Credit Card Perks Without The Risks

Use your credit card like a debit card while still earning your rewards.

Debitize is and always will be free

Register now and join our community of users who have

$1M+ purchases paid off

paid off more than 1 million dollars of credit card purchases.

Beats using a debit card.
Smarter than autopay.

Debitize works with any credit card you already have. Link yours today to access these features:

Automated Withdrawals

Save every day to pay off your purchases. With Debitize, your credit card acts like a debit card. Every day, purchases you’ve made are withdrawn from your checking account and set aside to pay off your credit card bill.

Credit Optimizer

Give your credit score a boost. Debitize will automatically make additional payments on your credit card to lower your utilization*, the 2nd largest component of your credit score.

Debt Destroyer

Pay off your credit card debt on your own terms. No fees, no loans, no applications. In addition to covering your ongoing purchases, we’ll make monthly or weekly payments to get you out of debt.

*Credit utilization is the percentage of your credit limit that you have used. For example, if your credit card balance is $200, and your credit limit is $1000, your credit utilization is 20%.

What happens after I activate my Debitize account?

Debitize automatically debits your checking account every day to cover your credit card purchases

The funds are temporarily held in your Debitize Reserve Account until your credit card bill is due

Your balance is automatically paid every week through Debitize — no more credit card bills to worry about


256-Bit Encryption

You have bank-level security as soon as you start with us. Our system is verified and monitored by Symantec.

Credentials Never Stored

Your login credentials are passed directly to your bank just once. We do this to link your account and then permanently delete this information.

No External Transfers

Funds only move between your checking account, your Debitize Reserve Account, and your credit card.

Account Safeguards

Automatic logout and ID verification help prevent unauthorized access.

Account Alerts

We constantly monitor your accounts and will contact you immediately if we see any suspicious activity.

Unlink At Any Time

When you remove an account, our access to your bank is permanently revoked.

See what our users are saying about us!

“My credit score is up 30 points in 3 months since signing up for Debitize!”

North Carolina

“It’s really cool knowing that there’s Debitize in the background taking care of funds in my account to cover my credit card charges. I really appreciate that extra peace of mind!”

New York

“I’m using the reward money you’ve helped me earn to help pay for my son’s daycare bill each month. Just FYI it really helps.”


Testimonials are from actual Debitize customers