SmartPay Sync
Active
Payment frequency
Bi-weekly
Bank Account
***2727
Never miss a payment with SmartPay Sync
Set it once, and let our AI-powered system handle your payments. SmartPay learns your income pattern to create a seamless payment schedule, ensuring you stay on track without the stress.
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
SmartPay Sync
Active
Payment frequency
Bi-weekly
Bank Account
***2727
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
Why SmartPay Sync works for you
Payments that fit your life — not the other way around.
Never Miss
a Payment
Automatic payments sync with your schedule, so due dates don't catch you off guard.
Say goodbye
to late fees
Smart scheduling means your bill is paid before the deadline — every time.
Build healthier
credit score
On-time payments are reported to Equifax and TransUnion, helping your score grow.³
Cashback 0.5%
for paying in full
Pay your statement balance in full and earn 0.5% Cashback — automatically.⁵
Build a stronger
credit score
SmartPay Sync helps you reach good credit status faster. By analyzing your income and aligning payments with your pay schedule, it ensures you never miss a due date — boosting the most critical factor in your credit score.³
Smart Pay Sync helps you
build good
credit — faster
510
Smart payment experience with SmartPay Sync
SmartPay Sync
Automate smart payments to avoid late fees
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent management
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
PayDay Scan™
Detect paydays to align due dates
Choose payment amount
20%
50%
75%
100%
20
%
Current Payment
Avoid interest & show excellent
management
Payment day
Mo
Tu
We
Th
Fr
Sa
Su
SmartPay Sync
Automate smart payments to avoid late fees
PayDay Scan™
Detect paydays to align due dates
Smart payment experience with SmartPay Sync
Payments that work around your payday
SmartPay Sync learns when you get paid and schedules your payments automatically — so your bill is always covered when you have the funds.
How SmartPay Sync works
SmartPay Sync adapts to your income — weekly,
bi-weekly, or monthly — to ensure payments align
perfectly with your cash flow.
Smart payment options designed for your success
While most credit cards only require a minimum payment of 3%, we believe in helping you build stronger financial habits. That's why we've designed payment options that encourage responsible credit management:
20% Minimum payment
of statement balance
- Lowest payment amount
- Build credit slowly
- 0.5% on each on time payment Cashback
50% Mid-range payment
of statement balance
- Balanced option
- Build credit steadily
- Moderate interest savings
75% Smart payment
of statement balance
- Keep ~25% utilization on your card
- Build credit quickly
- Friendly with credit bureaus
100% Full Payment
of statement balance
- 0% interest charges
- Perfect for credit score
- Best option for credit bureaus
- 0.5% Cashback bonus for full payment
How SmartPay Sync compares to traditional payments
Earna SmartPay vs Traditional payment |  |  |
|---|---|---|
| Schedule setting | Income-based smart scheduling | Fixed dates only |
| Payment options | Multiple flexible options | Usually minimum payment only |
| Income pattern analysis | Advanced AI adaptation | None |
| Full balance payment reward | Extra 0.5% cashback | None |
| Schedule changes | Extra 0.5% cashback | Manual updates required |
| Overdraft protection | Smart scheduling to avoid overdrafts | Basic or none |
| Payment notifications | Smart scheduling to avoid overdrafts | Basic or none |
| Custom scheduling | Comprehensive smart alerts | Basic confirmation |
- Schedule setting Income-based smart scheduling
- Payment options Multiple flexible options
- Income pattern analysis Advanced AI adaptation
- Full balance payment reward Extra 0.5% cashback
- Schedule changes Extra 0.5% cashback
- Overdraft protection Smart scheduling to avoid overdrafts
- Payment notifications Smart scheduling to avoid overdrafts
- Custom scheduling Comprehensive smart alerts
Easy setup with SmartPay
100%
Current payment
Avoid interest & show excellent
management
Choose your payment
Set a percentage or pay in full for max rewards
Show more
Connect your bank
Securely link & verify instantly
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Best schedule
AutoPay AI suggests the best dates, or customize your own
SmartPay
Activate & Relax
Review, activate, and let Autopay handle the rest
Real stories from our members
Get access to your credit in 60 seconds
- 1
Submit online application
2 minutes to submit
- 2
Get approved
Instant decision in 60 seconds
- 3
Start spending today
Use your digital card right away
FAQ
Can’t find what you’re looking for?
Contact us here:
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