Cred.ai is a fintech company that introduces a new kind of consumer spending product that leverages proprietary technology to give users first-of-their-kind controls, convenience, and automatic credit score optimization. Its first-of-their-kind card features Stealth Card, Automatic Credit Score Optimizer, Flux Capacitor, Check Please, High-Security Mode, and Friend & Foe. The company was founded in 2016 and is headquartered in Philadelphia, Pennsylvania.