CREDX USA is your AI-powered credit card command center. Track bills, maximize rewards, pay smarter, and get personalized financial advice — all in one beautiful dashboard.
Everything you need to master your credit cards — from bill tracking to AI-powered rewards optimization
Personalized advice powered by OpenAI. Analyzes spending patterns, optimizes rewards, and builds custom payoff strategies.
Track all credit card bills in one dashboard. Never miss a payment with automated reminders 3 days before due dates.
Automatically optimize cashback and points across all cards. Earn up to 5x more rewards with smart card selection.
Pay all credit card bills in one click via Stripe. Split payments or pay minimum, full, or custom amounts.
SMS, WhatsApp, and email reminders. Know when bills are due, rewards expire, and which card to use.
Beautiful charts showing spending by category, card, and month. Identify patterns and cut wasteful expenses.
Connect Gmail to auto-import bill statements. AI reads your credit card emails and adds bills automatically.
256-bit AES encryption, SOC 2 compliant data handling, and zero-knowledge architecture.
From credit cards to utilities — manage and pay every bill in one place. No more juggling apps.
Four simple steps to transform your credit card life
Create your account with Google, email, or phone in under 60 seconds. No credit card required.
Add all your credit cards — Chase, Amex, Capital One, Citi, and 500+ more. Import bills from Gmail.
Our AI analyzes your spending, finds unused rewards, and gives a personalized payoff plan.
Pay all bills in one click. Earn CREDX points. Watch your credit score climb.
Powered by OpenAI, our AI advisor analyzes every transaction, finds hidden savings, and gives you a step-by-step plan to get out of debt and maximize rewards.
Start free. Upgrade when you're ready.
Perfect to get started
For serious credit card users
Up to 5 family members
"CREDX USA helped me find $2,400 in unclaimed rewards across my 6 cards. The AI advisor told me exactly which card to use for each purchase."
"I was paying $180/month in credit card interest. After 3 months with CREDX, I paid everything off using their payoff strategy. Life-changing."
"The Gmail integration is magic. It automatically imports all my credit card bills and I never miss a payment. Worth every penny of the Pro plan."
Credit card tips from our financial experts
Manage your credit cards on the go. Coming soon to iOS and Android.
Smart. Secure. AI-Driven. Your Financial Co-Pilot is ready.
Join 50,000+ Americans building better financial lives with CREDX USA. Free forever for the first 1,000 users.