utilize a proven UI to prevent unexpected surprises and enables you to easily manage your cards.

Optimize Payoff

Automatically allocate your stored funds to your connected cards in the smartest way to save you money.

How does ClearCred work?

Create a profile, and link a checking account and a credit card

With ClearCred you can create an account for free. After creating an account, you can then link your bank account and credit card securely through Plaid. We do not store your data.

Frequently Asked Questions?

Choosing ClearCred simplifies credit card management, making it as straightforward as using a debit card. With our unique 'Store-Away' feature, you can effortlessly track spending by setting aside money for each purchase, ensuring you're always prepared for your statement payments. Our user-friendly app and centralized payment hub eliminate the hassle of managing multiple accounts and keep you on top of due dates. ClearCred is your ideal partner for streamlined credit card use and achieving better financial health.

ClearCred operates by bringing simplicity and foresight to your credit card management. Once you link your credit cards and checking account to our app, ClearCred's 'Store-Away' feature kicks in, automatically earmarking a portion of funds for each transaction you make. This proactive approach ensures you're always ready for statement payments, without surprises.

Yes, ClearCred can contribute to improving your credit score, though it's not a guarantee. We automatically put your stored-funds towards your credit card statement bi-weekly, hence reducing your average balance over time. Since credit bureaus typically check your balances monthly, this strategy ensures that the balance reported is lower than your actual spending. This effectively lowers your credit utilization ratio, a key factor in credit score calculations.

ClearCred generates revenue through a modest subscription fee of $10 per month from our users.

Yes, ClearCred offers a 1-month free trial to give you a firsthand experience of how our app can transform your credit management. This trial period allows you to explore all the features and benefits of ClearCred without any commitment, ensuring you're fully satisfied with our service before subscribing.

Yes, ClearCred allows you to connect multiple credit cards and bank accounts, provided they are supported by our platform. This flexibility enables you to manage all your cards in one place and choose the specific bank account from which funds should be 'stored away' for your credit card payments.

Yes, ClearCred gives you the flexibility to pay your credit card statement at any time that suits you. Each payment incurs a nominal fee of 10 cents, which is implemented solely to cover the transaction costs associated with transferring funds to your credit card provider. This feature ensures you can manage your payments on your terms while we handle the logistics.