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

"I linked my Chase Sapphire credit card and my Capital One checking account, and have been racking up the points worry-free since. Love it!" - Jenny A.

Contact with any questions.

What’s New

Version 2.1.105

Minor bug fixes!

Ratings and Reviews

4.4 out of 5
610 Ratings
610 Ratings
Kobe Ryan24 ,


Do I get charge cash advance if I used it to pay my car loan?

Adjkl6889 ,

Great idea but a huge pain in reality

Within a week of using this, two of my transactions were left uncovered for no reason. I asked support about it and they said they were looking into it. Several days later, no follow-up. Then, today I received a notice that they were scheduling a large withdrawal from my account for two new purchases I had made. I realized I had made a mistake and should have put those purchases on a different card because they were dresses I was trying and I ordered a couple sizes and colors online, with intent to return the ones that didn’t fit. In the email it said I could cancel this transaction, but when I go into Debitize, it hasn’t appeared yet for me to cancel. I can’t pause my card because I have another payment scheduled to my card from a previous withdrawal, and pausing will also stop that. So I have to set a reminder for myself to keep checking so I can go back into Debitize and cancel this withdrawal I don’t need. This app sounded like a great idea but it’s just been a headache for me. Will be cancelling and deleting as soon as my payment to my card goes through in a few days.

Brett Schulte ,

Flawed Monetization

It’s a shame they can’t monetize without charging for their “premium” service, which unfortunately costs more than the benefit for most users. Their competitor Debx, whom they acquired, had right but apparently wasn’t able to survive.

Also, doesn’t work with Capital One which is another deal breaker for me.

Developer Response ,

Hi Brett, hope you're doing well! We are now able to connect with Capital One cards and accounts; feel free to reach out at with any questions!



Debitize, Inc.
43.8 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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