Replace your debit card with SIREN CARD. Premium metal card, cutting edge tech, and automatic credit optimization.

Setup direct deposit, access your paycheck early**, and spend on a metal card loaded with exclusive tech features like check please, repeat defender, and friend and foe. You can also use SIREN self destructing digital cards when you give your card info over the phone, for late night online shopping, or random “free” trials. Just Regenerate them when you feel unsafe.

Spend like you're using a debit card, while automatic credit optimization makes you look like a credit rockstar*.

Connect other banks and fintechs, deposit checks, get cash at 55k+ free ATM's***, with 24/7 support, and you're guaranteed you'll never pay fees or interest.


The SIREN Deposit Account is provided by Wilmington Savings Fund Society, FSB (“WSFS Bank”), Member FDIC. The SIREN Card credit card is issued by WSFS Bank pursuant to a license from Visa® U.S.A. Inc. and may be used everywhere Visa® credit cards are accepted.

* 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.

** 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.

*** 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.

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