Why do I need Debitize?
Curb
overspending
Stay on top of your purchases by paying for your purchases every day, like a debit card.
Increase your
credit score
Make sure your bill is always paid on time. Our Credit Optimizer feature can boost your score even more.
Earn rewards
without debt
Start taking advantage of credit card rewards like cash back or free travel without the worry of debt.
Overcome the fear
of credit cards
Use your credit card like a debit card to avoid debt and get peace of mind when paying with plastic.
How does it work?
Link your credit card and checking account
Register for a free account and link your existing credit card and checking account to get started.
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$29.82 Amazon Chase Credit Card
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$55.00 Whole Foods Chase Credit Card
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$49.74 Jet.com Chase Credit Card
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$23.84 Five Stuy Cafe Chase Credit Card
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$136.87 Buddakan Chase Credit Card
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$86.78 Busboys & Poets Chase Credit Card
Make purchases on your credit card as you normally would
Now that your card is Debitized, just use it to make purchases as you normally would. You don’t need to do anything differently.
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$29.82 Amazon Chase Credit Card
-
$55.00 Whole Foods Chase Credit Card
-
$49.74 Jet.com Chase Credit Card
-
$23.84 Five Stuy Cafe Chase Credit Card
-
$136.87 Buddakan Chase Credit Card
-
$86.78 Busboys & Poets Chase Credit Card
Never worry about paying your credit card bill again!
When your credit card bill comes due, we will have already paid it for you, automatically. Never worry about late fees again.
What people are saying
“This is the perfect tool for everyone, but especially anyone with a history or fear of abusing their credit cards!”Jenny
“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!”Evelina
“My wife and I love Debitize and have been racking up the CC points because of your service! Thanks so much!”Josh
“We recommend Debitize to most of our clients at Stash. It's a great solution to keep you accountable to spending limits, strengthen your credit score, and maximize credit card rewards.”Priya Malani, Founder of Stash Wealth
“My credit score is up 30 points in 3 months since signing up for Debitize!”Aaron
Frequently Asked Questions
How much does Debitize cost?
Debitize is committed to offering our users a great experience so our service is free!
To keep the lights on however, we do offer a (totally optional) premium feature which pays your credit card bills more frequently with Credit Optimizer.
We also earn interest on some of the funds sitting in your Debitize account, and we may occasionally make recommendations for credit cards and other financial products.
What if I have an existing balance?
Debitize only covers new purchases automatically, but we give you options to pay off existing balances as well. Once you've linked a credit card, we take the initial balance and move it to your Uncovered Purchases balance. You can then decide whether you would like to pay all or a portion of your balance down immediately, pay it down over time with extra recurring withdrawals, or do nothing and leave Debitize to cover new purchases only.
How often do you pay my bill?
Your credit card bills are typically paid once a month about a week before your due date. We offer users a premium service (Credit Optimizer), which pays your credit card bill every week instead and can help you boost your credit score, in many cases by 30 points or more.
Credit Optimizer costs $4.99 a month.