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Replace your debit card with SIREN CARD.
premium metal card, cutting edge tech,
and automatic credit optimization.2
Built for Partners. Built for you.
1. Get your paycheck up to 2 days early.3
2. guard it with exclusive features.
3. spend it with a premium metal card.
4. help optimize your financial future.2
*Applying does not impact your FICO score,
and a FICO score is not required to apply.
**Only available to USA residents 18 and older.
Requires mobile device with iOS 13/Android 9 or higher.
1. The SIREN Deposit Account and cred.ai Services have absolutely no fees, and under the “cred.ai Guaranty” you will never pay fees or interest on your SIREN Card. The SIREN Card is able to help build credit because it is a real credit card with 17.76% APR on Purchases and 24.99% APR on Cash Advances. However, the cred.ai service manages your SIREN Card payments automatically in the background according to the rules of the SIREN Card cardholder agreement, to ensure you avoid being charged fees or interest. If the automated payment management fails for any reason, and you are charged interest or fees, under the “cred.ai Guaranty” found in the “cred.ai Services Amendment to the Deposit Agreement” that you agree to when you apply for cred.ai, cred.ai will cover that fee or interest charge on your behalf. Therefore, with the cred.ai Guaranty, you will never pay fees or interest on your SIREN Deposit Account or SIREN Card, guaranteed.
2. cred.ai cannot account for all variables in your financial life or changes to reporting practices. Increases or specific changes to your credit score are not guaranteed.
3. Accessing your direct deposit funds early depends on the timing and schedule of when the payer submits the deposit. We generally will allow you to access the spending power of those deposits on the day the deposit file is received, which could be up to 2 days prior to the scheduled payment date.
4. You can locate free ATM’s using the FREE ATM finder located in your SIREN mobile app. ATM withdrawals are cash advances against the SIREN Card credit card, and while they are subject to the interest rates and terms outlined in the SIREN Credit Card Agreement, you will not pay any interest on those cash advances for as long as you have a valid cred.ai guaranty.
To learn if cred.ai solutions could work for your organization, complete the form below or reach out to firstname.lastname@example.org