Debitize gives you credit card perks without credit card debt, using your existing accounts. Say goodbye to interest and late fees!

1) Link any credit card and your checking account to Debitize
2) Use your credit card for purchases as you normally would, and Debitize will automatically set aside funds from your checking account to cover them - just like a debit card
3) When your credit card bill comes due, Debitize uses those funds to pay it for you, automatically and on time!

Need we say more?

Protecting your information is our top priority. We use top-of-the-line 256-bit encryption, and we never store your passwords. Visit to learn more about how we keep you, your information, and your money safe.

Stop worrying about your outstanding credit card balance. With Debitize, you can reap the rewards with the same peace of mind you get from using a debit card. Stay on top of your spending and on budget.

Credit cards are the best way to build credit, and Debitize lets you do that safely and effectively. Sign up for our Credit Optimizer feature to help you automatically lower your utilization (30% of your FICO score) as well!

Credit cards can be very rewarding, as long as you don't overspend. Debitize lets you take advantage of credit card rewards without the risk.


"I am still loving Debitize! It is teaching me to be responsible with my credit cards and having a $0 balance statement is refreshing" - Lauren W.

"BTW, my wife and I love debitize and have been racking up the CC points because of your service! Thanks so much!" - Josh G.

"As someone who is 31 and HATES debt but wants to get the most out of my spending this is the perfect answer." - Kaushik H.

"I love debitize! I get the benefits of a debit card AND the benefits of points from my CC - WIN WIN!" - Elizabeth L.

"With Debitize, I am paying down my card and staying current with much less effort." - Silas G.

"Debitize has been great in helping me build my credit score without having to worry about large credit bills. I've recommended it to all my friends and they're all happy as well!" - Benjamin S

Contact with any questions.

What's New

Version 2.0.16

New and improved design. Plus, now you can transfer funds back to your checking account from the iOS app without having to visit the web app.
+Intercom Support
+New, easier to understand card settings page
+Bug fixes
+Crash fixes

Ratings and Reviews

4.4 out of 5

353 Ratings

353 Ratings

Great app/idea, wish it had more features

C a tie

I have never been disciplined with money and every time I would use a credit card for rewards I would end up paying interest for not being able to pay off full balance- this solves it. In the first 3 weeks I’ve received $65 in rewards with no extra debt!! I do wish that it had a few extra features. First I wish it had a list view of the charges and if/when it had been Debitized. That way I could compare side by side instead of having to check each notifications and compare to cc statement. Second I wish that it had an option to “redebitize” if a withdrawal had been canceled due to low funds. I have my low limit set high for security and sometimes on Monday morning after weekend purchases process it triggers my low balance. There is no way to override or reprocess so I end up trying to make sure I make another payment to card which was my problem to begin with!!

Great concept


I haven’t yet gotten to the point where my bills are paid but so far they have taken my money and kept me from earning interest on it until my bills are due.

So why would anybody want to use a program that deprives them of their money earlier than necessary? Because people are bad with managing their expenses. They see a pile of cash, and even if they see a corresponding pile of debt, they nevertheless put the debt out of their minds and tend to spend the cash or increase the debt beyond the cash pile.

This app helps curb you from yourself. In a mathematical and ideal world nobody would need it. And some people won’t benefit at all from this.

Personally, I invest every spare dollar I have. I am hoping this App helps me not to invest what needs to be reserved for paying the credit card bills. Others may be hoping to keep themselves from spending what needs to be reserved. Regardless, this seems a reasonable approach and giving up a couple percentage points in interest on a few thousand bucks seems an ok trade off to me.

Great concept, needs work


Debitize does what it promises: removes money from your checking account periodically as you spend on our credit card and pays them as you go. Unfortunately, the app interface isn’t great (mine still says I’m waiting on the micro deposits to verify my bank account even though this deposits already happened and it’s been working fine), and it is pretty hard to cancel the debitize transaction if for some reason you don’t want money to come out of your checking account.


Debitize, Inc.
38 MB
Requires iOS 8.0 or later. Compatible with iPhone, iPad, and iPod touch.
Age Rating
Rated 4+
© 2018 Debitize Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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