Don't let your credit history go to waste
Prevent credit card inactivity closures. Automatically.
ActiveCred runs a tiny monthly charge — as little as 50¢ — to keep your unused cards active and preserve your credit history.
See PlansChoose your plan
Every plan runs a small charge on each linked card to show activity. US-issued credit cards only.
+ $0.50/mo minimum activity charge (plus applicable tax) per linked card, billed to each card individually. Amount and schedule are customizable once subscribed.
Three steps. Then autopilot.
1. Pick a plan
Choose the tier that fits how many cards you want to keep active. Upgrade or downgrade anytime.
2. Link your cards
Add any US-issued credit card you want to keep active. Card numbers are tokenized and never touch our servers.
3. Start your Pulse
ActiveCred Pulse runs a tiny recurring charge on each card — as little as $0.50 + tax. A posted transaction is the signal issuers use to keep your account open. That signal now runs on autopilot.
ActiveCred Pulse reaches 90% of your FICO
Four of the five factors in the FICO formula — payment history, utilization, credit age, and credit mix — all benefit from keeping your cards open and active.
ActiveCred Pulse touches payment history, utilization, credit age, and credit mix. Educational only — not a guarantee of score changes.
When your credit score matters most
Credit sits quietly in the background — until you sign a lease, finance a car, or close on a home. At those moments, a single closed card can cost you thousands over the life of the deal.
Renting an apartment
Most landlords pull credit before approving a lease. A closed card can lower your score enough to turn an approval into a denial, or cost you a larger security deposit up front.
Financing a car
Auto lenders price your APR off your credit tier. Dropping one tier can add 2–3 percentage points to your rate — on a typical 5-year loan, that's thousands in extra interest before you drive off the lot.
Buying a home
Mortgage rates are tied directly to your FICO score. On a 30-year loan, even a small rate difference can mean tens of thousands of dollars. Every point counts when you're signing that paperwork.
How to get the most out of ActiveCred
Old credit accounts are stat padding for your FICO score. Here's how to put them to work.
Pay your subscription with a rewards card
Your ActiveCred subscription is a recurring charge like any other. Pay it with a card that earns cashback or points and let the rewards add up.
Turn on autopay on your linked cards
Set up autopay on each linked card's account. Our activity charge shows up on your statement, autopay covers it from your checking account, and the card stays current. You pay the charge, but it's hands-free.
Keep old accounts open for pennies
That 8-year-old card with a $15K limit? It's boosting your average account age and total available credit. Keeping it active at $0.50 + tax per month is nothing compared to the credit history it represents.
Ready to lock in your credit history?
Plans start at $2.99/month. Each linked card gets a $0.50 + tax activity charge on your schedule.
See Plans